Insurance & Claims Investigations
All enquiries handled in complete confidence.
Claims investigations for insurers and legal professionals
Claims investigations require accuracy, objectivity, and a clear understanding of evidential and regulatory standards.
At Bluemoon Investigations, we provide professional insurance and claims investigation services that are evidence-led, proportionate, and suitable for regulatory and legal scrutiny.
We support insurers, claims managers, solicitors, and corporate clients where clarification, verification, or factual assessment is required in relation to insurance claims. Each instruction is assessed carefully to ensure the investigative approach is appropriate to the nature of the claim and its intended use.
Lawful & Proportionate Investigations
All enquiries are conducted using lawful and ethical methods, with careful consideration given to data protection, privacy, and proportionality.
Evidence-Led Approach
Investigations focus on establishing verifiable facts through structured enquiries and corroboration from reliable sources.
Clear, Objective Reporting
Findings are presented in structured, impartial reports with sources and context clearly documented to support claims decisions.
Suitable for Insurance & Legal Use
Reporting is prepared to a professional standard and suitable for insurers, solicitors, and regulatory review.
Call our Claims Investigations Team today on 0800 086 2270 or email us at claims@bluemooninvestigations.co.uk
We support employers and insurers by investigating suspected misuse of sickness or absence claims. Enquiries focus on factual verification, pattern analysis, and evidence gathering to support proportionate and defensible decision-making.
We conduct targeted investigations to identify exaggerated or fraudulent claims. Our work focuses on verification, inconsistency analysis, and evidence-led reporting to support defensible claims decisions.
Our investigations verify the validity and circumstances of life insurance claims, providing insurers with clear, factual reporting to support fair and transparent assessment.
We investigate road traffic accidents to establish liability, examine circumstances, and verify claims. Evidence is gathered and reported objectively to support resolution and litigation where required.
Why Choose Bluemoon for Claims Investigations
Claims investigations require careful judgement, factual analysis, and a clear understanding of legal, evidential, and regulatory boundaries. At Bluemoon Investigations, we provide professional claims investigation services that are evidence-led, proportionate, and defensible.
We act for insurers, solicitors, and businesses who require reliable verification to assess the validity of claims and support informed decision-making. Each instruction is carefully scoped to ensure the enquiry is appropriate, targeted, and aligned with the specific requirements of the claim.
With over four decades of investigative experience, we understand that effective claims investigations are not about assumption or volume, but about accuracy, context, and corroboration. Our work focuses on establishing verifiable facts through lawful methods and presenting findings clearly and objectively.
All claims investigations are conducted in accordance with UK legislation, regulatory guidance, and data protection requirements. Proportionality and necessity are considered throughout each instruction to ensure enquiries remain appropriate and defensible.
We place particular emphasis on confidentiality, secure handling of information, and professional conduct. Clients are kept informed through clear communication and provided with structured reports that distinguish verified facts from contextual observations, without speculation.
Our approach ensures that claims investigation findings are reliable, ethical, and suitable for use by insurers, solicitors, and professional advisers.
How Claims Investigations Work
Step 1: Initial Consultation & Case Review
We begin with a structured consultation to understand the nature of the claim, evidential requirements, and intended use of the findings. Each instruction is assessed to ensure the scope of enquiry is appropriate, lawful, and proportionate.
Step 2: Investigation Strategy & Scope Definition
Following the initial review, we define a clear investigation strategy tailored to the claim. This sets out the objectives, methods, and reporting requirements, ensuring the investigation remains focused and evidentially sound.
Step 3: Evidence Gathering & Verification
Our investigators conduct the investigation using lawful and ethical methods. This may include factual enquiries, verification of information, surveillance where appropriate, and witness or background checks, all carried out with discretion and accuracy.
Step 4: Reporting & Decision Support
Findings are delivered in a structured written report, clearly distinguishing verified facts from contextual observations. Reports are suitable for professional scrutiny and can be relied upon to support claims decisions, legal proceedings, or further action.
All claims enquiries are handled confidentially and in accordance with UK law.
Case Examples – Claims Investigation Services
Employee Absence Claim Investigation
Instruction Type
Employee absence / workplace claim
Approach
Proportionate investigation to verify absence-related concerns using lawful enquiries, factual checks, and where appropriate, discreet observation.
Evidence Provided
Verified factual findings presented with clear context and supporting detail.
Use of Evidence
Used by employers, insurers, and advisers to assess credibility, manage risk, and support employment or claims decisions.
Fraudulent Insurance Claim Investigation
Instruction Type
Suspected insurance fraud
Approach
Targeted claims investigation designed to identify inconsistencies, verify representations, and assess the validity of the claim using lawful investigative methods.
Evidence Provided
Structured evidential report distinguishing verified facts from contextual observations.
Use of Evidence
Supports insurers and legal teams in claim validation, dispute resolution, and fraud prevention decisions.
RTA (Road Traffic Accident) Claim Investigation
Instruction Type
Motor / road traffic accident claim
Approach
Focused investigation to verify circumstances surrounding the incident, including factual enquiries, timeline reconstruction, and liability-related checks.
Evidence Provided
Clear written report outlining verified findings, limitations, and evidential relevance.
Use of Evidence
Used to assess liability, challenge exaggerated or false claims, and support informed claims handling or litigation strategy.
James Cartwright, Claims Manager
“We regularly instruct Bluemoon for claims investigations. Instructions are handled professionally, communication is clear, and the reporting is well-structured and suitable for use within claims handling and dispute resolution.”
Helen Moore, Litigation Executive
“Bluemoon provide reliable claims investigations we can depend on. They understand proportionality, evidential standards, and time pressures, and the material supplied is factual, clear, and easy to incorporate into case files.”
