Fraud policy

At Frisia Verzekeringen, trust is paramount. We try to represent your interests in the best possible way, but unfortunately, this trust is sometimes broken by a small group of customers. Research into insurance fraud showed that one out of three people report having committed insurance fraud at least once. This has major consequences, not only for us, but also for you as a customer.

What do we mean by fraud?

By fraud, Frisia Verzekeringen means: “deliberately penalizing an insurer in order to (or let) make it financially better for yourself (or someone else)”.

A number of recognisable examples:

• Not telling the truth, but telling a different story;
• Giving up more than was stolen;
• Specify a higher amount than the damage suffered;
• After a rejected damage, report the same damage again with a different story;
• Falsify a note;
• Staging a burglary.

We always assume that a claim is completely correct, but sometimes we have the idea that it is not. That is why we carefully record each claim to prevent misunderstandings. If we think something is wrong, we are obliged to have an investigation initiated.

Measures

If fraud is involved, a number of measures can be taken, such as:

• Failure to reimburse damage;
• Have any damage paid back;
• Charge additional costs;
• Cancelling insurance;
• Say goodbye to the fraudster by cancelling all his insurances;
• Reporting fraud on the so-called warning list (registration of the Central Information System Foundation). This is how we warn other insurers. This makes it more difficult for the fraudster to insure against the normal premium;
• Report it to the police;

Active fraud prevention

Research shows that almost everyone believes that they should not be the victims of insurance fraud. This is because through your premium, you contribute to the fraudulent behavior of others. Of course, we want to prevent this as much as possible. An important reason for us to actively combat fraud.

Should we suspect insurance fraud, we will inform the customer immediately and ask for additional information to rule out this suspicion.

If there are additional provisions for the fraud policy, you can find them in the documents.