Application Fraud

It is important that any insurance policy is based on the correct information.

Providing incorrect or false details, or failing to disclose information when requested, could render your client's insurance policy as 'null and void' or cancelled.

To ensure we sell the correct cover, we will be checking the following details ourselves or asking you to do so on our behalf:

  • Claims history
  • Identity
  • Address
  • The validity of any debit or credit card used to purchase a policy – to ensure that stolen and cloned cards are not used
  • No Claims Bonus entitlement
  • Vehicle ownership
  • Any motoring convictions
  • Taxi licence - if applicable
  • That approved security devices are fitted - where required under our policy terms
  • Whether any named drivers have had previous insurance cancelled or declared void for fraud reasons

Who we work with

Insurance Fraud Bureau

The IFB are a 'not for profit' organisation focussed on detecting and preventing organised insurance fraud.

Insurance Fraud Enforcement Department

IFED are a dedicated team at City of London Police, targeting the investigation of insurance fraud at all levels and from all sectors.

Getting in touch

Whether you're making a claim, setting up a policy for a new client or simply have a question about our cover.

Click here to find out more

Our products

Ice cream vans, lorries, horse boxes, we insure just about every type of motor vehicle driven today.

Click here to find out more

Who are ERS?

We are the largest motor syndicate at Lloyd's, and have been providing insurance to customers for 60 years.

Click here to find out more​​​