{"id":23079,"date":"2024-09-17T11:00:52","date_gmt":"2024-09-17T08:00:52","guid":{"rendered":"https:\/\/insly.com\/?p=23079"},"modified":"2026-08-27T15:48:13","modified_gmt":"2026-08-27T12:48:13","slug":"how-to-identify-and-prevent-insurance-application-fraud","status":"publish","type":"post","link":"https:\/\/insly.com\/en\/blog\/how-to-identify-and-prevent-insurance-application-fraud\/","title":{"rendered":"How to identify and prevent insurance application fraud"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div><p><span data-contrast=\"auto\">Application fraud costs the insurance industry millions every year and the shape of the problem is shifting. <\/span><a href=\"https:\/\/www.cifas.org.uk\/newsroom\/fraudscape2026\"><span data-contrast=\"none\">Cifas&#8217;s latest Fraudscape report<\/span><\/a><span data-contrast=\"auto\"> found that while false application fraud cases fell 24% nationally in 2025 (following an unusually high 2024), insurance identity fraud specifically rose 26%, over 16,000 cases. Fraudsters are moving away from simple non-disclosure toward identity and document fraud, exactly the kind of fraud that&#8217;s hardest to catch manually.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Unlike fraudulent claims, application fraud happens at the start of the insurance lifecycle, applicants misrepresenting or failing to disclose details material to their quote and policy, to save money or secure cover they wouldn&#8217;t otherwise get.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Some lines suffer more than others. Life insurance can be lucrative for fraudsters given the complexity of applications and the size of payouts and the cost of motor insurance means car insurers have to stay especially vigilant, the <\/span><a href=\"https:\/\/www.insurancefraudbureau.org\/media-centre\/ifb-news\/2024\/drivers-warned-popular-car-insurance-hack-is-fraud\"><span data-contrast=\"none\">Insurance Fraud Bureau<\/span><\/a><span data-contrast=\"auto\"> found over a third of drivers aged 18 to 24 think it&#8217;s acceptable to lie on an insurance application to save money.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The cost-of-living squeeze and rising premiums have both been blamed for growth in application fraud and the shift to fast, online applications has made it easier for applicants to input fraudulent details. Fraudsters&#8217; techniques keep diversifying too, making it harder for insurers and MGAs to keep pace.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The main types of application fraud are:<\/span><\/p>\n<ul style=\"font-weight: 400;\">\n<li><strong>Misrepresentation or non-disclosure: <\/strong><span class=\"TextRun SCXW203735161 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW203735161 BCX4\">An applicant enters inaccurate information or withholds material details to secure cover they <\/span><span class=\"NormalTextRun SCXW203735161 BCX4\">wouldn&#8217;t<\/span><span class=\"NormalTextRun SCXW203735161 BCX4\"> otherwise get, or to cut their premium. &#8220;Fronting&#8221; on motor insurance, listing the main driver as a named <\/span><span class=\"NormalTextRun SCXW203735161 BCX4\">additional<\/span><span class=\"NormalTextRun SCXW203735161 BCX4\"> driver, is a classic example. In health insurance, it might mean not <\/span><span class=\"NormalTextRun SCXW203735161 BCX4\">disclosing<\/span><span class=\"NormalTextRun SCXW203735161 BCX4\"> a pre-existing condition.<\/span><\/span><\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><b>Falsified documents: <\/b><span class=\"TextRun SCXW267122332 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW267122332 BCX4\">Fake documents are a growing problem, particularly no-claims authentication on motor insurance, where AI tools have made it easier to produce convincing fakes. Cifas recorded fake no-claims documents in 9% of false application cases in 2023, more than double the 4% recorded in 2022 and the identity-fraud rise noted above suggests that trend has kept building since.<\/span><\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Ghost broking: <\/b><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW143742605 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW143742605 BCX4\">Applicants are conned by fake brokers who complete fraudulent, inaccurate applications on their behalf. The applicant ends up paying for cover that <\/span><span class=\"NormalTextRun SCXW143742605 BCX4\">doesn&#8217;t<\/span><span class=\"NormalTextRun SCXW143742605 BCX4\"> meet their needs, the insurer <\/span><span class=\"NormalTextRun SCXW143742605 BCX4\">misses out on<\/span><span class=\"NormalTextRun SCXW143742605 BCX4\"> the premium it should have <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed GrammarErrorHighlight SCXW143742605 BCX4\">charged<\/span><span class=\"NormalTextRun SCXW143742605 BCX4\"> and it can cause serious problems if the applicant later tries to claim.<\/span><\/span><span class=\"EOP Selected SCXW143742605 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"NormalTextRun SCXW103216232 BCX4\" data-ccp-parastyle=\"heading 2\">How insurers and MGAs can <\/span><span class=\"NormalTextRun SCXW103216232 BCX4\" data-ccp-parastyle=\"heading 2\">identify<\/span><span class=\"NormalTextRun SCXW103216232 BCX4\" data-ccp-parastyle=\"heading 2\"> and prevent application fraud<\/span><\/h3>\n<p style=\"text-align: justify;\"><b>Advanced analytics and machine learning<\/b><\/p>\n<p style=\"text-align: justify;\"><span class=\"TextRun SCXW107198225 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW107198225 BCX4\">Data analytics and machine learning can spot application patterns and anomalies based on historical data, an unusual spike in applications from one region sharing similar high-risk characteristics is a red flag worth investigating. Given the right data, machine learning can also link fraudulent claims back to the original application.