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

FRISS hits the newspapers: ‘Fraud as part of the game? No way!’

FRISS hits the nieuwspapers: ‘Fraud as part of the game? No way!’Fraud is part of the business, all in the game. This is what Jeroen Morrenhof often heard when he was still working in the insurance sector. Insurers accept the losses that originate from fraud and eventually the genuine customer is presented the bill. That’s it. Morrenhof decided this could be changed and founded FRISS in 2006.

With advanced software he helps insurance companies to both minimize the risk on fraud, and to detect the fraud cases that still entered the portfolio. Morrenhof: “Why should customers pay for a problem that their insurer is not able to solve? That is the question we ask insurers. It is our mission to support honest insurance worldwide, enabling fair premiums.”

With sound results. Online insurer InShared used the money, that was saved by using the FRISS solution, to refund customers who had not filed any claims.


Germany became the first export country for FRISS. The need for fraud and risk management in Germany was and still is significant, knows Morrenhof. “However, this does not mean that you are automatically able to reach your target market as a foreign company.” With support of Gateway to Germany, which helps Dutch companies in exporting to Germany, FRISS was able to establish the right connections. “Our German partners gave us the credibility that we needed. Image, thoroughness, and reliability turned out to be crucial in convincing other German companies to do business with us. For a German, all that counts is a German reference.”


Once you have set foot on ground in Germany, you need to adapt. “When we deliver a project to a Dutch customer, we organize a workshop of two hours with about eight participants. When we deliver a project in Germany, we sit down for a full day with approximately 25 people. Everything must be covered in-depth, even if something possibly occurs once every 10.000 times. The German Gründlichkeit really exists.” FRISS is doing well, which might even be an understatement. One of the German customers is the Signal Iduna Group, which receives a gross written premium (GWP) of 5.5 billion euros from all related insurers. In 2015 FRISS was the fastest growing exporting software company in The Netherlands.

FRISS is active in over ten countries, amongst them: Turkey, Spain, Italy, Mexico, Brazil and Argentina.


It’s not easy to actually make a difference in Germany. It takes patience and you need to get to the bottom of everything that is relevant to your business before taking action.

  1. Think German

The best possible way to learn to think German: recruit a German or multiple Germans. This is also a general rule of thumb; if you want to expand internationally you have to make your company more international.

  1. Act quickly

Do not wait too long before you start to expand your business internationally. It takes a while before you can actually get into business. So, when you see an opportunity, take it!

  1. Experimenting

Every country has its (cultural) differences, so don’t be afraid to experiment with your product and see where it takes you. Produce, test, evaluate and improve were needed. Trial and error.

  1. Cooperate
    Search for a partner in the export country. If you manage find good one, you will see what doors such a partner can open. A partner can access territories for you, which you wouldn’t be able to access on your own.

23.01.16 AD artikel - Wat nou fraude hoort erbij


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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.

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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.

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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.