Insurance Investigations verify claims and test suspected fraud, for insurers, brokers, attorneys and policyholders disputing a rejection. Send one request and independent investigators reply with availability and prices.
Describe the claim type and the issue to get insurance investigation quotes.
Request a Private Investigation QuoteWhat It Involves
- Claim verification. Checking that the event, loss and values match the facts.
- Scene and witness work. Site inspections, photographs and statements.
- Injury and disability claims. Lawful surveillance of activity levels.
- Vehicle and theft claims. Ownership history, tracking data and recovery leads.
- Background checks. Claim history and links between parties.
Who Uses It
Insurers, brokers, loss adjusters, employers and attorneys. Policyholders also use investigators to gather facts when a claim has been rejected.
What to Send First
- The type of claim and the rough value.
- What is in doubt.
- Your role: insurer, broker, attorney or policyholder.
- Any deadlines.
Do not upload documents, statements or evidence through the request form. The investigator will ask for what is needed once you agree to go ahead.
How It Works
- Instruction. Scope and questions to answer are agreed.
- Fieldwork. Inspections, statements, records and surveillance where needed.
- Analysis. Facts compared with the claim.
- Report. Findings with evidence attached.
Findings and Reporting
A factual report with statements, photographs, footage and a timeline. The insurer or ombud makes the decision, not the investigator.
Limits
Investigators may not intercept calls or messages, access email or bank accounts, or obtain private records such as bank statements or phone records without consent or a court order. No investigator can guarantee a result, recovery of money or that evidence will be accepted by a court.
Surveillance is limited to public places and may not amount to harassment.
Insurance Investigations Prices
Ballpark prices so you can sanity-check a quotation.
| Item | Ballpark price |
|---|---|
| Insurance fraud investigation | R10,000 - R30,000 |
| Single-day surveillance | From R6,500 |
| Claim verification with statements | R5,000 - R15,000 |
| Investigator hourly rate | R500 - R1,500 per hour |
Prices JUST UPDATED. Indicative ballpark figures in rand, rounded. They are compiled from prices published by South African investigation firms and typical market rates. They are not our prices or quotations, and no investigator is bound by them. Confirm VAT, travel and what each quotation includes.
Get prices for your claim rather than a range. Send one request, with no obligation.
Request a Private Investigation QuoteWhat Affects the Price
- Claim type. Injury claims needing surveillance cost more than document checks.
- Travel. Scenes and witnesses far apart add travel costs.
- Days of observation. Surveillance is usually priced per day.
- Expert input. Engineers or assessors are billed separately.
Insurance Investigations FAQs
Can a policyholder hire an investigator?
Yes. Policyholders sometimes use one to gather facts when a claim is disputed.
Is surveillance of a claimant legal?
Observation in public places is lawful. Entering private property or harassing the person is not.
Who decides if a claim is paid?
The insurer, and on dispute the ombud or a court. The investigator only reports facts.
How long does a claim investigation take?
Simple verifications take days. Surveillance on injury claims can run over several weeks.
Related Services
Request insurance investigation quotes through Private Investigators South Africa and compare each investigator's scope and reporting.
Private Investigators South Africa is a referral and quote service. We do not carry out investigations and we do not employ investigators. Work is quoted and carried out by independent investigators, and your agreement is with the one you choose. Ask for a written quotation and proof of PSIRA registration before you pay a deposit. No investigator can promise a particular result or that evidence will be accepted by a court.
Insurance Investigations. Describe what you need once and get the best quote, fast.
Request a Private Investigation QuoteGet the Best Quote, Fast
Keep it brief. Do not send ID documents, passwords, intimate images or evidence through this form. Your enquiry is passed only to investigators suited to the job, and you decide whether to go ahead.
Client Reviews
Powered by leaderr
