In Tilburg, Netherlands, insurance fraud has become a growing concern, with many residents unknowingly falling victim to deceitful practices. Verzekeringsfraude, or insurance fraud, can take many forms, from false claims to fabricated policies. As a Tilburg resident, it's essential to understand what constitutes verzekeringsfraude and how to protect yourself from becoming a victim.
Insurance Fraud: What Falls Under This Category?Insurance fraud is the intentional deception of an insurer to obtain a payout to which one is not entitled. Annually, insurance fraud costs the Dutch society more than €900 million.
Forms of Insurance Fraud
Insurance fraud can take various forms:
At the time of policy inception:- Providing incorrect or incomplete information
- Concealing relevant facts (such as previous damages)
- Misrepresenting one's profession or living situation
- Exaggerating the extent of damage
- Claiming damage that did not occur
- Reporting old damage as new damage
- Falsifying invoices or altering receipts
- Intentionally causing accidents
- Collaborating with disreputable repair companies
- Organized theft claims
Detection of Fraud
Insurers use various methods to detect fraud:
- Data analysis and pattern recognition
- Expert investigation
- Cooperation with the police and judiciary
- Information exchange via the CIS (Information System for Insurance)
Penalties and Consequences
If convicted of insurance fraud, you risk:
- Rejection of the claim
- Repayment of disbursed amounts
- Termination of all your insurance policies
- Registration in the EVR (up to 8 years)
- Criminal prosecution
- Civil liability for investigation costs