"Close to a half billion crowns. So much so refused insurance companies to pay out because of suspected fraud in 2018. But there is believed to be great – insurance fraud is estimated to cost between three and six billion annually."
"Last year, the Swedish non-life companies 7 462 fraud investigations. As a result of this was denied the policyholders money for damages worth 480 million – the damage was judged to be fraud. This according to a new report released by the industry emergency service AB and the Swedish Insurance."
"We've had a trend where we have moved more and more towards direct settlement of claims via the internet, where I can find that man has taken it a step too far," says Mats Galvenius, president of the emergency services."
"insurance fraud seems to take place, in particular within the motorförsäkringar and home insurance," he says."
"– The most common is that the policyholder cannot prove that it actually happened something. You're lying if that damage occurred – say for example you have been robbed of something that, in fact, botched away."
"In the motorförsäkringar amounted last year revealed the fraud to a value of 145 million. Something that costs insurance companies a lot of money and arranged road accidents, " says Galvenius."
"– A fairly typical case is that buying cheap, used cars with broken engines, but insuring them for full value. Then the clash to the cars to get money."
"the Report shows that gender, age and geography seem to play a role when it comes to the propensity to commit insurance fraud. Men are clearly over-represented in the statistics and constitute almost 70 per cent of the fraudsters, as well as people born in the 1980s and 1990s, and residents in the Skåne and Stockholm county."
"Mats Galvenius says that insurance fraud will never go to prevent completely, but that the insurance companies would be able to avoid a large part by working more with their conditions. But the most important thing is to change the attitude towards fraud among ordinary people. In conjunction with the new report, conducted a survey that showed that nine out of ten people see insurance fraud as a serious crime. It shows a positive development, " says Mats Galvenius."
"– the Decepticons need to understand that they are charged to the innocent by their crimes. The higher the percentage of fraud, the higher the premiums. It means that you are committing collective fraud."
"The most common reason that insurance companies decline the payment of compensation is that it is not proved that the damage occurred (41 per cent)."
"Other common causes are that the policyholder provided false information upon conclusion of the insurance (21 per cent) and that the damage is arranged (12 per cent)."
"In 2018 carried out the Swedish sakförsäkringsbolagen 7 462 fraud investigations, which resulted in the insurance companies declined the damage to a value of 480 million. But the number of unknown cases is estimated to be large. Estimated insurance fraud to cost around 3-6 billion."
"It is primarily in the home, villa, travel and the engine damage that the insurance companies reveals attempts at fraud. Within the home-, villa-, and reseskador unveiled in 2018, the suspected fraud to a value of 159 million. Within the engine damage was revealed the suspected fraud to a value of 145 million."
"Sources: the Swedish Insurance and Larmtjänst AB"