Insurance & Claims Investigation

What this service covers

• Covert surveillance of claimants in personal-injury, employer-liability, and motor matters where activity is alleged to be incompatible with reported impairment;
• Witness statements in evidential form, including activity logs and continuity exhibits;
• OSINT support to surveillance — locating the claimant, identifying the addresses they actually use, and corroborating activity through public-domain content;
• Pre-trial pack preparation — assembled in the format required by your panel firm or in-house counsel;
• Sit-availability statements for cases where evidence may be deployed at trial.

When clients engage us

• A bodily-injury claim has progressed to a value where surveillance is proportionate and there are credible indicators of overstatement;
• A loss-adjusting investigation has flagged inconsistencies between reported circumstances and external information;
• A solicitor instructed in defence requires evidence to support a Part 36 offer, a contributory-negligence argument, or a fundamental-dishonesty argument;
• A workers’ compensation or employer-liability matter requires confirmation that the claimant is or is not engaged in the work alleged to be impossible.

Our approach

Surveillance is covert and proportionate. We will not undertake surveillance of children, of people inside their home, or in any setting where the Human Rights Act 1998 Article 8 considerations would render the work disproportionate. Operations are run within the boundaries of the Regulation of Investigatory Powers Act 2000 and the Protection from Harassment Act 1997.

Personal data captured during surveillance is processed under the UK GDPR and the Data Protection Act 2018. Reports are pitched correctly for use under the Police and Criminal Evidence Act 1984 where the matter has criminal dimensions, and for civil disclosure otherwise.

Quarterly retainer arrangements are available for regular insurance and claims clients. For our full process, see how we work.