Search our frequently asked questions

Fraud

We treat fraud extremely seriously. Find out more about our policy and initiatives to prevent and mitigate fraud. 

  • How do I report claims fraud?

    If you suspect fraud then please contact our dedicated hotline on 03300 535 891.  All calls will be treated in the strictest confidence.

  • How does ERS prevent claims fraud?

    ERS has a zero tolerance to claims fraud because it can negatively affect innocent policyholders in two ways:

    • The Association of British Insurers believes that it adds £50 to the cost of motor insurance premiums.                  
    • Criminals may seek to manoeuvre innocent motorists into induced accidents in order to benefit from claims.

    If you suspect fraud then please contact our dedicated hotline on 03300 535 891. All calls will be treated in the strictest confidence.

  • How does ERS prevent application fraud?

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

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

    To ensure we sell the correct cover, the following are details which may be checked by ERS, or your broker on our behalf:

    • Your claims history
    • Your identity
    • Your address
    • The validity of any debit or credit card used to purchase your policy – to ensure that stolen and cloned cards are not used
    • Your No Claims Bonus entitlement
    • The ownership of your vehicle
    • Any motoring convictions you have
    • Your taxi license - if applicable
    • That approved security devices are fitted - where required under our policy terms Whether you or any named drivers have had previous insurance cancelled or declared void for fraud reasons
  • Who does ERS work with to prevent fraud?

    To help prevent fraud, we work with the following organisations:

    •  Insurance Fraud Bureau - the IFB are a 'not for profit' organisation focussed on detecting and preventing organised insurance fraud.
    • Insurance Fraud Enforcement Department - the IFED are a dedicated team at City of London Police, targeting the investigation of insurance fraud at all levels and from all sectors.