Claimstrainer Blog

Policy Fraud Checklist

Loss within first year of cover Loss shortly before renewal/expiry of cover Loss shortly after increase in cover Notification of claim after policy lapse/cancellation Existence of multiple policies covering same loss Premium payment abnormalities Pre-loss enquiry re cover/claims circumstances Non-disclosure/misrepresentation Frequent changes of insurer Gaps in previous insurance history Evidence of significant over insurance/under insurance Policy arranged via agent far away from insured's home Poor claims history Claimant appears to be different from policyholder Questionable use of property/occupation at time of loss Evidence of pre-loss business/personal and/or financial problems