Protecting your premiums by preventing fraud 

At Budget Insurance we are committed to preventing fraud. We investigate every case thoroughly so that the fraudsters don’t benefit.

What do we do?

We collect information from across the industry and from law enforcement agencies to identify fraudsters and fraudulent activity.

For example, we validate your identity, we check your proof of No Claims Discount as well as checking your claims history.

How do we do it?

We use the information gathered to check our databases and to identify fraudsters, using the latest technology and data available. We cross reference internal and external databases as well as speaking to other insurers to validate certain information.

Why do we do it?

To improve our security measures, protect our customers and their personal data and to prevent fraud.

Application checks

Failure to disclose accurate information about yourself and your circumstances could invalidate your insurance and your ability to obtain insurance in the future. It is essential that you honestly disclose all relevant information. Remember We/ The Insurers/ Re-Insurers do make checks on the information disclosed and can identify fraudulent behavior.

No claims discount

We check every No Claims Discount document that’s sent to us. If we find one that’s fake or been falsified, the premium will probably increase or the policy might even be cancelled.

Claims checks

Our claims checking procedures help to stamp out fraud so you’re not paying the price for the actions of a small minority.

When do we check claims?

We can carry out claims checks at any point in the policy purchasing process, and even after payment has been made.

What claims do I need to tell you about?

You need to tell us if you or anyone else named on your vehicle insurance policy have made a claim for damage, loss or liability in the last five years. We also need to know if you decided not to make a claim for the loss – for example if your vehicle or property was damaged but you chose not to make a claim.

We want to make sure that if you have to make a claim you have the best chance of being reimbursed for any loss/damages. If you don’t mention a previous claim, you could invalidate your insurance, your premium could increase or your policy could be cancelled. To tell us about a previous claim, you can call our Customer Service Team on 0344 412 2124. We are open Monday to Friday 8am-9pm; Saturday 9am-5pm; Sunday 10am-4pm. To make a new claim, you can call our dedicated claims line on 0344 412 2129, the line is open 24 hours a day for your convenience.