Making the appropriate enquiries

Fraud represents a massive and growing challenge to the insuranceindustry. It is extremely difficult to put exact figures on it, but it issafe to say that we are losing nearly £1bn a year because of concocted orexaggerated claims. Given the other pressures that are causing concernthroughout the market, this is clearly a problem we could do without.

But is the industry tackling fraud in the right way? Are we doing enoughto deter fraudsters? Are we at risk of souring relationships with

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