Glen Marrdetails for the policyholder unknown,the consumer will not receive duenotice from the insurer and they willcontinue to drive, uninsured. Thisclearly brings risks to the policyholderand the insurer.Ghost broking is affecting privatemotor insurers across the industry.The Insurance Fraud Bureau ishelping insurers detect ghost brokingand the recently formed PoliceInsurance Fraud EnforcementDepartment has a role to play.However, effective fraud managementcentres on a combination ofprevention and detection, and forghost broking the former isparamount. At 1stCentral, we view fraudprevention as an integral feature ofmaintaining competitive premiums forour customers. For ghost brokers, thisincludes successfully stopping themsecuring cover in the first instance."Ghost Broking" - the new threatGlen Marr joined First Central Insurance Management in December2011 as its first Director of Fraud - to drive holistic fraud preventionenhancements across the business. He entered the insurance industry in Sydney, Australia in 1989, joiningNRMA Insurance in a fraud role after a career as a police officer. Onreturn to the UK, he held the role of Specialist Investigator for GeneralAccident, followed by Claims Fraud & Investigations Manager for Zurich,and Vice President Financial Crime, Chartis UK. His most recent role was that of Director of the Insurance Fraud Bureau,where his achievements included implementing a materiallystrengthened IFB; securing a prominent media profile for the IFB;encouraging industry efforts to tackle organised motor fraud; anddeveloping future IFB strategy.Alongside his roles, he has been involved in the establishment of the Cityof London Police Insurance Fraud Enforcement Department and theInsurance Fraud Register. He sat on the ABI Financial Crime Committee,the former ABI General Insurance Anti-Fraud Committee, andrepresented the industry on the Police Economic Crime Portfolio. Ansvar's ethical insurance now at the click of a mouseWe work in close partnership with you, our brokers and we like to easy as possible. Our latest online innovation makes it even more simple to popular products at the click of ...direct to your customers ...direct from your Don't worry - our full range of insurance products for the not-for-connected individuals are still available in the more Ansvar Web Sales features:????????User-friendly????????Your customers can go on-cover in real-time????????Secure, full enquiry access for quotes and new business information????????Look and feel personalised for you????????Ability to save quotes for future reference.Click to ConnectBusiness division of: Ecclesiastical Insurance Office plc Registered Office: Beaufort House,Brunswick Road, Gloucester GL1 1JZ Registered No. 24869 England All content © Ecclesiastical Insurance Office plc 2011Member of: Association of British Insurers (ABI), Financial Ombudsman Service (FOS) Authorised and Regulated by the Financial Services Authority (FSA)We specialise in understanding the needs of the not-for-profit sector and connected individuals.We're just a phone call away Our online services are backed up by our continuing commitment to personal service.Ansvar Insurance, Ansvar House, St. Leonards Road, Eastbourne, East Sussex,BN21 3UR Tel: 0845 60 20 999 or 01323 737541 Email: ansvar.uk Use this QR Code and your smart phone go direct to our website.To find out more visit www.ansvar.co.uk Ctal insurancekofamousenership oumake your life as eaonlineinnovationmsell our five most pof a mouse...tomerswebsiteConnecurasymakesopularAnsvarWeb fea????Yourcustomerscan goon??accessandnewbusiness informa??Lookandfeel personalised??quotesforctWespecialiseinunderstandingatures:n-coverinreal-s quotesationdfor gwebsite.rangeofinsurance p-profit sector and coalsarestillavailableie traditional way. nsvarInsurance,AnsvarH.LeonardsRoad,EastbouastSussex, BN213URel:08456020999or0132mail:ansvar.insurance@anproductsonnectedintheBusinessdivisionof:EcclesiasticalInRegisteredOffice:BeaufortHouse, GloucesterGL11JZRegisteredNoplcMemberof:AssociationofBritishInsuFinancialOmbudsman Service(AuthorisedandRegulatedby theFinanneedsof thenot-profitsectorandconnectedindividuaouse, rne,23737541svar.co.ukTofindoutmorevisitsuranceOffice plcBrunswickRoad,.24869Englandc rers ncialServicesAuthority als.andyoursmart phoneapp to godirecttoourwebsite.tMARCH 2012 insurancepeople15

With the car insurance industry increasingly coming under fire for hikes in premiumsand failed applications, many consumers are asking for the rationale behind thesechanges, and questioning why their applications for car insurance are beinginterrogated, or turned down. Martyn Holman explains why due diligence at the front end of the motor insuranceprocess is not only essential for insurers to create a lower loss ratio, but will also passsavings onto drivers in the long runchanged are nonetheless payingincreased premiums as a result ofthese outside factors. Personal injuryclaims for afflictions such as whiplashhave also impacted this steepincrease in premiums. In fact,according to recent figures from theInsurance Fraud Bureau the averagenumber of claims per accident hasrapidly increased from 1.2 to 1.6 inrecent times. Factorfiction?In reaction to this, many driversare now committing fraud to offsetheavier insurance costs, andengineering their application to givelower premiums. The advent ofinternet application has made thisprocess much easier, compared tothe face-to-face interview of ten yearsago. Many applicants use the onlineform to 'trial and error' differentMartynHolmanCHAIRMAN OF BRIGHTSIDE BROKINGBRIGHTSIDE GROUPmotorThe car insurance industry hascome under the spotlight recentlydue to soaring insurance premiums ata time when drivers are alreadystruggling with increased fuel prices,and fighting to keep their cars on theroad. Conversely, the industry is alsopaying out more for personal injuryclaims related to traffic accidents.This impact has contributed to thehike in premiums. In addition,insurance application fraud is at anall-time high.Inflation and increased personalinjury claims have played a key role inthe increase of insurance premiums,a well-documented grudge purchasewhich causes frustration among manydrivers. It's no secret that many driverswho have not made recent claims,and whose circumstances have notcombinations of responses toachieve the lowest possible quote. Acommon example is dishonestyabout overnight parking. Our own research, which weconducted as part of our 'Truth orDare' campaign which commenced in2011, revealed that the most commonareas where people were dishonestwas in failing to disclose previousaccidents and convictions, and beinguntruthful about the ownership andlocation of the vehicle being insured. This kind of fraud has a seriousimpact on the risk ratios insurerscarry, and further trouble down theline when a wrongly insured driverhas a serious accident, or evenworse, causes a fatality. All theseoccurrences result in insurers payingfees associated with court cases andcriminal investigations, the cost ofwhich drives up the overall premiums,penalising innocent, honest drivers. Ariskybusiness It's vital that insurers areconfident that they are insuring therisk they have in front of them, andthat the data is accurate. Since 2009the insurance market has been in aTheapplicationofdishonesty"The shift of duty from consumer to insurer consolidates the argument for in-depth validation "16 insurancepeopleMARCH 2012