What we do

Enforcements

In many cases, by the time insurers have identified and validated fraudulent claims, they have already made some initial payments to claimants in respect of their losses. Whilst successfully repudiating the claim should still ensure that significant fraud savings are made, the insurer is still left facing a loss.

In 2010 we recovered £1.3m from fraudulent claimants.

James Heath, Partner

Keoghs’ specialist Enforcements unit works with insurers to ensure that they recover as much of the monies they are owed as possible – ensuring that honest policyholders aren’t left to foot the bill.

Following receipt of a ‘liquidated judgement’ (i.e. a judgement for a specified amount of money either as damages, costs or both) against an individual then a County Court Judgement (CCJ) is registered against them, placing significant barriers against the individual obtaining credit.

However, this will not necessarily force that individual into repaying the amount owed. We can then act on behalf of the insurer to proactively enforce the judgement from the day it is granted.

A multitude of recovery options and relevant intelligence
Dependant on the insurer’s recovery strategy, the value of the debt and the information gathered on the debtor, we can deploy a range of potential recovery options, including:

Bailiff / High Court enforcement officers
Orders to obtain information
Charging orders
Third party debt orders
Attachment of earnings orders
Bankruptcy

The strength of our intelligence capability plays a vital role in our enforcements service, as we have a range of tools to assist in locating debtors and assessing whether they have sufficient means to make enforcement a viable option.