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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 report suspected fraud? Is the process time-consuming?

The process is simple and clear. You can report suspected fraud via an application, which is available on the website of the insurance company. Through this secure application, you can provide data and information that is available to you and also attach material in electronic form. Fill in the report accurately and provide as much information as possible about the suspected fraud.

You can also use other methods to report suspected fraud:

  • by e-mail to the following e-mail address:
  • by calling the telephone number: +386 1 474 74 44;
  • by post to the address: Zavarovalnica Triglav, d.d., Miklošičeva 19, 1000 Ljubljana (with the annotation "SPORP"); or
  • you can contact us in person at Verovškova ulica 60B, 1000 Ljubljana (Zavarovalnica Triglav, d.d., Fraud Prevention, Detection and Investigation Department)
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.

What is our secure channel for reporting fraud and violations and how does it work?

Our secure channel for reporting fraud and violations or suspected fraud and violations allows the informant to submit a bona fide identified or anonymous report, while allowing them to re-access the application with a username and password. The username and password are determined by the user or informant when first submitting a report.

Informant protection and anonymity are guaranteed. If the informant refuses to reveal their identity despite the protective measures in place, their identity will not be revealed to the investigator. Nevertheless, they will still be able to communicate freely with the investigator, as enabled by the application.

Communication between the informant and the investigator is essential for the success of the investigation. Experience has shown that one-way anonymous reports may fail because the informant may, sometimes inadvertently, fail to provide all the information that would allow a successful investigation.

The application is located on an external server, which is completely separated from the servers and applications of the Triglav Group. This prevents unauthorized persons from accessing the data and also allows employees to submit a report in a secure manner.

The application allows the informant to monitor the status of each report and to communicate constantly with the investigator. In this way, a completely confidential communication channel is established between the informant and the investigator. The application allows the informant to be informed about the course of the investigation as well as its conclusion and results.

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.