Injury and Insurance Fraud Investigations

Fraudulent injury and insurance claims cost billions of pounds each year. Through our fraud investigation service we can obtain evidence to support or discredit these claims.

Insurance Claim Validation

The increase in fraudulent insurance claims in the insurance industry has had a dramatic effect on the premiums paid by everyone, in recent years we have seen a significant rise in the number of fraudulent activity and exaggerated claims. Most insurance claims are subject to some form of claim validation ranging from a routine telephone interview with the claimant to an in-depth insurance fraud investigation.

Where injuries are sustained and they have an impact on the claimant’s quality of life, the initial compensation and ongoing financial support can cost an insurer millions of pounds. The claim will be based on a number of factors such as the involvement of the liable party, whether they had followed their legal obligations, the impact this has had on the claimant – both physically and psychologically, loss of earnings, damage to property or possessions and any lasting effects on the claimants quality of life.

If there are precarious grounds for the claim, a lack of evidence or suspicions about the legitimacy of the claimant, insurers are likely to review the claim.

Where the claim value is substantial this frequently warrants the use of insurance investigators and loss adjusters, the role of an insurance fraud investigator is to obtain evidence (Usually covertly) that will either support or discredit the claim. This can be equally important for supporting claims as it can for disputing them, every victim deserves to be compensated fairly for an accident and the evidence provided by a private investigator may reassure the insurer that no further examination or scrutiny is required.

Private investigators often take on the role of a loss adjuster, a loss adjuster’s role is to provide support and guidance in the event of an insurance claim. Whilst a loss adjuster will work for, or be instructed by an insurer, there are impartial industry bodies that set out codes of conduct they must adhere to. In cases of fraudulent claims, the cost of a loss adjuster can significantly reduce the overall financial liability of the insurer.

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Why would private investigators get involved in Injury & Insurance Investigations?

I had a car accident and the other person is lying about their injuries

Injury & Insurance Investigations

In the event of a false injury claim, our most powerful tool is surveillance. In the case of false claims, we would collect all the details you have for the individual and talk about your concerns. This will help our insurance fraud investigators and investigations team identify an address, do background checks, conduct interviews, and gather key information, photographic and video evidence. While the effects of injuries can change over time, with some good days and bad days, if we can gather robust and conclusive evidence of their behaviour over time, showing it to be inconsistent with their alleged injuries, you will be able to make a case that your business insurance should reassess their claim.

An employee sustained an injury at work and is claiming they are unable to return to work

Injury & Insurance Fraud Investigations

In manual handling industries, particularly, firms take great steps to ensure their employees are operating in a safe manner, but injuries do happen. If an employee’s claims are inconsistent with the nature of their injury or with your records of the accident, you may have reasonable cause to investigate. As with insurance fraud investigations, the most conclusive evidence we can provide is video evidence of the employee behaving in a manner inconsistent with their claims. Using employee investigations and covert surveillance techniques, we can ascertain whether or not the employee is really unable to work and provide photographic or video evidence to support this.

A customer had an accident at our business premises

Injury & Insurance Investigations

 Health and safety is an ongoing part of the business but unfortunately, accidents do happen and sometimes they lead to injuries, if a customer has been involved in an accident on your premises you may find they make a claim against your business. The role of a private investigator is not to prove the customer is lying but to conduct a non-partisan injury & insurance fraud investigation to gather evidence and verify the facts. Photographic and video surveillance reports can be used by your insurer to defend against a fraudulent insurance claim.

What our customers said

Insurance Fraud
Case Studies

Are you trying to obtain evidence of a fraudulent claim made against you? Read some of our successes.
Car insurance scams and fraudulent claims are an escalating issue in the UK, with costs averaging £1.3billion each year. This effects all honest drivers and unfortunately leaves us all suffering from increasing premiums as insurance companies try to cover their losses. Often scammers will exaggerate claims of injury or damages in order to take more money out of the honest driver’s pockets. A small insurance company contacted us when they received a precarious claim following a road traffic collision….

Corporate Private Investigation Services

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We assist employers, who might otherwise avoid investigating dishonest staff because they lack experience or fear legal action.

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Exaggerating injuries for financial gain creates stigma and undue stress for those who rely on compensation and injury payments.

