Course in Motor Insurance Fraud Investigation
Online course of 300 h in motor insurance fraud investigation. 6 modules covering Royal Legislative Decree 8/2004 (civil liability and motor vehicle insurance), Law 35/2015 (traffic damages scale) and GT Motive. Assigned tutor and open enrolment.
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What you will be able to do
Identify the types of fraud in motor insurance.
Apply warning indicators for early detection.
Interpret expert and accident reconstruction reports.
Assess injuries in accordance with the traffic damages scale.
Obtain evidence while respecting legal limits and data protection.
Substantiate the settlement of the claim and, where applicable, the criminal complaint.
Propose preventive controls in underwriting and claims handling.
Who it's for
- Motor insurance fraud investigator who wants to specialise in Motor Insurance Fraud Investigation.
- Motor vehicle assessor who wants to specialise in Motor Insurance Fraud Investigation.
- Accident reconstructionist who wants to specialise in Motor Insurance Fraud Investigation.
- Bodily injury claims handler who wants to specialise in Motor Insurance Fraud Investigation.
- Anti-fraud analyst who wants to specialise in Motor Insurance Fraud Investigation.
- Motor liability lawyer who wants to specialise in Motor Insurance Fraud Investigation.
- Graduates in engineering or sciences seeking to enter motor insurance.
What you'll work with
- Royal Legislative Decree 8/2004 (civil liability and motor vehicle insurance)
- Law 35/2015 (traffic damages scale)
- Royal Decree 1507/2008 (Regulation on compulsory insurance)
- Criminal Code, art. 248 (fraud)
- Law 5/2014 on Private Security
- Law 1/2000 on Civil Procedure (evidence)
- Regulation (EU) 2016/679 (GDPR)
6 modules · 300 h
1.1What is considered fraud and where the line lies with a simple mistake1.2Opportunistic fraud versus organised fraud1.3Most common types in the motor sector1.4Scale of the problem and its effect on everyone's premiums1.5Parties involved: policyholder, garage, assessor, clinic and intermediary1.6Legal framework and limits of the investigation1.7Policyholder's rights during the investigation1.8Data protection applied to the file1.9Professional ethics of the investigator1.10Exercise: classifying a portfolio of suspicious cases
2.1Warning indicators at the point of underwriting2.2Indicators in the claim declaration2.3Inconsistencies between declared damage and accident mechanics2.4Time patterns: very early claims or claims just before cancellation2.5Claims with no identifiable third parties and no police report2.6Repeat claims and prior relationships between the parties2.7Fraud scoring models and their calibration2.8False positives and the commercial cost of getting it wrong2.9Designing rules and referral thresholds2.10Practice: building an indicator matrix
3.1Critical reading of the amicable accident report and the police report3.2Vehicle inspection and photographic documentation3.3Compatibility of damage between the vehicles involved3.4Heights, angles and transfer of materials3.5Basic kinematic reconstruction of the accident3.6Vehicle's own data: event data recorders, telematics and ECUs3.7Identification of pre-existing damage3.8Repair valuation and detection of overcharging3.9Expert report that will stand up before a judge3.10Practice: determining the compatibility of two claims
4.1Cervical injuries and the controversy surrounding them4.2Causation criteria and link to the accident4.3Assessment of bodily injury and applicable scale4.4Exaggeration and simulation: objective signs and limits4.5Medical records and their verification4.6Clinics and professionals who appear again and again4.7Coordination with the assessing doctor4.8Benefits, temporary incapacity and loss of earnings4.9Privacy of health data within the file4.10Practice: critical review of an injury file
5.1Investigation plan proportionate to the amount at stake5.2Interviewing the policyholder and witnesses5.3Lawful information sources and sources that cannot be used5.4Collaboration between insurers and shared databases5.5Chain of custody of evidence5.6Evaluation of evidence and decision on the claim5.7Rejecting a claim and the duty to give reasons5.8Criminal route, civil route and the decision to file a complaint5.9Recovery of amounts and recourse actions5.10Practice: preparing the file for legal defence
6.1Choosing the portfolio and the type of fraud to tackle6.2Diagnosis of the starting situation6.3Design of the indicator system6.4Referral and investigation protocol6.5Training claims handling staff6.6Outcome indicators and estimated savings6.7Legal and data protection compliance6.8Implementation plan6.9Project report6.10Defence of the work
How you'll learn
Fully 100 % online training on the SEIUM campus, with downloadable material, recorded classes and an assigned technical tutor. No fixed timetable: students progress at their own pace within the intake, which makes it possible to combine study with work.
Each module combines theory, guided reading of the original standard and applied exercises. The working software is GT Motive, Audatex, PC-Crash, i2 Analyst’s Notebook, in free, academic or evaluation versions. Tests are studied on real accident reconstruction procedures, material damage assessment and analysis of injury files. Assessment is continuous per module, plus the final integrative project.
Build it end to end
Your final project follows the real engineering workflow, step by step, reviewed by your tutor.
Identify the types of fraud in motor insurance.
Apply warning indicators for early detection.
Interpret expert and accident reconstruction reports.
Assess injuries in accordance with the traffic damages scale.
Obtain evidence while respecting legal limits and data protection.
Where this takes you
Requirements
- No prior degree is required.
- Internet connection and a computer capable of running the programme's software.
- Sufficient level of Spanish to follow technical regulatory texts.
Ready to start?
Send your application today. Our admissions team replies within 72 hours with your study plan and funding options.
Frequently asked questions
The programme totals 300 hours spread over 3 to 5 months. That is between 10 and 15 hours a week on average, compatible with full-time work.
The course uses GT Motive, Audatex, PC-Crash and i2 Analyst’s Notebook. Free, academic or evaluation versions are used, and the tutor indicates the free alternative where one exists.
An in-house SEIUM Institute diploma upon passing the continuous assessment and the integrative project. It is not an official qualification from the Ministry.
Yes. Modules passed in a course or postgraduate diploma in the same area are credited towards the advanced programme. Check the credit transfer policy when you enrol.
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