Fraud in Motor Insurance

Motor Insurance Fraud is any intentional act committed by the insurance cardholder to obtain undue indemnities or benefits to him or to others through fraud and/ or concealment of required documents and / or misrepresentation of information.

Forms of Motor Fraud

  • Using the motor for an incorrect and false motor accident.
  • Non-disclosing material facts that changed the accident course of verification.
  • Causing intentional damages to the motor such as burning or colliding a fixed object.
  • Replacing the driver with someone who meets the policy requirements.
  • Notifying the case as motor theft while it was not stolen.
  • Falsification of official documents to submit the claim.

The negative impact of motor fraud

  • High premiums.
  • Cancellation of insurance policy.
  • Cancellation of retirement with the service provider (agency or repair shop) if it is the source of fraud.
  • Not receiving compensation.
  • Taking legal actions as opposed to the violator.
  • Take action to impose legal sanctions from the competent authorities.

Fraud detection mechanisms in motor insurance

  • The presence of a unit specialized in fraud in the insurance of motors.
  • Implement an information system for fraud detection and control.
  • Cooperating with the competent authorities to manage and supervise the insurance of motors such as Al Muroor, Najm Company and SAMA.
  • Assign a fraud reporting email managed by the team of the competent anti-fraud unit.

Your role in preventing motor insurance fraud

  • Inform the Competent Authority (Najm Company) of any manipulation in the description of the accident, or the replacement of the driver or any means of fraud.
  • Not colluding with the driver causing the accident to transfer responsibility to the person holding the insurance policy.
  • Immediately notifying the company when fraud has been discovered or suspected by any party.

Your reward for reporting motor insurance fraud

Tawuniya Insurance Company has issued a special regulation to reward individuals who report suspected fraud claims for motor insurance that can be proved to be fraud or misuse.

Channels for submitting motor claims:

You can report motor insurance fraud by one of the following means:

  • Call Center 9200 19990 or the Compensation Review Unit directly.
  • Email: mot_frd_grp@Tawuniya.com.sa
  • Company website (using the following reporting form)

Report Motor Fraud

Frequently Asked Questions (FAQs)

Motor insurance fraud is any intentional act committed by the insurance cardholder, repair providers or any party or facility to obtain undue indemnities or benefits to him or to others through fraud and/ or concealment of required documents and / or misrepresentation of information.

Fraud can occur from anyone involved in the motor insurance process, for example, insurance cardholders, repair and spare parts providers, or a third party involved in the accident.

It is important to distinguish between motor insurance fraud and accidental mistakes. In fraud, a person intentionally deceives the company by misrepresenting the material facts, or failing to disclose the information required, resulting in material damage to the company, its customers and partners in one form or another.

In contrast, mistakes are made by people when providing incorrect information without their knowledge, unintentionally and without deception.

For this reason, Tawuniya recommends that everyone should consult the motor insurance brochures and visit the company's social media accounts for more information on the optimal use of Tawuniya's motor insurance policies.

  • Using the motor for an incorrect and false motor accident.
  • Replacing the driver with someone who meets the policy requirements.
  • Non-disclosing material facts that changed the accident course of verification.
  • Notifying the case as motor theft while it was not stolen.
  • Causing intentional damages to the motor such as burning or colliding a fixed object.
  • Falsification of official documents to submit the claim.
  • Overestimating the cost of motor repair damage or participating in the accident.
As an honest and responsible person, you can be adversely affected by fraud in motor insurance in several ways. For example, you may experience:
  • High insurance premiums.
  • Not receiving compensation.
  • Cancellation of the insurance policy.
  • Legal action.
  • Not benefiting from the discounts for the absence of the record of accidents.
At Tawuniya, we continue to strengthen our systems and controls to ensure that fraud is detected, prevented and minimized on our honest customers like you. We also believe that it is the duty of everyone to help to confront fraud. Our actions include:
  • The presence of a unit specialized in fraud in motor insurance.
  • Implement an information system to control fraud.
  • Cooperate with regulatory organizations such as Al Muroor, Najm Company or SAMA.
It is a department inside Tawuniya responsible for investigating fraud, misuse of the company's services and the discovery of potential operations with the help of special systems to identify and control fraud indicators. It also monitors suspicious transactions by motor insurance cardholders, customers, service providers and other parties. This unit also works in the investigation operations with the regulatory authorities such as Al Muroor, Najm, Administrative Investigation and SAMA.
As a valuable member and a key source to help us fight motor insurance fraud, you can participate in preventing these acts by reporting any suspicious actions, and Tawuniya will work with you to complete all procedures to deal with the reported situation.
Yes, Tawuniya pays a financial reward to those who report fraud cases that are established and verified in accordance with the company's reward policies and procedures.
Thank you for this noble act, you can deposit the amount in the discharge account opened by Tawuniya with Al-Ahli Bank with the account number (SA9410000062511338000105) without the need to disclose your identity or the amount number.

You can report motor insurance fraud by one of the following means:

Top