Detecting insurance fraud
Claims validation in cases of anomalies or suspicion
Staged losses, falsified documents or intentional misrepresentation of claims – insurance fraud is one of the most common types of fraud, often resulting in substantial financial losses. We support insurers and claims departments with legally admissible investigations – both in the field and through in-depth back-office research: discreet, professional, and evidence-based.
Insurance fraud costs billions
Although insurance fraud is a criminal offence, this rarely deters perpetrators. According to the German Insurance Association (GDV), the estimated annual cost of insurance fraud now exceeds €6 billion. Approximately 10% of all reported claims are considered suspicious and warrant investigation. Around half of all fraud cases occur in motor insurance; the remaining cases are spread across property and casualty lines.
Investigating these cases consumes considerable time and internal resources. Our insurance fraud investigation services provide insurers with efficient, discreet, and legally sound support to resolve suspected fraud cases and prevent further financial damage.
Common types of insurance fraud we detect
- Suspected auto insurance fraud (e.g. staged vehicle theft)
- Disability claims despite ongoing employment
- Suspicious fire or burglary claims
- Duplicate billing of repair or medical costs
- Manipulated claims documentation in household or property insurance
Can’t find your case listed? These are just examples. Insurance fraud comes in many forms. Contact us for a confidential consultation. You’ll also find more examples of our fraud investigation services here.
Fraud investigation services for insurers
Our services offer critical advantages in motor, accident, and property insurance fraud investigations. Using discreet, targeted measures, we verify suspicious claims, identify fraudulent activity, and help prevent major financial losses. Combining technical evidence collection, on-the-ground surveillance, and tactical research, we provide a key building block of modern fraud prevention strategies.
In addition to field investigations, we offer insurers a 360-degree perspective through social profiling, document analysis, and location data. Our findings often serve as the basis for operational decisions, provisioning, subrogation, and even criminal prosecution.
On-site mobile claims inspections
No matter the suspicion – staged traffic collisions, suspicious long-term disability claims, or fabricated burglary incidents – we can discreetly investigate the claim and provide expert consultation.
Our field investigation services include:
Surveillance & covert operations
- Surveillance to verify reported complaints (e.g. limited mobility, work incapacity) or other suspicions
- Covert investigations and field interviews to uncover inconsistencies, organized fraud networks, or collusive claims
On-site investigations & evidence analysis
- In-person plausibility checks (e.g. for burglary, accident, or vandalism reports)
- Secure collection of evidence (photos, videos, invoices, medical records) in compliance with data protection laws
Subject and network analysis
- Identification of suspicious patterns (e.g. repeated claims, identical participants)
- Environmental and social network analysis to detect organized fraud schemes or perpetrator profiles
Site-based plausibility checks
- Verification of reported incidents against local conditions (e.g. road layout, terrain, weather)
Documentation & evidence preservation
- Comprehensive documentation of all observations, indicators, and collected evidence
- Forms the basis for internal evaluation and, if necessary, legal proceedings
Back-office research & analysis
Whether it’s document validation, online research, register checks or plausibility assessments – our in-house investigations are designed to efficiently uncover insurance fraud and support your casework end-to-end.
Document validation & plausibility analysis
- Review of claim forms, estimates, medical certificates, and invoices for internal consistency and logical feasibility
- Detection of anomalies such as boilerplate reuse, timestamp inconsistencies or implausible damage amounts
Database & registry checks
- Use of trade, insolvency, transparency, commercial and vehicle registries to verify company information
- Detection of risk indicators such as banned directors, frequent legal form changes or questionable revenue figures
Social and commercial network analysis
- Identification of connections between stakeholders (e.g. policyholders, assessors, garages, doctors)
- Evaluation of social media (Facebook, LinkedIn etc.) to reveal hidden relationships or activity
Open source intelligence (OSINT) research
- Investigation of publicly available online sources (e.g. classifieds, forums, vehicle listings) to detect contradictory information, such as ads for items reported stolen
Identity & biography verification
- Cross-checking personal data against official registers to prevent identity fraud or multiple policies
- In special cases: verifying personal background in complex claim scenarios – always in compliance with data privacy laws
Detect, track, and resolve vehicle theft with ex:tracked
With the ex:tracked vehicle tracking system, insurers gain a modern, compliant, and efficient solution to respond to reported vehicle theft. Vehicle data is accessed strictly on an event-driven, purpose-specific basis. Using Connected Car data, reported stolen vehicles can be tracked and optionally recovered across Europe. Damage assessment can be initiated digitally, enabling seamless processing via a digital claims report.
Discreet, professional and court-admissible investigations
If your insurance company is facing a suspected fraud case, EXCON is your trusted partner. We provide end-to-end support through our proven insurance fraud investigation services.
Your benefits:
- Investigations conducted by experienced specialists
- Certified in data protection and compliance standards
- Years of experience in insurance claims handling
- Seamless integration into your claims validation and settlement systems
Schedule a confidential consultation
You suspect fraud and want to investigate discreetly? Use our request form or contact our fraud investigation expert for a no-obligation consultation.
Ulrike Brown
Operations Manager Claims Solutions
EXCON Insurance Services GmbH
ulrike.brown@excon.com
