Services
Fraud Investigations
Face to Face Interviews
Recorded Telephone Interviews
Specific Indemnity Investigations
Motor Accident Investigations
Fire & Theft Investigations
Property Investigations
Liability Investigations
Person Profiling
Desktop Investigations
Surveillance
Insurance Fraud
Insurance fraud is a widespread issue, and estimating the total amount of fraud can be quite challenging. According to the Association of British Insurers (ABI), over £1billion worth of fraudulent claims were made in 2022.
Fraud takes various forms in insurance claims, ranging from opportunistic cases to those orchestrated by serious organized criminals within our society. Distinguishing between honest, genuine claims and fraudulent ones can be tricky. That’s why NI Claims Investigations is committed to conducting thorough, high-quality investigations. Our goal is to provide you with detailed information to help you make informed decisions.
If you suspect someone of insurance fraud, you can report it to the Insurance Fraud Bureau (IFB) Cheatline by calling 0800 422 0421 or filling out a form on the IFB’s website.
Feel free to reach out if you need further assistance!
Road Traffic Incidents
NI Claims Investigations offers a comprehensive claims investigation and validation service for both first-party and third-party claims. Their expertise includes comprehensive indemnity investigations, liability investigations, locus reports, and witness inquiries. They specialise in detecting various types of insurance fraud, such as
- Minor low-speed contact issues,
- Phantom passengers,
- Complex staged incidents,
- False invoicing,
- Third-party hire and storage charges.
We gather detailed written and recorded statements, conduct interviews, and prepare factual reports with associated photographs and DPA mandates. These reports empower you to make informed decisions regarding policy and legal liabilities. For an illustrative example of our work, check out the Belfast High Court Judgment case of Marciniec v. Gruszczynski and Others. (https://judiciaryni.uk/judicial-decisions/2013-niqb-147)
Where appropriate NI Claims Investigations will assist their clients in any referral to the Police for investigation, we have been involved in numerous successfulinstances of prosecution of fraud over the years, attending civil and criminal courts in relation to our findings; some of which have made local media headlines.
If you need assistance with claims investigations, we are a reliable resource to consider!
Motor Fire & Theft
Our comprehensive claims investigation and validation service focuses on first-party claims. We combine thorough indemnity investigations, liability investigations, locus reports and, where necessary, seek CCTV Footage,undertakewitness enquiriesand obtain relevant forensic reports.
In this sector of the insurance market, common types of fraud include:
- Undisclosed vehicle modifications
- Undisclosed claims history
- Undisclosed driving record
- Unexplained thefts or immobilizer issues
- Suspicious incident circumstances
Our goal is to validate these first-party claims by gathering robust statements and conducting associated witness and locus inquiries. The resulting reports will help you make informed decisions about policy indemnity and the incident circumstances.
Liability Claims
Our comprehensive claims investigation and validation service covers Employers Liability and Public Liability claims. We utilise a combination of thorough investigations, locus reports/assessments, and, where appropriate, witness inquiries/statements and seeking CCTV footage.
While fraud occurs across all insurance sectors, the most common types of fraud in this particular sector include:
- Reported tripping incidents
- Reported slipping incidents
- Exaggeration of genuine injuries
- False or exaggerated losses
Our approach involves detailed investigations, including site reports/enquiries, witness interviews, analysis of CCTV footage, and examination of associated supporting records/documentation. The resulting reports will guide your informed decision-making regarding indemnity and liability.
Property Claims
NI Claims Investigations specialises in property claims investigations for our clients. We provide comprehensive reports that include statements, witness inquiries, photographs/videos to support the claimed damage.
In this sector of the insurance market, common types of fraud include:
- False documentation/invoicing
- False or exaggerated losses
- Suspect escape of water claims
- Suspect arson/fire damage claims
- Lack of maintenance issues
Our detailed investigations involve site reports/enquiries, witness interviews, analysis of CCTV footage, and examination of associated supporting records/documentation. These thorough enquiries and reports empower you to make informed decisions regarding policy liability and the claim circumstances.
Person Profiling & Identification
This discreet open-source deep web-based investigation of an individual provides valuable insights into their lifestyle and associates. This information is particularly helpful for identifying known associates and ensuring that surveillance agents have a clear understanding of the person’s identity and lifestyle before initiating any surveillance operations. This service is gaining popularity and can be applied across various domains, including:
- Insurance claims: Validating claims by cross-referencing lifestyle information in contrast to that disclosed in medical examinations.
- Employer vetting: Assessing an individual’s background and associations.
- Surveillance reports: Enhancing surveillance accuracy by understanding the person’s context.
When combined with other data sources such as medical reports and statements about mobility and movements during specific periods, this type of investigation becomes even more useful and can help in savings refuting spurious injury claims and/or limiting damages.
