The latest developments across the P&C insurance industry regarding fraud, risk and compliance.
09 February 2017

Seize the Opportunity of Digital Transformation to Fight Insurance Fraud

The insurance industry has an opportunity to use technology to improve efficiency and realize new strategic opportunities. Digitization and Internet of Things (IoT) open doors for insurance carriers to improve their customer experience. Those opportunities could create new services or business models (e.g. on-demand insurance) and improved efficiency (e.g. automated processes).

Mobile apps transform customer expectations

Seize-the-opportunity-of-digital-transformation-to-fight-insurance-fraudMobile technology is emerging and is changing customer interaction, service and sales. Mobile apps for insurance are rapidly replacing traditional ways of communication between insurance companies and their customers. The technology behind mobile apps for insurance is improving rapidly and worldwide adoption seems just a matter of time. Insurers should be aware that such apps are also transforming customer expectations. Nowadays, customers are demanding instant response when they reach out to an organization.

Mobile apps are used to support several insurance processes and are multifunctional in some occasions. The apps mostly support the submitting of claims and contact customer service. Requesting a new policy or receiving a quotation are less common, but are undoubtedly upcoming use cases for mobile apps.  All the information that is filed within a mobile app helps the insurer to quickly assess involved persons, objects and damages. This makes it possible to identify suspicious cases in an early stage.

Gain insights with visual screening

Looking at fraud fighting, one of the use cases of mobile technology can be found in visual screening. For instance, both online portals and mobile apps for insurance often have the possibility to submit photos or videos. This provides an insurer with more tools to assess the involved object or the damage claimed (e.g. driving direction, point of damage and environment).

Moreover, instant insight into the complexity of a claim gives an insurer the opportunity to efficiently determine the need of an expert. Visual screening technologies could decrease the initial processing time of claims and applications, since a list of standardized questions will become superfluous when images and videos are submitted.

53% of the insurance professionals work at an insurance company that provides a mobile app for its customers.

“Pay-how-you-drive” insurance

Seize-the-opportunity-of-digital-transformation-to-fight-insurance-fraudTelematics in insurance uses real-time data to monitor the behavior of policyholders and calculate the premium accordingly. ‘Pay-how-you-drive’ insurance is by far the most common and practical example of telematics technology. Telematics comprises a ‘black’ box with software and sensors that needs to be installed in a vehicle. Special software is used to process the data. The technology registers location, speed, acceleration, braking and the G-forces that impact the car when swerving or turning corners.

Some insurers provide mobile apps with the telematics box. This enables easy access to the data and makes drivers more aware of their driving behavior. It is a win-win situation: making telematics more than a tool for the insurer, and becoming a very interesting application for the insured. The reward system makes it feel like a game. Points are deducted for speeding, braking or fast acceleration. As people enjoy getting a high score, they try to speed less. Positive scoring may result into a lower premium, making the use of telematics very relevant for the insured.

Telematics also enables reconstruction of vehicle positions and trajectories in accidents, making it a lot easier to verify claims. Based on the data provided by telematics-equipped vehicles, insurers are in a better position to assess risks. However, as most insurers indicate, those are not the main objectives of telematics usage.

62% of insurance companies aims to stimulate safe driving behavior with telematics insurance.

Benefits outweigh risks

The insurance industry is transforming digitally and most insurance companies have set their first steps. Downside could be that there are clear risks involved; the technology is still relatively new and improving on a day-by-day basis. Challenges concerning privacy need to be tackled ways to manipulate data should be eliminated. However, the benefits strongly outweigh the risks.

Contact us

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.