insurer wants to know if I have previously claimed damages

Claim history: insurers usually ask for three to five years

For this type of question, it is usually a claims history over the last three to five years: number of claims reported, cause, and whether a claim was paid out or rejected. The insurer uses this to assess the risk, not to check whether the company is compliant — this distinction is therefore different from the question about creditworthiness that insurers also often ask, where it concerns financial resilience and not claims history.

A claims file is usually not included in the chain file that Supplia uses, because it is not data that has been recorded by the company itself such as Commercial Register or UBO data, but with the insurers where the policies were held. If the answer to such a question does not come from the file, Supplia does not show a "yes" or filled-in figure — the client fills this in manually with a claims overview from the current or previous insurer. This overview can usually be requested from the broker or directly from the insurer who held the policy. If this document is still missing, the field remains open until the client provides it themselves; Supplia does not confirm or assess whether the answer is "sufficient" for the insurer asking for it.

Why this is separate from the chain file

Supplia's chain file is built from source data that is held by bodies such as the Trade Register — think of name, location and directors according to the Trade Register Act 2007 — or that the client has provided themselves, such as answers about the politically exposed person status of directors or stakeholders. A claims history is not source data of that kind: it is an insurer's own administration of a current or past policy, and Supplia has no access to and no source for that. This is why this type of question is always recognised as an open item rather than automatically answered.