The insurers and ING do not accept fraud. Someone who commits fraud misleads the financial services provider. This can be both when applying for insurance and when claiming a claim. Examples are:
To prevent fraud, we screen the customers, employees and the companies we do business with.
The insurer and ING also deposit all claims in the database of foundation CIS. The insurer and ING launch an investigation if they suspect that someone has deliberately and intentionally given incorrect or incomplete information.
"}},{"componentType":"sectionTitle","title":"Fraud increases premium for fair customers"},{"componentType":"paragraph","richBody":{"value":"When people file claims that are not accurate, or deliberately give misinformation when applying for insurance, they don’t just harm the insurance company. They also disadvantage other policyholders. Abusing insurance means that insurers have to deal with high costs and unnecessary damage benefits. Ultimately, this also leads to higher premium
"}},{"componentType":"sectionTitle","title":"Our fraud policy"},{"componentType":"paragraph","title":"Prevention and detection of fraud","richBody":{"value":"We recognise and record fraud in a number of ways. For example, we use fraud indicators and digital tools to detect fraud. And of course we comply with the applicable laws and regulations.
If there is a suspicion of fraud, we will start an investigation. If necessary, we also take action on the applicant.
"}},{"componentType":"paragraph","title":"Possible measures after detecting fraud","richBody":{"value":"If it turns out that it is fraud, then measures can be taken by the insurer or ING. Examples:
Reporting fraud to the police is not done just like that. This must make sense. For example, if there is large-scale fraud or if there are major business interests. But also if the police ask for it or if there is a prospect of returning goods.
"}},{"componentType":"paragraph","title":"Inform the insured during an investigation.","richBody":{"value":"If after extensive investigation it appears that someone is cheating, this will first be reported to this person. And we explain what measures we are taking. This will be done in writing.
"}},{"componentType":"paragraph","title":"We bring research costs into account","richBody":{"value":"The fraudulent person must pay for the research costs incurred. There is a standard amount of € 532. Sometimes we incur higher costs because we have external costs. And we bring that into account.
"}},{"componentType":"sectionTitle","title":"Recording damages at Foundation CIS"},{"componentType":"paragraph","richBody":{"value":"Foundation Centraal Informatie Systeem (CIS) is a foundation for insurance companies and authorized representatives operating in the Netherlands. The CIS database is independent and manages data that may be important for all insurers. In the CIS database all claims received (injury reports) are withdrawn. Both the insurers and the trustees. It does not matter who is at fault for the damage or that a damage is not compensated according to the policy conditions.
"}},{"componentType":"paragraph","title":"How do we use the information from the CIS database?","richBody":{"value":"The information is used in this way:
These are all reasons to be able to deny the insurance or claim.
"}},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}