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Becoming a victim of fraud can be stressful and financially devastating so investigating it professionally and effectively is vital.

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Process servers provide a trusted method of delivery that ensures documents have been received by the respondent.

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Mystery shoppers collect vital intelligence about the customer’s experience and can find evidence of unscrupulous retailers.

WPCCorporate Person Tracing

Enquiry agents can conduct covert and overt enquiries, obtaining additional information to support investigations.

Insurance for fraud investigation: FAQs

Yes, you must have reasonable grounds to investigate claims validation, and the insurance fraud investigation itself must be proportionate to the claim and the accusation.

If you are instructing us from a Public Body such as a local authority you may need to obtain judicial approval to adhere to the Regulation of Investigatory Powers Act (RIPA) and we are happy to advise on the application should it be required. This does not apply to individuals and corporate clients.

The first step is to establish whether you have cover to protect yourself against the claim, once you have done that you should try to gather as much information about the incident as possible and identify who is liable for the claim.

If you feel the claimant or the incident is suspicious then contact an insurance fraud investigator to discuss potential fraud and the possibility of launching an investigation.

Yes, all of the injury & insurance investigations we conduct are done so legally, lawfully and ethically.

The information we obtain will be prepared to a standard that is suitable to be admissible as evidence.

This depends on what type of fraudulent act and the severity of it. If you believe you have been a victim of any form of financial fraud the most important step is to contact your bank immediately. Whilst it may not be possible to recover funds, they will be able to put a temporary hold on your account to stop any further funds from being taken. At this point, you may also need to contact the non-emergency police line (101 in the U.K) and log your complaint with Action Fraud. (

The police have the resources and many cases of fraud. Unfortunately, fraud is categorised as a civil case leaving them unable to offer assistance. If you need to discuss a case of fraud, you can trust Reveal PI. We are privately funded by our clients and therefore can commit as much time and resource as our clients are willing to finance.

Our clients’ confidentiality is paramount to us and all of our agents are trained to know exactly what they can and cannot disclose.

If the task requires disclosing your identity this is something you would be made aware of at the initial stage and confirmation would be sought before proceeding.

We are fully GDPR compliant so all of the data we hold is stored and accessed securely.

Firstly and foremostly, make sure you never transfer money or funds to somebody you are not absolutely confident about.

If in doubt, ask the question and take time to check all of the details if it adds up. If somebody is claiming to be from a company, then do an online search for them and ask if you can call the business to ask them to put them through to you or confirm their validity.


If somebody commits fraud or makes a fraudulent claim against you or your business we can counter fraud and obtain evidence to establish whether their behaviour is consistent with their claim.

This is particularly important in cases where you may be liable for damages or injuries that are being exaggerated or falsified.

We always aim to provide indisputable evidence however this is not always possible. In the event that the information we provide is questioned or scrutinised, we will attend court to support our evidence as required.

There is no set timeframe for an insurance investigation as it will depend on a number of factors, the severity of the issue, the awareness of the subject, the size of the claim and the evidential requirements.

On average we see insurance fraud investigations (e.g. healthcare fraud, disaster fraud) last for between 1-3 weeks at a time but they are frequently revisited months and sometimes years down the line to establish whether the situation has changed.

Yes, all of the fraud investigations we conduct are done so legally, lawfully and ethically.

The information we obtain will always be presented to a standard that is sufficient to be used as evidence; however, it will be your legal advisors that make the decision as to whether it is objective enough to be used in court.

The CSEW (Crime Survey for England and Wales) reported an estimate of 3.8 million cases of fraud in March 2019. These figures showed an increase of 17% from the previous year, and over half of them (54%) were cyber-related.

We are contacted by businesses and individuals who have become victims of fraud every week. Many clients feel embarrassed that they have fallen for something that in retrospect doesn’t seem legitimate, our team are always happy to offer free and non-judgemental advice so do not hesitate to call Reveal PI if you suspect that you may be at risk.

We investigate many different types of fraud, our team have experience dealing with:

  • Identity Theft
  • Online Romance Scams
  • Investment Fraud
  • Telemarketing Fraud
  • Inheritance Fraud
  • Cryptocurrency Fraud
  • Online Catfishing
  • Benefit Fraud
  • Fake Money Scams
  • Sale of Counterfeit Goods

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