FRAUD POLICY & PREVENTION

We operate a zero tolerance policy on fraud to ensure our honest policyholders can benefit from lower premiums. If you or anyone acting on your behalf makes a fraudulent or false claim you will forfeit all rights under this policy. We reserve the right to retain all premiums paid and recover any costs incurred as a result of any false or fraudulent claim. Your details may also be shared with the police and other insurers via a sophisticated information-sharing network, which may affect your ability to claim for any type of insurance.

For clarity we typically perform the following, however we may use other techniques to deter fraudulent claims:

• Our claims handlers will take detailed information about the event which led to the claim.

• In the case of a boiler claim we will ask for proof of your annual service and an engineer may inspect your boiler to determine if it was in full working order when you purchased the policy.

• If you make a home emergency claim (e.g. roof damage) our assessors may inspect the area concerned to ascertain when the damage took place.

• Where we suspect fraud or we cannot confirm the circumstances of a claim we may arrange a home visit by one of our investigators to discuss the circumstances of their claim.