Why report insurance fraud?

Many people find it difficult to report suspected insurance fraud. They do not know where to report it and do not want to accuse someone unfairly. Yet it can be wise to report a suspicion. After all, you yourself are also the victim of insurance fraud. Because the more fraud is committed, the higher the insurance premiums are. We explain which types of insurance fraud you can report and where you can do so.

Types of insurance fraud to be reported

Insurance fraud comes in all shapes and sizes. To make clear in which situations you can report fraud, we will briefly explain all types of insurance fraud. Actually, all types of insurance fraud can be divided into two categories: insurance fraud that takes place before the conclusion of an insurance contract and insurance fraud that takes place after the conclusion of an insurance contract:

Lying or concealing information when applying for insurance

An insurer always asks a number of acceptance questions when applying for insurance. Based on these acceptance questions, among other things, they decide whether to accept your insurance application. Acceptance questions are for example:

• Have you ever been disqualified from driving?
• Has your insurance ever been cancelled or refused by another insurer?
• Have you come into contact with the police or justice system as a suspect in the past eight years?

You should answer these questions truthfully. By lying on the insurance application, someone is trying to increase his or her chances of acceptance and avoid having to take out insurance for a higher premium. If you do not answer the questions truthfully, you are committing insurance fraud.

Intentionally causing damage

It often happens that someone deliberately causes damage in order to receive compensation. For example, by staging a collision or driving into something intentionally. Do you suspect that someone has intentionally caused damage? Then you can always report this. An insurer will then investigate insurance fraud.