Insurance Surveillance Investigation – Caledonia Risk

Details have been anonymised to protect client confidentiality.

Client: Leading UK Insurance Provider
Date: 2019
Location: Glasgow, Scotland
Potential Exposure: £2,000,000

Objective:

Verify the validity of a high-value personal injury insurance claim following an amputation, where the claimant reported severe mobility restrictions.

Approach:

Using intelligence-led planning and covert surveillance, our team monitored the claimant’s activities. Preliminary research through our proprietary OSINT tool BRAHAN intelligence allowed us to confirm the claimant’s regular routines, locations, and patterns prior to deploying operatives. Surveillance was conducted discreetly, adhering fully to legal and GDPR requirements.

Outcome & ROI:

Surveillance was conducted over three days at a cost of £4,979.97. Our operatives collected evidence showing the claimant engaged in high-mobility activities inconsistent with the reported injury. The insurer avoided a potential payout of £2,000,000, representing a significant return on investment.

Key Takeaway:

Our intelligence-led approach, combining human expertise with OSINT analytics, ensures that insurers can make confident, defensible decisions without unnecessary expenditure.

Operational Context:

Operations such as this are regularly conducted by Caledonia Risk across Glasgow and Scotland, supporting insurers requiring discreet covert surveillance and investigative intelligence during complex insurance investigations.