Fraud management

F. A. Q.

Who deals with reports of suspicion fraud?

Do not worry, only the Prevention, Detection and Investigation Department (SPORP) has direct access to the reports by informants. Your report will be carefully considered and treated as a trade secret of the company.

How is a report of suspected fraud dealt with?

Zavarovalnica Triglav, d.d., has strict rules in this area, defined in its internal documents. After receiving a report of suspected fraud, SPORP will make a preliminary analysis to confirm or refute the suspicion of fraud. If suspicion is confirmed, SPORP will start an investigation, which involves in-depth analytical procedures and inquiries, collection of information and examination of documents available to SORP, all in accordance with the law. Such an investigation leads to either the confirmation of the fraud or the conclusion that fraud cannot be confirmed.

Does Zavarovalnica Triglav, d.d., examine every report suspected fraud?

In accordance with the adopted internal documents of the company, Zavarovalnica Triglav, d.d., examines each report received regarding any suspicion of fraud.

Which offences can be reported?

You can report any suspected criminal offences related to the operations of Zavarovalnica Triglav, d.d., not only insurance fraud. A fraud is considered to be any intentional wrongful conduct in connection with the operations of an insurance company or any such attempt, which is performed in order to obtain illegal proceeds for the perpetrator or a third party and/or which causes or may cause damage to the insurance company. For simplicity, learn more about the conduct that may constitute various forms of fraud:

  • illegal appropriation of insurance company's property (e.g. fraud, embezzlement, abuse of authority or trust, insurance fraud, abuse of inside information, disclosure and unauthorised acquisition of trade secrets, unauthorised use of another's trademark or design, etc.),
  • corrupt practices (e.g. embezzlement and unauthorised use of another's property, unjustified gift-giving and receiving, bribery, giving and receiving benefits for illegal intermediation, etc.),
  • false accounting (e.g. falsification or destruction of business documents, forgery of documents, tax evasion, etc.).
What if i do not know whether a particular case represents fraud?

It is no reason why you should not act. You can send us any question, also without concrete facts, by e-mail, or call us at +386 1 474 70 80, even if you are not sure whether it involves a criminal offence.

How do i make a report of suspected fraud? Is it a long process?

The process is simple and clear – you can report suspected fraud by using the form available on the website of Zavarovalnica Triglav, d.d.. Fill in the form with the data and information that are available to you. You can also attach documents in electronic form. Complete this form accurately and provide the relevant facts which point to fraud.

Alternatively, you can submit a report of suspected fraud at the following addresses:

  • e-mail:
  • telephone number: +386 1 474 74 44;
  • or land mail: Zavarovalnica Triglav, d.d., Miklošičeva 19, 1000 Ljubljana (s pripisom "SPORP"); ali
  • personal visit to the SPORP office, Dunajska 22, Ljubljana, 8. floor.
Should i stay anonymous when reporting suspected fraud?

Reports can be anonymous. If the report is not anonymous and if it is made in good faith, the informant will be provided with protection from potential retaliation.

Who can view reports of suspected fraud? How do you guarantee that the report does not get in the hands of unauthorised persons?

The reports of suspected fraud can only be viewed by SPORP employees and unauthorised persons have no access to that information.

More information

White Paper on Insurance Fraud

Zavarovalnica Triglav, d.d., has prepared a white paper on the theme of insurance fraud entitled "Careful, Looks Can Be Deceiving".

The purpose of the document is to raise awareness and to leave a lasting mark on the public awareness about insurance fraud, which is the general problem of the insurance industry, not only in Slovenia but also worldwide.