Insurance fraud - advice and experience request

YorksClare

I think that I may have been the victim of an attempt at insurance fraud. Someone has put in a false claim against my insurance, and the insurer is taking ages to sort it out. They aren't even communicating with me properly. They agreed over the phone that there was no accident, but while it is being sorted out it goes on my insurance renewal as an at-fault multi-vehicle accident.

However, I believe that the false claim is actually an attempt at insurance fraud. I know that there is a website where I could report it, but I am debating whether it will be any help.

Has anyone out there reported insurance fraud? Did you leave it to your insurer as the best approach? Did it actually do any good (i.e. take the incident off your insurance record)? Or despite getting an acknowledgement that it was fraud, is it still affecting your insurance renewal?

Any information would be gratefully received!

FutureGirl

Why do you think it is fraud? Was there an accident? If not, your insurer may inspect your vehicle, or ask you for photos of your vehicle. If your insurer has already disputed the claim with the party making it, then it will take some time.

You will lose your no claims and will be fault until the matter is resolved. You should then get a refund should the claim not go ahead, or turn out to be fraudulent.

It could be a case of mistaken identity, some number plates are so similar.

huckster

You could send your Insurers a Data Protection Subject Access Request asking for a complete copy of the claims file and system notes. If you have had no accident and the accident details are false, then write to the Head of claims about this, advising that if necessary you will involve the Police, if you believe it is fraud and not just a mistake.

rudekid48

In your other post in another thread you say that there was an incident, but that you dispute that you were the cause of it. This is very different to fraud - that would be if the incident never actually happened...

teddysmum

In our family we have had a few cases, none of which affected the 'accused '.


1) Having their name and vehicle details given. Unfortunately for the claimant, the vehicle was no longer owned and the person accused could prove that they were elsewhere (working).


2) Being accused of damaging an expensive car, while reversing. The premises near the vehicle were visited but the reverse was observed on all sides by a customer's staff, who happened to know that the expensive car was on hire and had been damaged a few days before, by the person hiring it.


3) Being accused of being in an accident with the correct vehicle details given, but this was a case of the insurer's staff mis-typing one digit from the number plate of the actual vehicle involved.


Now outcome was heard of the first two case, but the last received an explanation and apology.

nofixedabode

Perhaps tell the insurer you will report it to the police as fraud? Then they might speed it up for you.