The historical file is a personal database.
What is the Insured Vehicle Information File?
It is a database where the Insurance Compensation Consortium collects the insurers' data, which cover the Civil Responsibility of each of the vehicles that circulate and contrasts them with the traffic information, to control the circulation of uninsured cars .
It is a control to verify and control the owners of vehicles in the fulfillment of the contracting of compulsory insurance.
Insurers provide the registration, vehicle make and model, insurance company, date of start of the service and term of validity and lastly the type of contract chosen. On the other hand, the General Directorate of Traffic provides the Consortium with the brand, model and technical data of the vehicle with the name, DNI or corporate name or NIF of the holder with his address.
In case of an accident, the Consortium provides data to those involved in accidents, to the Public Prosecutor's Office and to the judges or courts that request it. It is very simple your application should only complete a form, which can be submitted personally in the consortium or sent by FAX.
In order to determine the rates, the accident insurance is taken into account, by means of a file that collects all the driver's history. This file can be consulted by all insurance companies.
The historical file is a personal database, where insurers can charge, collect statistics and accident studies.
It can be consulted whenever it is attached and interconnected in network and thus adjust the premium that is applied to each insured based on a driver's story.