<\/span><\/span><span class=\"EOP Selected SCXW107198225 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Identity verification processes<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW41599970 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW41599970 BCX4\">Fraud is much harder to commit where strong identity checks are in place: document scanning, facial recognition, SMS-based codes, biometric <\/span><span class=\"NormalTextRun SCXW41599970 BCX4\">checks<\/span><span class=\"NormalTextRun SCXW41599970 BCX4\"> and device fingerprinting, which spots multiple fraudulent applications coming from the same phone or computer.<\/span><\/span><span class=\"EOP Selected SCXW41599970 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><b>Cross-reference data<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW14125025 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW14125025 BCX4\">Public records and shared insurance data help verify what an applicant tells you. Credit bureaus and licensing agencies can confirm addresses, credit <\/span><span class=\"NormalTextRun SCXW14125025 BCX4\">history<\/span><span class=\"NormalTextRun SCXW14125025 BCX4\"> and employment, making inconsistencies easier to spot and email intelligence tools can score an address&#8217;s fraud risk based on its history.<\/span><\/span><span class=\"EOP Selected SCXW14125025 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><b>Robust application review processes<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW74355016 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW74355016 BCX4\">Manual background checks on every application <\/span><span class=\"NormalTextRun SCXW74355016 BCX4\">aren&#8217;t<\/span><span class=\"NormalTextRun SCXW74355016 BCX4\"> realistic, they slow down quote and bind and drain resources. Automated checks close that gap: velocity checks assess how fast an application was completed and behaviour monitoring flags unusual patterns.<\/span><\/span><span class=\"EOP Selected SCXW74355016 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><b>Share knowledge across your team and with the wider industry\u00a0<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW201079930 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW201079930 BCX4\">Fraudsters keep evolving, so staying current means <\/span><span class=\"NormalTextRun SCXW201079930 BCX4\">participating<\/span><span class=\"NormalTextRun SCXW201079930 BCX4\"> in industry fraud-prevention networks, training staff regularly on the latest techniques and giving them a straightforward, confidential way to report anything suspicious.<\/span><\/span><span class=\"EOP Selected SCXW201079930 BCX4\" data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/span><\/p>\n<h3><span class=\"TextRun SCXW52620165 BCX4\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW52620165 BCX4\" data-ccp-parastyle=\"heading 2\">Reducing fraud risk with <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SpellingErrorHighlight SCXW52620165 BCX4\" data-ccp-parastyle=\"heading 2\">Insly<\/span><\/span><span class=\"EOP Selected SCXW52620165 BCX4\" data-ccp-props=\"{&quot;335559738&quot;:260,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Stamping out application fraud is central to reducing losses and protecting profitability and it&#8217;s exactly the kind of risk that low-risk insurance software is built to manage. Insly collates and streamlines application data, flags inconsistencies automatically and integrates with third-party fraud solutions, so fraud detection isn&#8217;t left to chance or manual review alone.<\/span> <a href=\"https:\/\/ai.insly.com\/\"><span data-contrast=\"none\">Nora, Insly\u2019s AI layer,<\/span><\/a><span data-contrast=\"none\"> adds to that by automatically extracting and structuring submission data from emails, PDFs and other documents at intake, so those checks are working with cleaner data from the start rather than whatever a manual re-key happened to capture.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Insly&#8217;s system is also highly customisable, with no technical limit on adding further layers or tools for fraud detection, so it can flex to whatever specific fraud risks your book of business faces.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">We work with 70+ MGAs and insurers and on average our customers handle double the gross written premium they managed on their previous systems.<\/span><\/i><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/insly.com\/en\/insly-discovery-call\/\"><span data-contrast=\"none\">Book a demo<\/span><\/a><span data-ccp-props=\"{&quot;335559739&quot;:140}\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\">\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Application fraud costs the insurance industry millions every year and the shape of the problem is shifting. Cifas&#8217;s latest Fraudscape report found that while false application fraud cases fell 24% nationally in 2025 (following an unusually high 2024), insurance identity fraud specifically rose 26%, over 16,000 cases. Fraudsters are moving away from simple non-disclosure toward [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":23087,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[39,78],"tags":[381],"class_list":["post-23079","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-innovation","category-mga","tag-application-fraud"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance Application Fraud: Spot It, Stop It.<\/title>\n<meta name=\"description\" content=\"Insurance identity fraud is rising fast. 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