If you’ve recently received notice that your insurance company is investigating your claim, it’s completely natural to feel anxious or even alarmed. Whether it’s a car accident, injury or loss of property, being under investigation can feel like you’re being accused of something – even when you’ve done nothing wrong.
At M19 Solutions, we regularly support individuals going through insurance investigations, helping them understand what’s happening and how to protect their reputation. If you’re wondering why this is happening, what it means and what you can do about it, this guide will help.
Why do insurance companies investigate claims?
Insurance fraud costs companies billions every year – and unfortunately, this means even genuine claimants can come under scrutiny.
An investigation doesn’t necessarily mean you’re being accused of fraud. It’s often just part of a routine due diligence process, especially if:
- The claim is unusually large
- There are inconsistencies in the paperwork
- The insurer has flagged certain risk factors
- There’s a history of previous claims
- They’ve received anonymous tips or reports
In short, if your claim has raised any red flags – even minor ones – the company may assign a special investigations unit (SIU) to review the circumstances more closely.
What does an insurance investigation involve?
Insurance investigations in the UK can take many forms. Some common tactics include:
- Interview requests – asking for statements, documents, or clarification on your claim
- Surveillance – hiring private investigators to monitor your movements
- Social media checks – reviewing your online activity for contradictions
- Background checks – looking into employment history, financial situation, or previous claims
- Medical record reviews – in injury-related claims, insurers may request access to medical files
If the insurer has reasonable grounds, these steps are often legal – but they still need to follow data protection laws and act fairly.
What should you do if you’re under investigation?
If your insurer is investigating you, the most important thing is to stay calm and cooperative – but also protect your own interests. Here are some practical steps:
- Get everything in writing – Ask for written communication outlining what the insurer is requesting and why. This keeps a clear record.
- Don’t lie or exaggerate – If you’ve made a genuine claim, stand by it. Providing false information will only worsen the situation.
- Limit your social media – Even innocent posts can be misinterpreted. It’s often wise to restrict access or pause posting until the case is resolved.
- Seek legal advice – If you feel you’re being unfairly treated or accused of fraud, consult a solicitor specialising in insurance law.
- Hire a private investigator – If you believe the insurer is acting improperly, a professional investigation can uncover whether you’re being watched, help you document harassment or prove your side of the story.
How can M19 Solutions help?
At M19 Solutions, we’ve supported many individuals in Greater Manchester and beyond who felt trapped or targeted during insurance investigations. Our team includes ex-police and military personnel with extensive experience in surveillance detection, background checks, and counter-investigation.
We can help you:
- Confirm whether you are under physical or digital surveillance
- Review your case for signs of misconduct
- Collect evidence to defend your claim
- Advise you on how to respond to the insurer’s actions
Insurance investigations can feel invasive – but you don’t have to go through it alone. With M19 Solutions on your side, you’ll have the expertise and discretion you need to protect your reputation and get the answers you deserve.
Expert support when you need it most
Being investigated by your insurance company can be stressful, but you’re not powerless. Speak to our discreet and professional team today to find out how we can help you through the process with clarity, confidentiality and confidence.
Reach out to M19 Solutions today for a confidential consultation. Call us on 0161 706 0057 or email info@m19solutions.co.uk.