Adeel Rahman, Fraud & Compliance Lead
“Bluemoon handled our instruction with discretion and a strong understanding of the claims and legal context. The investigation was conducted efficiently, and the final report was thorough, objective, and professionally presented.”
Legal Compliance & Professional Standards
Bluemoon Investigations provides claims investigation services with a clear understanding of the legal, regulatory, and evidential frameworks within which insurers and legal professionals operate.
All claims investigations are conducted lawfully and in accordance with UK data protection legislation, including the UK GDPR and the Data Protection Act 2018. Each instruction is assessed at the outset to ensure the scope of enquiries is proportionate, relevant, and appropriate to the nature of the claim under review.
Investigations are carried out using lawful methods, including observation, verification of factual information, and analysis of open-source and publicly available material where appropriate. We do not access restricted databases or obtain information unlawfully, and all findings are verified and recorded accurately to support fair and defensible claims decisions.
Reporting is factual, objective, and clearly structured. Confirmed findings are distinguished from contextual observations, and speculation or opinion is avoided. This ensures reports can be relied upon by insurers, claims handlers, solicitors, and professional advisers when assessing liability, credibility, or evidential issues.
Bluemoon Investigations does not provide legal advice. Our role is limited to the provision of investigative services and factual reporting, with insurers and solicitors retaining responsibility for claims handling, decision-making, and legal strategy.
UK-Wide Claims Investigation Support
Bluemoon Investigations undertakes claims investigations across England, Scotland, and Wales. Each instruction is assessed individually and resourced according to the nature of the claim, the evidential requirements, and the location of relevant activity.
Clients benefit from a single point of contact, coordinated investigative management, and clear, structured reporting delivered to a consistent standard, whether supporting insurance claims, liability disputes, or fraud enquiries.
Additional Information & Professional Resources
Bluemoon Investigations undertakes claims investigations with a clear understanding of the legal, regulatory, and evidential frameworks in which our work is relied upon. The following resources provide general context around claims handling, data protection, and professional standards relevant to investigations conducted in the UK.
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Information Commissioner’s Office (ICO) – GDPR & Data Protection
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Gov.uk – Courts, Tribunals, and Civil Procedure guidance
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Financial Conduct Authority (FCA) – Insurance conduct and regulatory standards
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Association of British Insurers (ABI) – Claims and fraud guidance
These resources are provided for general reference only. Bluemoon Investigations does not provide legal advice and acts strictly as an investigative service provider.
UK-Wide Coverage
Bluemoon Investigations provides claims investigation services across England, Scotland, and Wales.
Investigations are planned and resourced according to the nature of the claim and evidential requirements, rather than fixed regional boundaries, ensuring appropriate investigative support wherever enquiries are required.
Other Investigations Services in the UK
In addition to professional claims investigations, Bluemoon Investigations provides a full range of investigative services across the UK.
- Private Investigation Services
- People Tracing in the UK
- Process Serving in the UK
- Surveillance
- Background Checks
Our team delivers discreet, lawful, and proportionate investigations suitable for use by insurers, solicitors, and professional advisers nationwide.
Claims investigations in the UK — expert insurance fraud and liability services
Claims Investigations in the UK
Bluemoon Investigations provides expert services for claims investigations in the UK, focusing on validating insurance claims and uncovering false or exaggerated assertions. We deliver objective, confidential findings that insurers, claimants, and legal teams can rely on.
What Claims Investigations Involve
Claims investigations verify reported losses, using analytics, interviews, and policy reviews to expose fraudulent behaviour. This helps insurers control losses, reduce litigation risk, and provides verified evidence for legal teams and businesses.
Types of Claims Investigated
We investigate various insurance fraud types, including credit-hire fraud, staged collisions, exaggerated injury claims, and fraudulent liability assertions. This covers both soft fraud (exaggeration) and hard fraud (fabrication). Our focus includes motor claims, personal injury, and liability fraud.
Our Investigative Approach
Bluemoon Investigations combines advanced analytics, structured interviews, and detailed policy audits. Our approach includes directed surveillance where appropriate, social-media examination, and lawful digital analysis. We follow strict evidence-handling procedures, maintaining tamper-proof logs and legally compliant interview methods. The process starts with a claim review, risk assessment, intelligence gathering, and witness interviews. All information is cross-checked and documented for admissibility.
Legal & Regulatory Compliance
All investigations strictly adhere to UK law, including GDPR, the Data Protection Act 2018, and RIPA 2000 where applicable. These frameworks ensure lawful data handling and directed surveillance, protecting privacy and maintaining robust, defensible investigations. We uphold professional standards to preserve evidence quality and client confidence.
FAQs
What qualifications do investigators at Bluemoon Investigations have?
- Our investigators often have backgrounds in police and military service, with continuous training in modern investigative methods, lawful digital analysis, and legal compliance.
How long does a typical claims investigation take?
- Timelines vary by complexity, from a few days for straightforward enquiries to several weeks for more involved cases requiring directed surveillance or detailed analysis. Thoroughness and legal compliance are prioritised.
What measures are in place to protect client confidentiality?
- Client confidentiality is paramount. We use secure communication channels, restrict internal file access, and handle personal data in strict compliance with GDPR and the Data Protection Act 2018.
Can clients request updates during the investigation?
- Yes, we provide regular progress reports and are available to discuss developments, ensuring clients can make informed decisions.
What types of evidence are typically collected?
- Evidence typically includes directed surveillance findings, witness statements, digital records, medical documentation, and official reports. All material is logged to preserve chain of custody for legal use.
How does Bluemoon Investigations handle disputes over findings?
- We provide detailed reports outlining evidence, methods, and rationale. We welcome discussion and can support clarification in legal settings to ensure findings are fully understood.