Claims Fraud

Did you know that insurance fraud imposes additional costs on honest policyholders? Insurance premiums are calculated on risk. So fraud is really a cost to our local community and to every policyholder.

While we focus on paying claims, as a responsible community insurer we also manage levels of risk to control premium costs and to protect honest policyholders. The majority of claims are legitimate, a small number are suspicious and are referred through to investigators for further analysis.

The good news is that community perceptions are changing. People who do the right thing don't want to subsidise fraudulent claimants.We're encouraging the community to help prevent insurance fraud.


You can help. How to report insurance fraud

Email us at

National Fraud Hotline
0800 372 835 (0800 FRAUDLINE)

Fraud Manager
Box 2194, Shortland St,

Auckland 1140

Unlike most other insurance brands, Lloyd’s is not a company, it’s a market where members join together as syndicates to insure and reinsure risk. Lloyd’s is the world’s specialist insurance market, conducting business in over 200 countries and territories worldwide – and is often the first to insure new, unusual or complex risks. Lloyd’s bring together an outstanding concentration of specialist expertise and talent, backed by excellent financial ratings which cover the whole market.


As at 31 December 2015 the Lloyd’s market consisted of 59 managing agents and 97 syndicates.

Standard & Poor’s has assigned the overall Lloyd’s market an insurer financial strength rating of ‘A+’ (Strong). More information about S&P’s rating of Lloyd’s is available at;

The Standard & Poor’s rating scale is

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