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The Insurance Claims Register
Te Rēhita Kerēme Inihua
The Insurance Claims Register
Te Rēhita Kerēme Inihua
The ICR
The Insurance Claims Register (ICR) detects and prevents fraud, particularly purposeful non-disclosure and double dipping at claim time.
Unfortunately, the old adage of ‘utmost good faith’ is no longer working. Fraud is costing honest policyholders hundreds of millions of dollars every year. Current estimates suggest between 5% and 10% of claims are fraudulent.
The ICR is an independently run fraud tool that holds a record of all claims submitted to member insurers. It allows insurers to share claims data, with insureds’ permission, to ensure that clients are not double dipping or displaying any risky behaviours that could possibly indicate a risk to their business.
If you’ve submitted a claim to a member of the ICR within the last 10 years, then your claim will appear on the register.
Privacy
Agreement to having your claims on the ICR will be a
condition of doing business with any participating insurer. All participating
insurers tell their clients their claims will be logged in the ICR, and have
privacy advice on all proposals, renewals and claim forms.
Customers have the right to object to their information
being logged in the ICR. Insurers, equally, have the right not to insure
customers who object to their claims being held in the Register
If at claim time a customer objects to their claim
information being held in the ICR because the privacy advice was not on the
proposal or renewal form, the insurance company will not place the claim
information in the ICR.
In accordance with the Privacy Act 2020. all customers who have claims in the ICR have the right to access the information held about them at any time and to seek changes to that information if it is warranted.
Only authorised staff members at participating insurers are able to access the ICR.
Access to personal information
You are entitled under the Privacy Act 2020 to know whether any information is kept on you and what that information is.
To find out if your information is in the ICR, download and complete a personal information request form.
You will be asked to provide proof of your identity. You can do this by getting your identity verified by a Justice of the Peace or a Police officer before submitting the form. These requirements help protect your private information from being released to other people.
Send your verified ID and your completed form to your insurer. The information requested will be processed and any information held will be sent to your nominated address.
Join the ICR
Insurers who operate in New Zealand may join the ICR. To find out more or apply, email [email protected].
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