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Protecting Our Customers

Here at Kitsune Associates, we have a zero tolerance approach to fraud and our goal is to protect our genuine customers from fraudsters.


According to the Association of British Insurers (ABI), insurance fraud adds an extra £50 to the insurance bill of the average household and in 2016, insurers detected 125,000 dishonest insurance claims valued at £1.3 billion, this does not include policy fraud or the amount of fraud that goes undetected each year. This is why it is important to us that we have strong measures in place to prevent, detect and combat fraud to protect our customers and refuse to let fraudsters get away with it.

What is Fraud?

There are two main types of Fraud:

Application Fraud

Application Fraud occurs when a policyholder or applicant either misrepresents or deliberately fails to disclose material facts at policy inception for financial gain. This can include (but is not limited to):

  • Failure to tell us about previous motoring or criminal convictions, motor claims or any previously cancelled or voided insurance policies
  • Falsely claiming to have acquired a greater entitlement of No Claims Discount
  • Taking out a policy with no intention of paying. This could be using own and/or stolen payment details
  • Disclosing inaccurate or incorrect details about the policy or claim.

Claims Fraud

This is simply any kind of Fraud that involves a claim. This includes (but is not limited to):

  • Fictitious losses, incidents or injuries – A claim that is submitted for a loss or incident that did not occur.
  • Material misrepresentation or exaggeration of a claim loss or personal injury – A genuine loss or incident has occurred but the claimant deliberately misrepresents or exaggerates the extent of the claim for financial gain.
  • Providing inaccurate information about an incident or claim – this can include the events leading to the incident or claim, persons involved, witnesses and circumstance.

How Do We Stop Fraud?

We check external fraud prevention agencies, databases and undertake credit searches at:

  • Application stage
  • At the inception date of the policy
  • If the policy is amended or changed at any point
  • When a policy is due to renew or is renewed
  • When a claim is made

We may ask for documents to be sent in for verification, this will include but not limited to the following:

  • Vehicle registration certification (V5C)
  • Driving licence photo licence 
  • My Licence reference code 
  • Proof of residency at an address
  • Proof of the No Claim Bonus being claimed on the policy

When purchasing, amending and renewing your insurance, you must take all reasonable care to answer all questions honestly and to the best of your knowledge and not make a misrepresentation to us. If you deliberately or recklessly answer the questions inaccurately or otherwise misrepresent the proposed risk we:

a. May avoid or cancel the policy and refuse all claims; and
b. Need not return any of the premium except to the extent (if any) that it would be unfair to retain it

Useful Information

If you have any information regarding a fraudulent Kitsune insurance policy or claim please email our dedicated team:

If you suspect any type of fraud you can contact Action Fraud on 0300 123 2040 or visit their website www.actionfraud.police.uk

Genuine customers can rest assured that we are doing everything in our power to detect fraud and act quickly and effectively to help drive down the cost of your insurance.

For information about how we use your information to prevent and detect fraud please refer to our Data Protection Notice by clicking here