Dutch insurers detect 10% more insurance fraud in 2025

Dutch insurers identified 9,979 cases of insurance fraud last year, a 10% increase on 2024 and the highest total in three years, according to the Dutch Association of Insurers. The figures cover fraud detected in insurance applications and claims, but exclude health insurance.

The association said its response to fraud saved insurers €95 million in 2025, slightly less than the €95.6 million reported for 2024. The figures are recorded by the Centre for Combating Insurance Crime.

Fraud was most frequently detected when people applied for insurance: 69% of the cases, the association said. It said applicants may deliberately provide false information, which can prevent fraudulent claims later. Insurers recorded more than 11% more cases involving business insurance.

The association also warned that artificial intelligence is being used to alter damage photographs and documents. It cited a case in which a photograph submitted with a claim for a damaged carpet had been edited to add a stain. The insurer rejected the claim and recorded the claimant in a shared warning system, according to the association.

These totals count cases detected by insurers, rather than providing a measure of all insurance fraud. The reported number rose from 9,070 in 2024 to 9,979 in 2025.