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Archives: Partner Insights

Here’s how frequent travelers slash their insurance costs

Frequent travelers are a diverse bunch. From seasoned adventurers seeking out remote destinations to employees pressing the flesh at conferences across the country, it’s often only their propensity to travel that connects them. Business travelers, especially, may spend a large chunk of the year on the road, racking up those frequent flyer miles as they […]

Business travel is rebounding – but it’s not business as usual

A recent poll conducted by the Global Business Travel Association (GBTA) found that, on average, travel managers estimated their companies’ domestic business travel volume was back to 63% of pre-pandemic levels, placing international travel at around 50%. Meanwhile, more than three quarters (78%) of those travel managers expected the number of business trips taken by […]

Would you choose the cheapest luggage? Now compare that to your health.

Everyone loves a bargain, right? From Black Friday sales to online discount codes, grabbing some winter-sports gear, a last-minute flight or a weekend away in a flashy hotel for a fraction of the usual cost just feels like winning at life. But with age comes the realisation that seeking out rock-bottom prices isn’t always the […]

Embedded insurance is broken. Here’s how to fix it.

From food delivery fees to priority boarding, convenience has always come at a cost. But the cost being borne by travelers is increasingly low-quality products and services when they’ve opted to purchase travel insurance embedded on a flight or hotel booking path. You’ve seen the products, right? Offering you the chance to protect your flight […]

Here are our WORST Trustpilot reviews (no, seriously)

“Stay away from this insurance!!!” “I’m not sure if they are being deliberately unhelpful or are just generally incompetent.” “I will not be purchasing coverage again.” “Total trash.” Ouch. We’re not going to lie; negative reviews like these really sting. We genuinely aspire to wow every customer who takes out insurance with us – but […]

The era of one-size-fits-all travel insurance is over. And good riddance.

Quick question: Where do you keep your traveler’s cheques when you’re on the road? Oh what’s that? You don’t use traveler’s cheques? You use a combination of credit cards, online transfers and smart banking apps that convert currencies in the blink of an eye? Funny that. Because if the current state of the travel insurance […]

Your customers are global. So why isn’t your travel insurance?

What does it mean to be a truly global business in 2022? Customers in Houston, Hamburg and Hong Kong? A workforce spanning multiple time zones? Frictionless communication and trade across borders? Whatever your definition, there’s one fact you cannot escape: a cookie-cutter approach to global trade is impossible. battleface is acutely aware of this. Being […]

These companies are transforming travel. Will you join them?

Make no mistake, travel is changing. Tech-savvy and informed travellers are craving new solutions to age-old issues around seeing the world. And battleface is proud to be working closely with companies at the forefront of that change. We want to draw attention to just some of our recent partner sign-ups who are striving to transform […]

Fusty old travel insurance? Yeah, that’s not really our thing.

Let’s be honest, travel insurance has an image problem. Ask the average person on the street their opinion of travel insurers and you’re going to generate a word cloud that’d give a brand consultant heart palpitations. Paternalistic. Risk-averse. Sensible. Boring. And who could blame them? For the majority, their encounters with insurers have been characterised […]

Travel’s back. But has it changed forever?

“Revenge travel”, “trip stacking”, “pent-up demand”. Call it what you will, but one thing’s for sure: travel’s back with a vengeance. Director general of the International Air Transport Association (IATA) Willie Walsh revealed in May that passenger air travel is expected to return to pre-COVID levels by 2023, a year earlier than predicted, while total […]

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.