Motor insurance fraud’, ‘iloa ko e ‘ghost broking’, ‘oku hoko ‘eni ‘i he taimi ‘oku ‘pose’ ai ha kautaha pe ha taha fakafo’ituitui, ke pehē ko ha ‘insurance broker’(fakahoko fehokotaki ‘i he va ‘a e kasitoma mo e kautaha ngāue) ‘oku mo’oni, ke fakahoko ‘aki ha kākā
ʻOku nau kākāʻi koe ke ke fakatau ha maluʻi ki ho’o meʻalele ʻoku maʻamaʻa pea ‘i he ngaahi me’a ia ‘e ni’ihi, tenau fakatau e malu’i mei ha kautaha malu’i ‘oku mo’oni ma’au. Neongo ia, ‘oku ‘ikai ke nau ma’u ha mafai ke fakahoko ha pisinisi malu’i, pea ko e ‘policy’ (malu’i) ‘e ‘ikai ke ‘aonga ia. ‘Oku tanaki ‘e he taha kākā ia e totongi, ka ke toki fakatokanga’i ia ‘e koe kimui, ‘oku ‘ikai ke ‘i ai ha’o malu’i ia a ‘au, fakataha mo e ngaahi nunu’a kehe. Ko e ‘ghost brokers’, ‘oku nau fa’a fa’u ‘eki nautolu ha ngaahi me’a fakapepa ki he ‘policy’ (malu’i) ‘oku loi, ka ‘oku fu’u ngali mo’oni ‘e ne ‘asi, pea ha ngali mo’oni angē ai ‘a e ‘scam’
Ngaaahi maumau ‘e malava ke hoko
- ‘E a’u atu tonu pe ha taha, pe fakafou atu ‘i ha ‘post’ ‘i he mitia fakasōsiale, pe ko ha tuʻuaki ʻi he ʻInitaneti (kau ai ha tuʻuaki ʻo ha meʻalele ʻi he uepisaiti ʻoku nau fakatau mo fakatau atu), ko hono tuku atu e ‘leaflet’ ‘i ho matapa, pe ko ha tohi, mo ha ʻmaluʻi ki he me’alele ʻoku maʻamaʻaʻ.
Kapau ʻoku ke ʻiloʻi ʻoku loi ʻa e ‘policy’ ʻi he taimi ʻoku ke fakatau ai ia, pea ʻoku maʻu koe ʻi ha meʻalele maluʻi ʻoku ʻikai ke maluʻi:
- ‘E lava pe ke ‘prosecute’ koe
- ʻE lava pe ke to’o mo laiki hoʻo meʻalele
- ʻE lava pe ke mole hoʻo maʻuʻanga moʻui
- He ʻikai malu’i koe kapau ‘oku hoko ha fakatu’utamaki ‘o ke lavea ai, pe te ke mate ai.
Hangē ko ia ʻoku ha ʻi he konga ki ʻolunga ʻo e peesi ko ʻeni, ko e ‘ghost brokers’, ‘oku nau ngāue’aki ‘a e ngaahi tu’asila ‘policyholder’ ‘oku loi, pea tatau ai pe kapau kuo te’eki ke ke fakatau ha ‘policy’ ‘oku kākā, ‘e lava pe ke nau ngāue’aki koe ko e ‘policy holder’
Malu’i kita mei he ‘motor insurance fraud’
- Feinga ma’u pe ke ke fakatau ha malu’i mei ha:
- ‘broker’ ‘oku ongoongolelei
- Kautaha malu’i ki he motor ‘oku ke lava ‘o fetu’utaki ki ai hangatonu pe ‘i ha saiti ‘oku ‘ilo’i lelei
- Kapau ‘oku ‘i ai ha’o malu’i ki he me’alele pea ‘oku ‘ikai ke ke fakapapau’i pe ‘oku ke ‘aonga, fetu’utaki hangatonu ki he kautaha malu’i – ‘ikai ko e ‘broker’ na’a ke ngāue’aki – ke vakai’i pe ‘oku kei sai
- Kapau ‘oku iai ha’o tohi malu’i ki ho’o me’alele, fetu’utaki ki ho’o kautaha malu’i, oku ‘ikai koe broker nake ngāue moia
- Fakakaukau tuʻo ua: ʻoua naʻa ke teitei fakavavevave ke fokotuʻutuʻu ha maluʻi ki he me’alele mo ha taha ‘oku kehe mei he taha ʻo e ngaahi maʻuʻanga tokoni ʻoku hiki atu ʻi ʻolunga, neongo ʻene faingataʻa pe mamafa ke maʻu.
Malu’i ho tu’asila mei he kau kākā
Kapau ʻoku ke pehē kuo fakaʻaongaʻi ho tuʻasila ‘i he ‘motor insurance fraudsters’ , fai leva ʻa e ngaahi meʻa ko ʻeni:
Vakaiʻi fakalelei ho ‘post’, ke vakaiʻi pe ʻoku fakatuʻasila ʻa e ngaahi fetuʻutaki kotoa pe kiate koe pe ko ha taha kehe ʻoku nofo ʻi ho ‘apinofo’anga. Kapau te ke maʻu ha ngaahi fakamatala fakapepa ʻo e maluʻi maʻa ha taha ʻoku ʻikai haʻane fehokotaki pehē, telefoni ki he ‘insurer’ na’a ne ‘oatu, pea kole ke lea ki heʻenau potungāue ki he ‘fraud’ Manatuʻi kapau fakaʻaongaʻi ho tuʻasila ʻi he founga ko ʻeni, te ne lava ʻo uesia hoʻo malava ke maʻu ha maluʻi pe ‘credit’ ʻi he kahaʻu.
Kapau kuo ke moʻua ʻi he ngaahi founga maluʻi ʻo e motor insurance fraud, pe ʻoku ke pehē ʻoku fakaʻaongaʻi ho tuʻasila ʻe he ‘ghost brokers’, pe ʻoku ke maʻu ha fakamatala kākā fekauʻaki mo e ‘ekitiviti ‘oku fakahoko ki hono malu’i ‘o e me’alele.
- Lipooti ia ki he kau polisi
- Lipooti ia ki he kautaha maluʻi ʻoku fokotuʻu atu ʻe he ‘broker’ ‘oku ne fakafofonga’i