---
title: "Automotive Insurers"
date: 2026-07-22
url: https://marketcheck.uk/automotive-sectors/automotive-insurers
type: page
description: "Settle claims or price policies on the wrong value and you lose. Get live, VRM-specific vehicle valuations and full history for accurate UK insurance pricing."
---

# Automotive Insurers

# Data for car insurers

Settle a claim or price a policy on the wrong vehicle value and you either overpay or under-price the risk. Get live, VRM-specific valuations and full listing history for accurate claims and pricing.

[Request a free trial](https://marketcheck.uk/request-data-trial) [Speak to an expert](https://marketcheck.uk/contact#book-a-call)

## The cost of an inaccurate value

Every valuation feeds a policy price or a claim settlement. Get it wrong and it lands on your loss ratio or your exposure to fraud.

### Overpaid claims

Settling against a value that is too high hands money away on every claim.

### Under-priced risk

Policies priced on stale values leave you exposed when the market moves.

### Fraud slips through

Without a vehicle's real history, staged and inflated claims are hard to catch.

## Why static book values fall short

A monthly guide and a generic trim cannot value a specific car in a live market.

### A price book

- ✕ Updated monthly, not to the live market
- ✕ A generic trim, not the actual vehicle
- ✕ No listing or price history by VRM
- ✕ Manual, slow fraud checks

### MarketCheck data

- ✓ Live retail valuations against cars for sale
- ✓ VRM-level, specific to the vehicle
- ✓ Two years of listing and price history
- ✓ VRM history to validate every claim

## Accurate valuations, verified history

MarketCheck is integral to UK car insurers, providing valuations and market insight for precise risk assessment, policy pricing and efficient claims management.

Ascertain a vehicle's current value against the retail price of similar cars for sale, and keep valuations aligned with the latest market as it moves.

## Four ways the data pays off

### Fraud mitigation

Use VRM checks to validate a car's history, crucial for preventing insurance fraud.

### Risk profiling

Analyse a vehicle's past to assess its risk profile and inform policy terms and pricing.

### Claims verification

Corroborate claims with historical data, streamlining validation and improving accuracy.

### Pricing precision

Price products accurately by understanding the full background of each vehicle.

## What our clients say


Working with MarketCheck has been a pleasure. The speed of delivery, quality of work and data accuracy has been first class. The data via the API has transformed areas of our business, giving deep insight and new functionality for our website and mobile app.

David James

CEO, Total Car Check

## Related products and sectors

- [Car Valuation Tools](https://marketcheck.uk/products/car-valuation-tools): Two market-backed prices for any UK car, by VRM or make and model.
- [MarketCheck Price™](https://marketcheck.uk/products/marketcheck-price): VRM-level valuations updated daily across 98% of the market.
- [Car Data API](https://marketcheck.uk/products/used-car-market-data-api): Live UK listing data, pricing and history via one REST API.
- [Pricing](https://marketcheck.uk/pricing): Self-serve API plans and custom-quoted data feeds.


## Test our data.

Try the API for free or receive a test of the feed data.

[Request your free trial](https://marketcheck.uk/request-data-trial)