Claims data analysed from assessments carried out over the past four years by desktop counter fraud specialist VFM Services, has highlighted that when telling lies fraudsters would rather blame their child, pet, or a complete stranger rather than take the blame for a false claim themselves.
Out of those claims proven to be false following investigation by VFM Services, 37% of fraudsters blamed their baby, son, daughter, partner, or pet; and 29% blamed an unknown faceless/nameless assailant. Indeed, only around one fifth of fraudsters actually took personal responsibility for the false act. In 2014 the ABI reported that insurance fraud was at a record high. The ‘get away with it culture’, shows no signs of slowing down in 2015, with evidence suggesting that there still persists a widely held assumption that a little exaggeration here and there doesn’t hurt anyone. However, data demonstrates that whilst less than honest homeowners are happy to cash in on false home insurance claims, they are not quite so willing to take the blame for the falsified events themselves.
Sally Griffiths, Director VFM Services, explains “This is a new twist on the adage ‘where there’s blame, there’s a claim’. Apparently, fraudsters find it easier to lie if they claim somebody else is at fault or perhaps they simply don’t want to take personal responsibility for anything, including an event that did not even happen. Either way it is an interesting insight into the psychology of a fraudster and a trend that we see time and time again. Using our conversation management technique most of these claims are actually subsequently withdrawn, demonstrating that employing the right approach by trained claims investigators can lead even the most determined fraudster to question their actions. This is something we need to do more of as an industry if we are ever going to reduce the huge annual fraud payout.”
“Highlighting trends such as this, is also a great way to tackle the public image that a little fraud or exaggeration here or there will go undetected. Fraudsters should be aware that we know every trick in the book, and insurers using our conversation management techniques will seek out and find them! ”