Insurance fraud and the consequences

The consequences of fraud are more serious than people expect, and it is not only about large amounts.

Deze pagina in het Nederlands: Verzekeringsfraude en de gevolgen.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

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We arrange the switch, including cancellation

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

What counts as fraud

Declaring a loss as higher than it was. Including old damage in a new claim. Altering a purchase receipt. Deliberately withholding something when taking out cover.

Also small untruths count. Fifty euros extra on a claim is the same category as five thousand.

How it is detected

Insurers compare notifications with one another, look at patterns and check details against other sources. If there is any doubt, an investigation by a loss adjuster follows.

Photographs contain date and location data; invoices can be verified with the supplier.

The consequences

No payment and recovery of what has already been paid, plus the costs of the investigation.

Registration in the External Referral Register for up to eight years. All insurers consult that register; during that period you will hardly be able to get a policy anywhere.

Cancellation of all your current policies with that insurer, and in serious cases a report to the police.

If in doubt

If you are unsure about something to do with a loss or about what you have to report, ask. You can always ask a question; adjusting a claim afterwards is a problem.

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Frequently asked questions

This is what people ask us most.

What counts as fraud?

Declaring a loss as higher than it was, including old damage or deliberately withholding something.

Does a small amount count too?

Yes; the size does not determine the seriousness, the intent does.

What are the consequences?

No payment, recovery of what was paid, registration for up to eight years and cancellation of your policies.

What is the EVR?

The External Referral Register that all insurers consult when assessing applications.

How long does an entry stay there?

Up to eight years, depending on the seriousness.

What do I do if I am in doubt?

Ask; you can always ask a question, correcting things afterwards is harder.

What is covered and what is not

What counts as fraud

Situation	Counts as fraud	Payout
You declare the stolen bicycle as bought last year, when it is four years old	Yes	No
You overestimate the value of your coat and correct it as soon as the loss adjuster asks about it	No	Yes
You report a collision as parking damage because you drove into a bollard yourself	Yes	No
You do not mention an old claim that was not asked about on the application form either	No	Yes
Your partner adds old damage to the claim without your knowledge	Yes	Provided that
You submit the same claim to two insurers to see who pays first	Yes	No

It is not the size of the amount that determines the outcome, but whether you deliberately gave an incorrect picture.

Insurance fraud and the consequences

What counts as fraud

How it is detected

The consequences

If in doubt

Read more

Within Verzekeringen

Service

Frequently asked questions

What is covered and what is not

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