How DCL Continues the Fight Against Fraud

At DCL, we remain firmly committed to detecting, deterring, and preventing fraud across our industry. Fraudsters continue to evolve their tactics, and we’re equally determined to stay ahead of them. Our proactive approach ensures we protect our customers, safeguard our business, and contribute to raising standards across the wider insurance landscape.

Our aim is clear:

Detect

Through data washes and intelligence sharing, we identify individuals and organised fraud groups linked to previous fraudulent activity or emerging trends that raise industry concern.

Deter

We work to discourage fraudsters from submitting spurious claims by implementing robust processes and collaborating closely with solicitors to investigate and repudiate.

Prevent

We ensure proven fraudsters do not go unchallenged or continue financial crime, whether through policy cancellations, financial cost orders, or prosecutions that may impact future employment, credit ratings, or even result in a criminal conviction.

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Case Spotlight: 3rd Party Misrepresentation / Exaggeration

What Happened?

The incident involved a third‑party motorcyclist who cut across our insured’s path, causing a collision. Liability was immediately disputed. However, our insured had dashcam footage capturing the third party performing the dangerous manoeuvre. It was evident that the third party was fully at fault, and there was nothing more the insured could have done to avoid the impact.

Despite this, the third party attempted to hold our insured responsible. Their letter of claim stated that he had been stationary when the policyholder allegedly drove into the rear of his vehicle, an assertion completely contradicted by the dashcam footage.

Soon after, we received an excessive credit hire claim. At this point, we escalated the matter to our Fraud Specialist Solicitors to conduct further investigations and defend the case in full.

What We Uncovered

Intel searches revealed two key findings:

• The third party had been away for two weeks during the hire period.
• His driver’s licence was fake.

These discoveries were presented to the claimant solicitors, with a request for their position within 48 hours, as we were prepared to make an Application to rely on the evidence at Trial.

Shortly afterward, the third party discontinued his claim, resulting in a significant saving of £42,000.