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How Can Insurers Detect Deepfakes in Onboarding and Claims?

Insurers detect deepfakes by scoring customer selfies and videos at onboarding and by checking every photo, video and document uploaded with a claim for AI generation or editing before a handler approves payment. High scores go to the special investigations unit with the evidence attached. Neural Defend's NeuroVerify handles the inline checks, and NeuroDetect supports investigators with heatmaps and forensic reports.

Organization authorNeural Defend Editorial
Updated August 27, 2026
Piyush Verma, Co-founder and CEO of Neural Defend.
Piyush VermaCo-founder & CEO
Conceptual 3D render illustrating How Can Insurers Detect Deepfakes in Onboarding and Claims?

How Can Insurers Detect Deepfakes in Onboarding and Claims?

Insurers detect deepfakes in two lanes. In the onboarding lane, the selfie or video a customer submits to buy a policy or open an online account is scored for face manipulation, generative-model traces and liveness while the customer waits. In the claims lane, each photo, video and document attached to a first notification of loss is checked for AI generation and pixel-level editing before the claim reaches a handler, and anything flagged goes to investigators.

The two lanes need different speeds. Onboarding checks run inline and must return in well under a second so they do not lose sales. Claims checks can run asynchronously, in batch, because a claim takes hours or days to settle and the evidence matters more than the wait. Investigators then need more than a score: they need to see which region of a photo or which frames of a video drove the result, so they can explain a decision to the customer or a court.

Light enterprise still life for deepfake detection for insurance: how-related verification objects on a white surface, no people.

How Are Deepfakes Used in Insurance Claims Fraud?

Deepfakes and AI editing tools are used in claims fraud to invent or exaggerate damage, reuse one incident for several claims, and fabricate the documents that support a claim. Most cases so far are edits of real photos rather than fully generated scenes, which the industry calls shallowfakes.

Allianz UK said in an April 2024 release that cases where apps were used to distort real-life images, videos and documents had increased by 300%; a footnote ties the figure to its data on contrived motor accidents. Admiral reported in 2026 that it detected £86.8 million in fraudulent motor, home and travel claims in 2025, up 71% from £50.9 million in 2024. Its claims handlers described an AI filter used to make a designer watch look damaged, a damaged car edited with a different number plate so it could be claimed twice, and damage added to photos of a vehicle and of designer shoes. Admiral also cited Association of British Insurers figures of £1.16 billion in fraudulent general insurance claims detected in 2024.

Voice and video deepfakes appear at the edges of the claims process too. The FBI warned in December 2024 that criminals use cloned voices to impersonate account holders, and the same technique can be used on an insurer's phone line to change a payout bank account or file a claim in someone else's name.

Claim typeManipulationWhat detection looks for
Motor damageDamage added to a photo, number plate swapped to claim the same damage twicePixel-level editing traces, inconsistent texture and lighting in the edited region
Home and contentsGenerated images of damaged property or stolen itemsGenerative-model signatures across the whole image
Travel and personal itemsStock or internet photos of damaged luggage submitted as the claimant's ownReverse image matches and missing capture metadata, alongside detection
Supporting documentsEdited invoices, repair estimates or medical lettersForensic document review in an investigation workspace
Claims by phoneCloned voice changing payout detailsVoice deepfake scoring and callback to a verified number
Common forms of AI-assisted claims fraud and what a detector looks for.

Where Do Deepfakes Enter Insurance Onboarding?

At onboarding, deepfakes are used to buy policies under false or borrowed identities and to take over existing policyholder accounts. A synthetic or face-swapped selfie can pass a face match against a doctored ID photo, giving a fraudster a policy they intend to claim on soon after, or an account where they can change the bank details that receive payouts.

The control is the same one banks use: score the selfie or video for manipulation and generation, combine the result with liveness, document and device checks, and keep the evidence. Policy changes that redirect money, such as a new payout account or beneficiary, deserve a fresh capture and check rather than reliance on the original onboarding.

A circular diagram of customer icons around a central shield, ringed by icons for documents, payments, health and protection.

How Should Insurers Build Detection Into Claims Triage?

Insurers should check claim media automatically at upload and give investigators the tools to examine what gets flagged. A workable sequence looks like this:

Keep the threshold for automatic action high. Many genuine photos are cropped, filtered or compressed by phones and messaging apps, and a claimant who sent a filtered picture of real damage has not necessarily committed fraud. Detection should speed up the decision about which claims need a closer look, not deny claims by itself.

  • Ask for photos and video through your own app or upload link rather than email, so files arrive with less recompression and their original metadata.
  • Score every image and video for AI generation and editing as soon as it arrives, and store the original file unchanged.
  • Run reverse image searches on high-value claims to catch internet photos submitted as the claimant's own.
  • Send high and uncertain scores to the special investigations unit with the evidence view attached, and fast-track clean, low-value claims.
  • Record the score, model version and investigator decision with the claim so outcomes can be explained and thresholds tuned.

