Travel insurance, scam you believe it?

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Nearly half (49%) of all Brits say travel insurance fraud must be stopped, with 3 in 10 saying companies must use technology to weed out fraudulent claims. Those are the findings from a new online YouGov survey commissioned by travel insurance technologists, Aquarium Software.

Mark Colonnese, sales & marketing director, Aquarium Software.

Scams risk raising premiums, but the power to validate data quickly ensures apps will promote honesty as the best policy by far

The revelations come amid a 500 percent increase in compensation claims for sickness by British holidaymakers; additionally, one in five backpacker claims are submitted in the last few days of a trip. Technology is set to turn the tide on those travellers tempted to cheat abroad.

The latest insurance platforms allow insurers to authenticate claims quickly, thus acting as a powerful anti-fraud tool; while the consumer is set to benefit from an improved customer journey; simplified small print; and lower premiums. “Fraudulent claims are bad news for policyholders and the industry alike, but with sickness compensation payouts of up to £2,000, you can see why some may be tempted,” said Aquarium Director, Mark Colonnese. “In the current economic climate, it’s a trend that’s perhaps likely to continue; but with consumers calling for a fraud clampdown, and a 3 in 10 in favour of using better tech to do it, smart apps are one way a better deal can be achieved for all.”

Five percent agreed that premiums are so high that everyone does it (fraud) occasionally, with 13 percent of 18-24 year olds agreeing – perhaps indicative of ‘backpacker blagging’ claims. 10 percent of families with three or more children also agree, at twice the national average - suggesting that cost, relative to affordability, may be the greatest temptation to cheat.

“When fraud goes on tour, it does not stay there, as technology now means a criminal record and tears for souvenirs,” added Colonnese. “Scams risk raising premiums, but the power to validate data quickly ensures apps will promote honesty as the best policy by far,” he concluded. As 20 percent never had insurance and 69 percent never made a claim, fraud figures must be kept in perspective. The public accepts fraud cutting technology and the industry must accept cutting small print that some may perceive can be used to refuse genuine claims. Finding yourself in an unexpected corner thousands of miles from home makes insurance essential, and apps can help protect holidaymakers with useful local information, while helping insurers identify potentially false claims; a win-win for all.

Aquarium Software is used by a number of travel insurers; pet insurers; and other consumer service providers and affinity partners in the UK, Europe, USA and Canada. For further information contact Aquarium Software on +44 (0)161 927 5620 or visit

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Jon Gardner
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