Unfortunately, it is a given that a small proportion of policyholders or policyholders abuse this trust by committing fraud. The Association of Insurers, the interest group of private insurers in the Dutch market, has surveyed the extent of fraud in the Netherlands. This survey shows that 12% of Dutch people acknowledge that they commit insurance fraud. As a result of scams, insurers in the Netherlands lose €1 billion annually. Fraud therefore increases premium pressure (you will have to pay more premium as a result) and is socially unacceptable.

What do we regard as fraud?

By fraud we mean the deliberate prejudicing of Anker in order to benefit financially yourself (or someone else). Fraud occurs when things are presented differently than they are:

• providing incomplete and/or incorrect information;
• not telling honestly what happened;
• falsifying bills or adjusting amounts on bills;
• declaring a higher amount than the actual damage suffered;
• reclaiming a rejected claim, with a different claim circumstance and/or a different claim date;
• staging a claim.

As indicated, we operate on the basis of trust. However, sometimes we get the impression that a report is not quite right. If we get that impression, we always investigate.

What action do we take?

If fraud occurs, we can take several measures, such as:

• reject the claim and not reimburse the claim;
• reclaim a paid claim;
• charge additional costs incurred through a liability claim;
• cancelling the insurance;
• file a police report;
• make a report in the central fraud reporting system of the CIS Foundation.

Registration of fraudsters

We have an internal system in which we register fraud cases. We can also report fraudsters to the Central Information System Foundation (Stichting CIS) and to the Centre for Combating Insurance Fraud (Centrum Bestrijding Verzekeringsfraude (CBV) of the Dutch Association of Insurers. All in accordance with the Insurers & Crime Protocol. In this way, other insurers have also been alerted. When registering, we comply with the requirements of the Protocol on the Provision of Information by Financial Institutions (PIFI) regarding the registration of persons in the incidents register and the External Reference Register (EVR). We also comply with the General Data Protection Regulation (AVG).

We fight fraud because we have to

We have to take action against fraud. We owe this to society and our well-intentioned customers. That is why Anker has an active fraud policy and consistently takes action against any form of fraud.