Can Deepfake Detection Stop All Insurance Fraud?

No. Detection finds media that has been generated or edited. It cannot see a staged accident photographed honestly, real damage from an earlier incident, or a genuine photo of someone else's loss. Those still need claims history, cross-insurer data, inspections and investigator judgment.

NIST's November 2024 report on synthetic content, AI 100-4, notes that detectors often perform best on content from the generators they were trained on, and that evaluations should include benign distortions such as compression and resizing. Insurers should plan for false positives on heavily processed phone images and for new editing tools that detectors have not yet seen.

How Neural Defend Helps Insurers

Neural Defend's NeuroVerify checks a face image, video or audio clip in one API call and returns one risk score with evidence from six signals, including face manipulation detection, AI generative model analysis, AI pixel-level manipulation and live presence verification. Eligible image requests return in under 200 ms at p95 under defined test conditions, so it fits inline at online policy purchase and account changes. It does not analyse ID documents.

For claims investigation, NeuroDetect gives the special investigations unit a forensic workspace. Investigators upload an authorised image, video, audio file or document into a case and see the original beside explainability heatmaps down to regions, frames and audio segments, with model and version recorded. An LLM-assisted summary links each statement to the evidence, the analyst makes the final call, and the case exports as a forensic report with observations, uncertainty and provenance.

On the public VendorBench-100 benchmark of 100 adversarial still images, Neural Defend ranked first of 36 systems with an MCC of 0.876 against 0.646 for the next vendor; the benchmark includes AI photo edits and covers still images only, and one author also co-wrote Neural Defend's ARCAS 1B paper. Deployment options run from managed cloud to on-premises and air-gapped, and Neural Defend holds ISO/IEC 27001, ISO/IEC 27701, ISO/IEC 42001 and SOC 2 Type II.

Evidence boundary

Limitations

  • The Allianz 300% figure is footnoted to motor claims data and the Admiral figures cover all detected fraud, not only AI-manipulated claims.
  • Detection does not prove that a loss happened or that an unedited photo shows the claimant's own property.
  • VendorBench-100 covers 100 still images only and one author also co-wrote the ARCAS 1B paper; document and video performance must be tested on your own claims.
  • NeuroVerify does not analyse ID documents, and NeuroCall is in Beta.

Frequently asked questions

Can deepfake detection eliminate all fraud?

No. Deepfake detection finds images, video and audio that show signs of AI generation or editing. It does not catch staged incidents photographed honestly, real damage from an earlier event, exaggerated repair costs, or a genuine photo taken from someone else. Insurers get the most from it as one triage signal combined with claims history, cross-industry data, inspections and investigator judgment.

How does Neural Defend handle different media types?

NeuroVerify scores face images, video and audio through one API, which suits onboarding selfies, policy-change videos and call audio. NeuroDetect, the forensic workspace, accepts images, audio, video and documents in an investigation case and shows heatmaps, frame and segment views and a downloadable forensic report. NeuroCall, for phone channels, is in Beta. NeuroVerify itself does not analyse ID documents.

How quickly can detection results be obtained?

For inline onboarding checks, NeuroVerify returns eligible image requests in under 200 ms at p95 under defined test conditions. Claims evidence usually runs asynchronously as files are uploaded, so results are ready before a handler opens the claim. Longer videos take more time than single images, and a full forensic review in NeuroDetect takes as long as the investigator needs to examine the evidence.

Should a flagged claim photo lead to an automatic denial?

No. Phone cameras and messaging apps compress, sharpen and filter images, and some genuine claimants edit photos for clarity. A flag should route the claim to investigators, who can ask for original files, an inspection or additional evidence. Automatic denials on a single score create complaints and regulatory risk, and they push the cost of false positives onto honest customers.

Source record

Sources and references

  1. Allianz UK (via Business Wire, republished by Silicon UK)Allianz prevents 29% more fraud and announces partnership with ClearspeedPublished April 23, 2024. Verified October 19, 2026.
  2. AdmiralThe white lie effect: 1 in 8 admit exaggerating insurance claims as untruths and AI riseVerified October 19, 2026.
  3. FBI Internet Crime Complaint CenterCriminals Use Generative Artificial Intelligence to Facilitate Financial Fraud (I-120324-PSA)Published December 3, 2024. Verified October 19, 2026.
  4. National Institute of Standards and TechnologyNIST AI 100-4: Reducing Risks Posed by Synthetic ContentPublished November 20, 2024. Verified October 19, 2026.
  5. arXivVendorBench-100: A Unified Cross-Paradigm Benchmark for Deepfake Image Detection (v2)Published July 29, 2026. Verified October 19, 2026.

For claims and SIU teams

Check your claim photos with Neural Defend

Run a sample of past claim images and onboarding selfies through NeuroVerify and NeuroDetect and see which edits and generated files they surface.

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