General director of the Dutch Association of Insurers Richard Weurding: "Fewer fraud cases are detected, but for higher amounts. We see that insurance fraudsters are professionalising, for example if you look at cyber gangs. It is important that fraud is tackled. So that people who are in good faith do not pay too much."
If a fraud has been investigated and proven, several measures are possible; Think of rejection of the claim, termination of the policy, recovery of the investigation costs and reporting to the police. Insurers can also include the fraudster's details in the joint warning system. This contributes to vigilance in the sector and prevents a fraud or an attempt to do so from being repeated at another insurer.
Cyber Security and AI
In 2023, the CBV shared 225 opinions on relevant cyber incidents and threats with the sector. Weurding: "Fraud by cybercriminals and the use of artificial intelligence (AI) to commit fraud remain a point of attention. We see this reflected throughout the financial sector. Fraud tactics are becoming increasingly complex and insurers are also affected. That is why it is good that we share knowledge that is available, then we are prepared. This requires continuous attention and sharpening."
Private Detection of Insurance Fraud
At the end of 2017, the Public Prosecution Service (OM), the police and the Association started an investigation to improve investigation and prosecution. Thanks to case law that has emerged from this investigation, the conditions have now been established under which private investigations can serve as the basis of a criminal investigation. Under strict conditions, it will now be possible for insurers' incident investigations to make optimal use of this. The Public Prosecution Service, the police and the Association will discuss how this method can be used nationally. A good balance has been found in this public/private partnership. The security chain can be relieved in exceptional cases, this is always done with the intervention of a Public Prosecutor.
Figures from the CBV also show the following:
- 225 recommendations on relevant cyber incidents and threats were shared with the sector.
- 654 incident reports with file information about investigations into possible fraud by insurers were received at the fraud desk.
- 213 requests for information from the police and the judiciary have been dealt with.
- 87 anonymous tips about possible insurance fraud have been received from concerned citizens.
- 5 sector-wide warnings about striking or new forms of fraud have been issued.
Spokesman
If you have any questions about this message, please contact Elias van Hees.
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