Motor Fraud
Any intentional act or accident by the owner of the insured vehicle to the vehicle or distortion or concealment of the claim documents, or and deliberately providing false information from the vehicle insurance cardholder, a third party, or a repair service provider, to obtain compensation or benefits, not due to them or others.
Examples of Motor Fraud
Motor Fraud is any intentional act committed by the insurance cardholder to obtain undue indemnities or benefits to him or to others through:
- fraud and/ or concealment of required documents and / or misrepresentation of information.
- Using the motor for an incorrect and false motor accident.
- Non-disclosing material facts that changed the accident course of verification
- Causing intentional damages to the motor such as burning or colliding a fixed object.
- Replacing the driver with someone who meets the policy requirements.
- Notifying the case as motor theft while it was not stolen.
- Falsification of official documents to submit the claim.
The policyholder's liability towards fraudulent transactions
- Inform the Competent Authority (Najm Company) of any manipulation in the description of the accident, or the replacement of the driver or any means of fraud
- Not colluding with the driver causing the accident to transfer responsibility to the person holding the insurance policy
- Immediately notifying the company when fraud has been discovered or suspected by any party
- Compliance with the terms of the policy.
- Cooperation with the company in cases of fraud.
Fraud detection mechanisms in motor insurance
- The presence of a unit specialized in fraud in the insurance of motors
- Implementation of an information system to detect and control fraud
- Cooperating with the competent authorities to manage and supervise the insurance of motors such as Al Muroor, Najm Company and Insurance Authority
- Providing communication channels for customers to report fraud, managed by the specialized anti-fraud unit team
- Awareness Messages on Motor Insurance Fraud
The Negative Impacts of motor fraud
- High premiums
- Cancellation of insurance policy
- Cancellation of retirement with the service provider (agency or repair shop) if it is the source of fraud
- Not receiving compensation
- Taking legal actions as opposed to the violator
Frequently Asked Questions
Motor insurance fraud is any intentional act committed by the insurance cardholder, repair providers or any party or facility to obtain undue indemnities or benefits to him or to others through fraud and/ or concealment of required documents and / or misrepresentation of information .
Fraud can occur from anyone involved in the motor insurance process, for example, insurance policy, repair and spare parts providers, or a third party involved in the accident Or company employees .
Using the motor for an incorrect and false motor accident. Replacing the driver with someone who meets the policy requirements. Non-disclosing material facts that changed the accident course of verification. Notifying the case as motor theft while it was not stolen. Causing intentional damages to the motor such as burning or colliding a fixed object. Falsification of official documents to submit the claim. Overestimating the cost of motor repair damage or participating in the accident .
As an honest and responsible person, you can be adversely affected by fraud in motor insurance in several ways. For example, you may experience: High insurance premiums. Not receiving compensation. Cancellation of the insurance policy. Legal action.Not benefiting from the discounts for the absence of the record of accidents
At Salama company, we continue to strengthen our systems and controls to ensure that fraud is detected, prevented and minimized on our honest customers like you. We also believe that it is the duty of everyone to help to confront fraud. Our actions include: The presence of a unit specialized in fraud in motor insurance. Implement an information system to control fraud. Cooperate with regulatory organizations such as al Muroor, Najm company or Insurance Authority.
It is a department inside Salama responsible for investigating fraud, misuse of the company's services and the discovery of potential operations with the help of special systems to identify and control fraud indicators. It also monitors suspicious transactions by motor insurance cardholders, customers, service providers and other parties. This unit also works in the investigation operations with the regulatory authorities such as Al Muroor, Najm, Administrative Investigation and Insurance Authority.
As an important member and a primary source to assist us in combating motor insurance fraud, you can participate in preventing these acts by reporting any suspicious activities, and Salama Company will work with you to complete all the procedures to deal with the reported case with complete confidentiality, and also ensure that the reporter is not subjected to any legal accountability in case the report is found to be untrue.
