What we can do for you

We believe our reporting procedures differentiate us from other insurance investigation and assessment companies. During the reporting stage, emphasis is placed on the following points:

• Insurer documentation: Copies of the proposal and policy are obtained and studied to obtain an overview of the Insured and risk under investigation. During the course of our inquiries, we remain mindful of the detail in this documentation, seeking verification as to the accuracy of disclosure.
   
• Claims history: Database searches seeking claims history is obtained using the Insurance Reference Service and information provided by the Insured on proposal and claim documentation.
   
• Circumstances: Formal interviews with the Insured and relevant third parties are undertaken to establish the circumstances of the claim. The circumstances surrounding the claim are then checked through an examination of transcripts and documentation obtained during the course of the investigation. In the event that any discrepancies are established, further investigations are undertaken to clarify the issues.
   
• Examination and canvass of scene: A thorough physical examination and canvass of the scene is undertaken seeking information from independent sources to establish whether any witnesses to the event exist or any person has knowledge relevant to the investigation.
   
• Police / driving history: Police reports are obtained to ensure that the matter has been reported as required under the policy. If appropriate, interviews are undertaken with attending officers. In relation to motor vehicle claims, relevant driving histories are obtained via the RTA using the appropriate authority prior to the formal interviews. Any areas of non-disclosure revealed in these records are addressed during interview.
   
• Examination of financial records: Seeking a financial motive and/or to confirm the Insured’s financial circumstances formal/informal interviews are undertaken (utilizing an executed authority). We also undertake various database searches concerning this aspect.
   
• Non disclosure: From the detailed evidence and circumstances provided during the course of the investigation, any non-disclosure issues are highlighted. Where appropriate and in consultation with the insurer, these issues are raised and addressed during the course of the interview. The Insured is also asked to read and adopt the proposal document as being true and correct.
   
• Recovery: Recovery is closely addressed and all possible sources considered.
   
• Database searches: Using our own ‘on line systems’, we carry out various database searches seeking claims history. Searches available include Insurance Reference Service, Australian Population Index (Electoral Roll) and Australian Securities Commission (Company, Director and Business searches). We also maintain our own database and input and monitor all contracted investigations. Our system allows the business to set and maintain concise targets.
   
• Follow up systems ensure the timeliness of investigations and reporting, and keep us mindful of due dates; all work is monitored throughout the investigation process.