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

Social media and digitization in the fight against insurance fraud

Social-media-and-digitization-in-the-fight-against-insurance-fraudHow convenient would it be for insurers if they could just add individuals on Facebook, Twitter, Instagram or any other social media platform in order to track & trace behavior? This would give insurers a powerful weapon in the fight against fraud. For instance, insurers could determine where a claimant was at the time of a car accident. The claim might have been issued from a so-called holiday destination, while a Facebook status update reveals that the claimant actually was at a local festival.

Social media changes the game

Internet-of-Things (IoT) changes the way people behave. It also changes the way companies behave. And it therefore makes some things easier but also trickier at the same time. It would not be difficult to see the advantages for an insurance company when it is possible to look into social media to get extra personal information related to a claim. Links between individuals involved in a case can quickly be made. Social media can also provide insight in the claimed incidents, as different people can report the same occasion. This helps to construct a more accurate picture of what happened. Besides that, it saves the insurer valuable time and money, as they reduce the amount of on-site visits and time spent on investigations.

The rise of new technologies such as dashcams or GoPro related footage of sports and vacations makes it possible to see online what happened at the time of an accident. Not only from the persons involved, but also from people that were there when the accident happened. Witnesses might be identified from a video or post something on the topic themselves. This could reveal that claimants were not at the locations they mentioned they were, or that the claimed damage was not as severe as it has been reported.

Careful considerations

For the claims investigation units these developments may sound as moving into the ideal world. However, it is not that simple. Key is that the information should be used correctly. Not all data is publicly available or can be used from a legal perspective. There is a difference between looking up a person via Google, or to start an investigation into someone. Insurers have to be careful in interpreting the data that they find. Is it the correct social media profile they are looking at? Is the account owned by reliable people? Is the gathered information open and usable for an investigation?

Social media broadens the possibilities during an investigation. Investigators can dig wider and deeper. Nevertheless, insurers must keep in mind that rules and regulations differ per country. Most countries provide guidelines for use of social media for investigations. If insurers stick to these, social media is a powerful helping hand when investigating fraud cases. On the flipside, if insurers do not manage to play by the rules, it does not make them much better than the fraudster.

Source: Post Online

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.