Fraud Warning

Garentii is committed to fighting fraud as excessive fraud could cause premium levels to increase and hinder our service to our clients. We have internal control measures in place for signaling, avoiding and fighting fraud committed by customers, employees, partners, vendors and/or other service providers. We work actively to prevent fraud by using our insight and experience in cooperation with authorities and other relevant stakeholders for the mutual benefit of the insurance collective. This is how we prevent you and other clients from becoming victims of dishonest behavior.

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We check and investigate every claim. If we think something is not right about your claim, we will investigate it further. To do this, we may collect, record and check your data. We may ask you for additional information and explanation. We may also use an investigation agency to investigate suspected fraud.

If we establish that fraud has been committed, we may, for example, decide to take action including but not limited to:

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• Not accept insurance or cancel existing insurance
• Alter the insurance contract
• Reject the claim or decrease the claim compensation
• Reclaim an insurance payment madeIssue a warning (including stricter checks)
• File a police reportReclaim investigation costs
• Register the incident in internal or external fraud databases

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The person involved will be notified of our position and which measures we will be taking. In such cases, the person involved may request access to the files or challenge the decision by sending at compliance@garentii.com. In order to check the identity of those involved and to prevent unauthorized parties from accessing the data, we may verify your identity.