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Anon, re the speed of the claim being presented.

A. Insured reports the loss
1. client is recommended by insurer,
2. we speak to the client directly after they've reported the incident,
3. client care letter goes out by email with an electronic signature,
4. client docs returned within minutes, electronic KYC check within minutes, ASkCue follows, again minutes, like wise Medco then CNF based on client's response.

It's called being efficient and delivering a high standard of service.

As for the 1000s of fraudulent claims, or c. 7% when asked for evidence of the numbers of claims the insurers either decline to present the evidence or admit it's actually a very small if not negligible %.