What we are doing to help prevent fraud

To make our fraud prevention measure as effective as possible we get data from a wide range of industry-wide sources. We also undertake checks against public information such as the electoral register, County Court Judgments, bankruptcy or repossession information. In addition to this we carry out searches against data held by Credit Reference Agencies.

In order to prevent and detect fraud we and/or the insurer or the re-insurer may:

• Undertake credit searches;
• Check and/or share your details with fraud prevention and detection agencies; and
• Share information about you with other organisations including the police, where necessary and proportionate.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We, the insurer or other organisations may also access and use this information to prevent fraud and money laundering, for example when: recovering debt and tracing beneficiaries; checking details on applications for new products and dealing with claims for all types of insurance.

Once we have this, we use state-of-the-art technology to cross-reference it with our internal databases and other external data sources, and by liaising with insurers to check information that might look suspicious.

Why do we go to all this trouble?

Fraud is something that might have a negative effect on our customers, so we’re committed to fighting against it. We are always working hard to improve our security measures, protect our customers and their personal data. It’s as simple as that.

Application checks

Should you deliberately withhold accurate information about yourself and your circumstances you could invalidate your insurance. It is essential that you honestly disclose all relevant information. Remember We/ The Insurers/ Re-Insurers do make checks on the information disclosed and can identify fraudulent behaviour.