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Motorbike Insurance Fraud Protection

Bennetts is committed to preventing fraud. We know how frustrating it can be when the actions of a few lead to negative consequences for everybody else. Fraudulent activity by just a small minority, can lead to widespread inflated insurance premiums. That’s why we investigate each case meticulously – so the fraudsters don’t profit!


What we do: Investigation

We collate as much information as possible from across the industry, and work with law enforcement agencies to identify fraudsters and fraudulent behaviours.

This process also includes us validating your identity, checking your proof of no claims discount and any previous claims history.


How we do it: Research & identification

We work hard to identify fraudsters. Using the latest technology and all of the data at our disposal, we cross reference internal and external databases, and work closely with our insurers to validate information. So if your information doesn’t stack up –we’ll identify you.


Why we do it: The right thing to do

Because it’s the right thing to do! We will continually strive to eradicate motorcycle insurance fraud and ensure you get our best price possible.


Application checks

To this end, if you fail to disclose truthful, up-to-date insurance related information about yourself and your circumstances, it could invalidate your insurance as well as your future ability to obtain insurance. It is essential that you honestly disclose all relevant information. We check all information thoroughly and will identify fraudulent information.


No claims discount

We check every no claims discount declaration thoroughly. Finding one that is fake, or has been falsified, will result in us either increasing the premiums or cancelling the policy completely.


Claims checks

We have claims checking procedures in place that allow us to stamp out fraud, meaning you don’t end up paying a larger premium for the actions of the small minority of fraudulent insurance applications.


When do you check claims?

We have claims checking procedures in place that allow us to target and stamp out fraud, meaning you don’t end up paying a larger premium for the actions of the small minority of fraudulent insurance applications.


What claims do I need to disclose?

You must inform us about any claim for damage, loss or liability that has happened on your vehicle in the last 3 years – even if it wasn’t you that made the claim. Similarly, if you decided not to make a claim for a loss (such as if your vehicle or property was damaged), you must tell us about that too.

We want to ensure that if you end up having to make a claim you will be paid. Failing to disclose a previous claim could invalidate your insurance, increase your premium or lead to cancellation of your policy.


Beware of ghost brokers

Ghost brokers are professional fraudsters selling forged or invalid discounted insurance policies to unsuspecting consumers. They usually advertise their services online/social media or within local communities, typically claiming to be able to secure you a cheap motorbike insurance policy.

How they operate

Ghost brokers usually operate in one of two ways:

Forged policy documents:

  • They forge policy documents and sell them to you, while pretending to work for, or act on behalf of, a legitimate insurance company.

Manipulation of real policies:

  • They purchase a real policy from a legitimate insurance company, but they change important information about you, such as your age, driving experience, no claims history, etc. in order to bring the price of the policy down. The ghost broker then sells the policy to you, and charges you a fee for doing so.

Read more about ghost brokers