INSURANCE FRAUD INVESTIGATORS
Investigating both domestic and commercial insurance fraud enquiries
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What is insurance fraud?
Insurance fraud is an offence that involves falsely claiming to an insurance company for financial benefit; this includes withholding information from your insurer. It’s not just consumers that commit insurance fraud; insurance companies, agents, and adjusters can also manipulate insurance claims.
Why is insurance fraud so common?
There are a number of reasons why insurance fraud is rife – they include:
Economic hardship
With a cost of living crisis hard to escape, this has a knock on effect on the risks consumers are willing to take when it comes to their insurance claims.
Online processes
So much of our life admin is online these days, including our interactions with insurance companies. Digital claims processing means less in-person interaction, which can make it easier for people to falsify information.
Rising premiums
Higher premiums can ‘inspire’ fraud, as policyholders may feel that they ‘deserve’ some of the money back, as they’ve paid so much already.
Advances in technology
While technology has made for better detection, it has also created opportunities for fraudsters to exploit new methods, like identity theft, and manipulating digital documentation.
Rely on us as specialist insurance fraud investigators
Insurance is a broad industry; here are just some of the areas in which we offer fraud investigation:
Vehicle
With millions of drivers on Britain’s roads, it’s no surprise that some of the less honest amongst them are capable of committing vehicle insurance fraud. If you’re a car insurance supplier who suspects that your customers may be claiming fraudulently, we’re the car insurance fraud investigators to trust.
Medical
Deceiving a medical insurer can include altering paperwork such as invoices and treatment descriptions, claiming for treatment or medication that weren’t received, or giving false information when applying for insurance. With a lot of ways in which fraud can be committed, we make sure all bases are covered for our clients as medical insurance fraud investigators.
Personal injury
Compensation following an injury can be life changing; when that injury doesn’t exist or is exaggerated, claiming becomes an offence. Whether you suspect the claimant is faking or exaggerating an injury from an accident they’ve been involved in, or that the accident itself was premeditated, we pride ourselves on being efficient and discreet personal injury insurance fraud investigators.
Disability
Investigating an individual suspected of receiving disability payments that they are not entitled to is a sensitive matter, and one left best to the experts. With a track record as successful insurance fraud investigators, you can rely on UKPI to handle things thoroughly, providing you with all the details you need.
How we investigate insurance fraud
If there’s anything we’ve learned in our years of experience, it’s that every claim is slightly different, and fraudster’s evasion techniques are only becoming more advanced. However, UKPI stays one step ahead, using the comprehensive information we glean from you alongside our wealth of detection techniques to put together thorough reports.
Comprehensive Insurance Claim Investigation Services
As well as obtaining verbal and written accounts, we also obtain evidence by covert means. This evidence is obtained in a detailed and unambiguous format using the latest covert equipment supported with accurate and concise reports.
UK Private Investigators are fully conversant in the seizure and handling of evidence, remaining alert to the fact that the matter maybe subject to the test of law.
Why hire UKPI for comprehensive insurance claim investigation services?
Established in 1997 and operating across the UK, UKPI is relied upon by both businesses and individuals in sensitive matters that range from divorce investigations to these insurance fraud cases; our experience spans many sectors. It’s our pleasure to be the safe pair of hands tasked with uncovering the truth for customers and corporations alike.
FREQUENTLY ASKED QUESTIONS
In our experience, we find that insurance companies, legal teams, and sometimes employers request our fraud investigation services the most.
At UKPI, we generally use a combination of surveillance, background checks, interviews, document verification, and sometimes social media to gather the evidence you need.
Investigating fraud, and having your suspicions confirmed, can reduce payouts on fraudulent claims, protecting your bottom line and discouraging future fraudulent attempts.
Look out for inconsistencies in the claimant’s story, a suspicious claim history, lack of evidence for the claim, or exaggerated injuries or losses.
This varies from case to case. Generally investigations are completed within a few days to several weeks, but we’ll confirm this with you after our initial consultation.
No, we conduct our investigations discreetly, and legally ensure that our activities do not alert the subject or interfere with their privacy.
Yes, the findings uncovered by UKPI operatives can be used in court. We can provide detailed documentation, photographic evidence, and investigator testimony to support legal proceedings if necessary.
We tend to need basic details about the claim, any suspicions or inconsistencies that you’ve noted, and any relevant documentation to begin our inquiry. When we first discuss your case, we’ll let you know exactly what we need to get the ball rolling.
Never offer to give a personal statement, avoid speaking to the adjuster unless necessary, and consider having a friend or, better yet, your lawyer or public adjuster assist when speaking with the adjuster.