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How we deal with fraud
Corins is part of ASR Nederland N.V. and applies the same fraud policy as a.s.r.
Trust
The basis for insurance is trust. We trust that you answer all questions honestly when you apply for insurance and that you provide correct and complete information in the event of a claim. You trust us to help you when you suffer damage and to reimburse the damage. Our way of working is based on this trust. It enables us, for example, to process insurance applications or claims quickly and without much ado.
Fraud
Various studies show that a small group of customers abuse this trust. They commit fraud. The same studies also show that the vast majority of customers think we should be cracking down on insurance fraud. That makes sense. Because the more fraud is committed, the higher the premium. We would like to avoid this by checking that claims and insurance applications are rightly filed and correct.
We check whom we are dealing with
In case of insurance applications, we check with whom we are doing business. We always check the identity of the applicant. But also the identity of the ultimate beneficiary of an insurance product or financial service. We do so again when we pay out a claim. In that case we also check to see if someone is on a sanctions list.
What do we mean by fraud?
Fraud is understood to mean the deliberate disadvantaging of the insurer for the benefit of the fraudster or a third person. The fraudster then misrepresents the facts in order, for example, to be able to take out an insurance policy or to receive a (higher) payment than he is entitled to. For example:
- Providing false information to Corins, for example when applying for insurance
- Not telling the truth about what happened
- Changing amounts on invoices
- Claiming more than the actual damage
- Re-submitting a rejected claim with a different story
- Intentionally causing damage and pretending it was an accident
- Feigning an injury or exaggerating an injury
Prevent misunderstandings
Avoid mistakes and ambiguities. If, for example, when filling in an application form, are you not sure what we mean by a certain question, then please contact us. This also applies if, for example, you do not know how to act in the event of a notice of claim. Or if you do not know what information to pass on to Corins when submitting a claim. In this way, we can avoid misunderstandings together.
Fraud Control Coordinator
Corins has a Fraud Control Coordinator who is in charge of preventing, detecting and combating insurance fraud. The Fraud Control Coordinator is registered in the Fraud Control Coordinator Register. This register falls under the responsibility of the Dutch Association of Insurers and is managed by the Dutch Institute of Loss Adjusters (Nivre). How do we detect fraud? We use various methods to find out the truth and thus detect fraud. Naturally, we comply with the applicable legislation and regulations, such as the Personal Data Protection Act and the Personal Examination Code of Conduct (Gedragscode Persoonlijk Onderzoek). This is how we check for fraud:
- We may conduct or commission an investigation into a person’s conduct or collect information that may be relevant to effecting insurance, assessing entitlement to reimbursement or determining the amount of insurance payments.
- We may collect and process personal data obtained by other means and from other sources than from the person concerned. For example, from public sources such as the RDW vehicle registration register, the registers of the Chambers of Commerce, the Land Registry and the internet. But also information obtained from other persons such as informers or witnesses.
- We can collect information by, for example, carrying out or commissioning a technical or tactical investigation or a background check on a person. This includes, for example, observing or interviewing people, accident analysis, invoice checks, fire (technical) investigation and investigation of traces of burglary.
- We use relevant information from the financial institutions incident warning system. We can exchange information with other insurance companies.
- We make use of predictive software. This software distinguishes between claims that are approved immediately and claims that need to be investigated for possible fraud.
We carry out some of the investigations ourselves, but not all. For some investigations, Corins engages external investigation bureaus. Agreements have been made with these investigation bureaus. They must comply with the applicable legislation and regulations for conducting the investigations and processing personal data.
What do we do if there is a suspicion of fraud?
As soon as we have collected sufficient facts to be able to state that fraudulent action may have taken place, we will inform the person concerned. We can do this ourselves, but we can also ask an investigation bureau to do this. The person concerned will then be given the opportunity to provide an additional explanation. After this, we decide whether to take measures.
What measures do we take in case of fraud?
x Is fraud involved? Then we take measures, for example:
- Not reimbursing the damage
- Recovering the (investigation) costs incurred and the reimbursement amounts already paid.
- Terminating all current non-life insurance contracts and any other contracts
- In the future, not entering into contracts with this person. We can extend this exclusion to all brands and business units of ASR Nederland N.V
- Including relevant personal data in our internal incidents register
- To prevent and combat fraud, insurers have a warning system via www.stichtingcis.nl. Personal data are entered and consulted in this system by affiliated insurers. More on this can be found in the Financial Institutions Incident Warning Systems Protocol
- Reporting these personal data to Stichting CIS
- Reporting the relevant personal data to the Centre for Fighting Insurance Crime of the Dutch Association of Insurers
- Reporting incidents to the police
Recovering costs
For the internal investigation costs a standard compensation of € 532 applies. This amount is recovered by SODA (Service Organisation Direct Liability; Service Organisatie Directe Aansprakelijkstelling). In addition to the standard amount, SODA may, on behalf of Corins, also recover other costs incurred or compensation paid out in error. In addition, from 26 February 2020, if fraud is already involved at the insurance application stage, internal costs to the amount of € 101 may be charged. More information on SODA can be found at www.so-da.nl.
We report the incident to the police
Reporting to the police is a serious measure. Nevertheless, depending on the severity and extent of the fraud, we will report it to the police. We may also report it to the police if we have a serious suspicion of fraud based on established facts.
Information to the fraudster
As soon as we have collected sufficient facts to be able to state that fraudulent action may have taken place, the person(s) concerned will be informed of this in writing. We can do this ourselves, but an investigation bureau firm can also do this. The person(s) concerned will then be given the opportunity to defend themselves. After this, we determine whether any measures will be taken.
Do you want to report fraud?
Do you suspect that an insured or another relation of Corins is committing fraud? Then you can report it to us:
- By email veiligheidszaken.asr@asr.nl
- Or call our Security Matters Department during office hours (030) 278 6572
- Report anonymously? Then contact Report Crime Anonymously (Meld Misdaad Anoniem), telephone: 0800 7000
- claim number (if known)
- name, address, date of birth of the person(s) concerned
- what the fraud is about
- how you obtained the information
- your contact details if you are willing to provide additional information to a.s.r.
This way your information will reach one of the Fraud Control Coordinators directly. This coordinator will handle your information with due care. You can read more about it in our privacy statement.