Cracking down on fraud

At Aviva, we’re committed to fighting fraud for our customers and brokers. It’s all about working with you to improve fraud prevention and closing the front door to fraud.


What have we done?

We’re already running fraud checks on our Personal Motor book* and Commercial Minifleet policies on Fast Trade and in the next few weeks, we’ll be making 2 improvements to our fraud prevention capabilities.


Small Business

From 21 November, we’ll be screening new business, mid-term changes and renewals for fraud, daily for our Fast Trade and iMarket products;

  • Office and Surgery
  • Pub, Restaurants and Hotel
  • Shop and Salon
  • Commercial Property Owners
  • Residential Property Owners
  • Manufacturing and Wholesale
  • Self Employed


Policy transactions are loaded into our fraud tool daily to screen for suspect or fraudulent risks and behaviour.  Our dedicated Policy Investigation Unit led by Karen Peck, Underwriting Fraud Manager at Aviva, will then investigate fraud referrals and take action to avoid proven or suspected fraudulent policies.


Personal Lines

From the 5 December we can check risks in real time for our personal and commercial motor products*. This means there are no delays in picking up fraudulent policies and they don’t enter our industry.


What are the benefits to me, the broker?

Let’s be clear: insurance fraud is a crime, is often linked to other organised criminal activity, and pushes up premiums for genuine customers.


In previous broker surveys, you’ve told us that insurers and brokers are on the same side and shouldn’t be in this to catch each other out. It’s about sharing our knowledge and collaborating in order to identify anyone who’s attempting to abuse our profession. We whole heartedly agree and this is exactly what we’re doing. By investing in processes like this, we can work together to demonstrate to fraudsters that, as an industry, we’re cracking down on fraud. 


Do I need to do anything differently?

This process is managed by us so you don’t need to do anything differently.  There will be no impact for you to the sales, mid-term change or renewal process. You’ll only be made aware of a suspected fraud issue during the underwriting referral process if we contact you for additional customer validation.


In the meantime, if you have any concerns about fraud related activity and the impacts it may have on your business please contact our Fraud Team at Our team will be keen to help you in any way they can. If you have ideas about tackling fraud in our industry, please just email


*Please note, Motorcycle risks aren’t currently included.

Post a comment

Please Log in to post a comment.

Log in to save this page to your favourites.