Insurance fraud investigation tools for New Zealand teams

Most questionable claims are not exposed by a single dramatic finding. They are exposed by small inconsistencies that only become visible when several licensed sources are read together: an insured address the claimant has not been associated with for two years, a property held by a trust rather than the named insured, a security interest registered over the item said to be owned outright, or an insolvency event that gives the loss an uncomfortable motive and timing.

Each of those checks is available separately, which is exactly the problem. A claims handler working within service standards will not run five separate provider searches on a moderate-value claim, so the inconsistency is never surfaced and the claim is paid or declined on incomplete information. intelID returns identity and address data, property and title ownership, PPSR registrations, company and director records and insolvency events from one enquiry, which puts the check inside the handler's normal cycle time rather than outside it.

For special investigation units the same consolidation shortens the front end of a file. Related entities and directorships are visible immediately, so connections between a claimant, a supplier and a repairer can be tested before an investigator is instructed. No result should be treated as a determination of fraud: it is licensed information that supports the decision an assessor or investigator makes.

Insurers carry privacy obligations across a high volume of enquiries made by staff under time pressure, and credit reporting information carries the additional obligations of the Credit Reporting Privacy Code 2020. The risk is not usually a deliberate misuse. It is an enquiry made on a file where the purpose was never articulated, discovered later with no record to explain it.

intelID requires an authorised-purpose declaration before results are returned on every search, then logs that declaration with the user, the timestamp and the sources queried. Role-based access separates underwriting, claims and investigation reach. The log is immutable to the user who created it, so an internal audit, a Privacy Commissioner enquiry or a complaint from a claimant can be answered from evidence.

Subject data is not used for marketing, is not resold, and is never exposed to public indexing. Hosting is on Google Cloud Platform with encryption in transit and at rest, and the vendor security programme is benchmarked to SOC 2 Type II providers. Detail sits on the security page and the compliance page.

The enquiry order reflects how a claim is actually tested. Every source and its legal basis is listed on the data sources page, and pricing is a monthly subscription plus a per-search fee, published on the pricing page.