Over 40 years of experience
Investigating & Validation of insurance claims
While the majority of insurance claims are legitimate, the United Kingdom continues to see a troubling rise in fraudulent claims across the entire insurance industry. These false claims not only cost insurers billions each year but also contribute directly to increased premiums for honest policyholders.
Personal injury claims—particularly those resulting from road traffic collisions—often involve substantial compensation. Similarly, claims for property damage can involve significant financial payouts. The growing number of fraudulent claims puts strain on the system and impacts us all.
Since 1985, JC Associates Investigative Services has played a key role in uncovering fraudulent insurance claims. Our experienced investigators are highly skilled in validating legitimate claims and identifying suspicious or deceptive activity. With a deep understanding of fraud indicators and industry protocols, we provide insurers with reliable, detailed, and actionable evidence.
Protect your business—and your clients—from the cost of fraud with our trusted investigative support.
Claim validation & Fraud prevention
Not all suspicious claims appear fraudulent at first glance. Often, insurers have no immediate reason to doubt the legitimacy of a claim. However, it remains the insurer’s responsibility to verify that every aspect of the claim is accurate and substantiated.
Fraud can take many forms—some subtle and others more overt. A policyholder may attempt to claim compensation that exceeds the actual value of an item or for damages that never occurred. In personal injury cases, it is not uncommon for claimants to exaggerate the extent of their injuries, or in some cases, to claim for injuries that never existed.
At JC Associates Investigative Services, we help insurers fulfil their duty of due diligence by conducting thorough, discreet investigations that confirm the validity of claims and detect any attempt to mislead or defraud.
Stopping the insurance fraudster
The private investigators at JC Associates Investigative Services have spent many years combating insurance fraud and supporting insurers with high-quality, court-admissible evidence. Our investigations have uncovered numerous instances where claims, particularly for personal injury, have been either grossly exaggerated or entirely fabricated. Our detailed evidence reports have played a crucial role in having claims significantly reduced or dismissed altogether. We understand that successfully challenging a fraudulent claim, especially one involving alleged injury, requires a high standard of proof. That’s why our reports are meticulously prepared in a format suitable for court proceedings, providing a clear, factual account of observations, supported by high-resolution photographic and video evidence.
We believe that a professionally compiled report, accompanied by compelling video surveillance, can often be enough to discourage fraudulent claimants from pursuing their deception any further.
We investigate the following range of insurance claims:
Personal Injury Claims Investigations
At JC Associates Investigative Services, we have extensive experience investigating personal injury claims and identifying fraudulent activity. Over the years, we’ve seen just how far some claimants will go to exaggerate or fabricate injuries in pursuit of financial compensation. In many cases, claimants attempt to maintain the appearance of a serious injury in public. However, as time passes, they often resume normal physical activities that contradict their alleged injuries. This is where professional surveillance can make a critical difference.
Our skilled investigators are trained to observe and document inconsistencies between reported injuries and the actual behaviour of a claimant. Whether a claim is genuine, exaggerated, or entirely false, we gather clear, impartial evidence, including detailed reports and supporting video footage, that can significantly impact liability assessments.
At all times, JC Associates operates with discretion, professionalism, and full legal compliance. We understand that poorly handled investigations can be used by fraudulent claimants to allege harassment or invasion of privacy. That’s why we maintain the highest ethical and procedural standards to ensure the evidence we provide is credible, admissible, and beyond reproach.
Property Theft
At JC Associates Investigative Services, our personnel have extensive experience in criminal investigations, with a particular focus on property theft. We conduct thorough inquiries into all types of theft, whether from residential, commercial, or corporate settings.
Wherever possible, our investigators gather clear, admissible evidence to support potential prosecutions. When required, our private detectives are fully prepared to present and prove their findings in court, ensuring that the evidence stands up to legal scrutiny and contributes effectively to the judicial process.
Motor Claims Investigations
At JC Associates Investigative Services, we offer comprehensive investigation services for road traffic collisions from the moment they occur. Our goal is to establish clear liability and provide insurers and legal teams with the evidence needed to make informed decisions. We provide: Expertly recorded witness statements, Detailed locus reports and scene sketches, and High-quality photographic and video evidence. Our experienced team ensures that all facts surrounding the incident are thoroughly examined and documented with precision.
Recovering Costs from Losing Plaintiffs
Defending against a personal injury claim can result in substantial legal costs for insurers. While such expenses may be accepted when liability is genuine, they are entirely unacceptable when the claim is false or fraudulent. Too often, losing plaintiffs in fraudulent cases assume they will not be held accountable for these costs. However, there is a growing trend among insurers to actively pursue the recovery of legal expenses from unsuccessful claimants, and rightly so. We believe this should become standard practice across the insurance industry. At a minimum, a debt judgment should be registered against any plaintiff found to have made a false or vexatious claim. This alone can serve as a powerful deterrent to those considering fraudulent action.
While some individuals may claim they lack the means to pay such judgments, many have sufficient income or assets to satisfy the debt. At JC Associates Investigative Services, we provide detailed financial status reports that assess a claimant’s income, assets, and overall ability to meet a legal judgment. These reports can help the insurer make the correct decision before committing further resources toward the cost of recovery.
