The latest developments across the P&C insurance industry regarding fraud, risk and compliance.
22 November 2016

Data is the biggest challenge in the fight against fraud

In the fight against fraud, insurers face various challenges. One of the problems that insurers identified in the Insurance Fraud & Digital Transformation Survey 2016 is the quality of data. Some challenges are found in the lack of international uniformity in how data is stored and the changing manner of how internal registration systems are used over time. The influence of bias or prejudice should also not be underestimated.

The biggest fraud challenges for insurers are related to data: issues with data protection and privacy (36%), inadequate access to external data sources (36%) and problems with internal data quality (30%).


Insurers’ biggest challenges in effectively responding to fraud (%)
Source: Insurance Fraud & Digital Transformation Survey 2016

Access to external data

Insurers would be able to fight fraud more effectively if access to external databases would be easier. Information from external sources may present a more comprehensive picture, thus providing good and sound arguments for acceptance, rejection or perhaps adapted conditions.

External sources comprise, for example, information from a chamber of commerce, payment morale or payment behavior and claims history, as well as demographic data and vehicle records.

Privacy legislation

Whether or not it is allowed to use external data varies per country. Looking at Europe, privacy laws are becoming less lenient and the use of external data becomes a more sensitive issue. In Scandinavian countries a credit check is fairly simple, in Norway and Sweden tax returns are even public. In those countries, transparency comes before privacy. However, in Central and Middle Europe privacy of data is stricter.

A more complete picture

data-is-the-biggest-challenge-in-the-fight-against-fraudEvery insurer rightly treasures the information about its clients. Much is known about their possessions, their value, how long someone has owned them and what claims occurred over the past years. When applying for new insurance, external data can complement the picture. Take, for example, solvency, the history of an object (e.g. a vehicle) that is to be insured for the first time, or the claims history with other insurers.

It may well be that an exemplary client with property insurance has quite a different history with his vehicle insurance, including dubious damage claims, elsewhere.

External data in the underwriting process

External sources may be even more important in order to make a good assessment of applications for new clients. Fairly general information can complement the supplied data to present a more comprehensive picture. This might be information about a vehicle, a credit check or demographic data about the neighborhood, such as the degree of urbanization, burglary statistics of the types of homes in the area. Often it is not enough in itself to draw decisive conclusions, but it can point to a certain direction for further communication with the applicant and for weighing the risks.

From fraud detection to fraud prevention

All the acquired information can be put into the insurer’s database and adds value to the internal data. This makes it easier to verify claims, and enables an insurer to prevent fraud and high risks from entering the portfolio; allowing them to approach fraud in a proactive manner.

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Cookie and Privacy Policy

1. Introduction

When you use this website, FRISS may collect information about your use of the website and the content offered. We believe it is important to handle your (personal) data with due care and confidentiality. When processing your personal data, we comply with the General Data Protection Regulation (Algemene Verordening Gegevensbescherming) and Article 11.7a of the Telecommunications Act (Telecommunicatiewet).

1.1.  Controller

The controller of the processing of personal data is:

FRISS Fraudebestrijding B.V.
Orteliuslaan 15
3528 BA

This processing of personal data is registered with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) in The Hague under reporting number m00004997.

1.2.  Purposes of data processing

There are several places on our website where you can fill in your (personal) data. We will explain the purposes of the various instances of data processing below.

Filling in the contact form or sending an e-mail

If you fill in the contact form on our website or send us an e-mail, we will only use the (personal) data you provide for the purpose or purposes for which you filled in the contact form or sent the e-mail.

Download form

If you download files on our website (such as e-books, whitepapers or reports), we will use the (personal) data you provide for one or more of the following purposes:

  • for the execution of an agreement, for example to send you the e-book, whitepaper or report you have chosen;
  • for the formation of an agreement, for example by contacting you by telephone or in writing.


If you fill in the application form for the newsletter on our website, your (personal) data will be used to send you the newsletter. Each newsletter contains a hyperlink at the bottom of the message that you can use to unsubscribe.

In addition to the personal data you provide to FRISS yourself, FRISS may collect, record and process additional (personal) data if you use the (web) services of FRISS. This concerns the following personal data:

  • data from the used equipment, such as a unique device ID, version of the operating system and settings of the device you use to access a service;
  • information about the use of a service, such as the time at which you use the service and the type of service that is used;
  • location details from your device or derived from your IP address that is provided to us when you use a particular service;
  • data available from external sources. We may receive information about you from public or commercially available sources.

1.3.  Provision of (personal) data to third parties

Your (personal) data will never be provided to third parties without your permission, unless we have an obligation to do so pursuant to legislation or regulations or you have given permission for this.

1.4.  Security of data

FRISS respects your privacy and ensures that personal data are handled confidentially and with the utmost care. All processed (personal) data is stored exclusively in secure databases. These databases are only accessible to employees of FRISS, to the extent that this access is required by virtue of their position. FRISS makes every effort to secure these systems against loss and/or any form of unlawful use or processing.

1.5.  Inspection, correction and deletion of data and the right to object

You can view your data that is processed by FRISS at any time and free of charge and, if you so wish, modify this data or have it deleted. You can also object to receiving information about products, services or content of FRISS. If you wish to make use of one of these options, you can send an e-mail to the Data Protection Officer of FRISS via privacy@friss.eu or write to the following address:

FRISS | fraud, risk & compliance
Attn. Data Protection Officer
Orteliuslaan 15
3528 BA Utrecht.

2. Cookies

When using this website, information about your use of these services and other websites may be collected by or on behalf of FRISS, for example by means of cookies.

A cookie is a small file that is sent along with pages of a website and stored by your browser on the hard disk of your computer. We use cookies to remember settings and preferences. You can disable these cookies via your browser.

2.1.  The purposes for which FRISS uses cookies

On our website we use cookies for the following purposes:

  • for statistical purposes, in order to analyse the use of FRISS websites. This allows us to keep track of the number of visitors and see which parts of our website are popular. We use Google Analytics in order to track and consult these statistics. On this website you can find explanations about all cookies that may be placed by Google;
  • for what is known as ‘targeting’ purposes, if you have used the download form. By targeting we mean building a profile of you based on your surfing behaviour on our website, after which we may contact you by telephone or e-mail based on the interests you have shown in order to offer you FRISS services that you may be interested in. We use HubSpot in order to track and consult these statistics. On this website you can find explanations about all cookies that may be placed by HubSpot;

3. Changes to this Cookie and Privacy Statement

FRISS may make changes to this Cookie and Privacy Statement. All modifications will be published on this page. We advise you to consult this Cookie and Privacy Statement regularly, so that you are always aware of the content of the current Cookie and Privacy Statement.