Discover the advanced solution to empower your anti-fraud and marketing strategies.

Just 3 seconds to investigate 100% of your claims, identify hidden fraudulent connections, assess risk and personalise your offer. That’s where Sherlock Detection comes in to empower your fraud detection and marketing strategies. Artificial intelligence, proprietary machine learning techniques, an insurance fraud analytics engine, and more than 200 expert rules: Sherlock Detection is the innovative Software as a Service developed by CRIF to help pet insurers speed up and optimise claims management, identify the most profitable/less risky areas, boost marketing initiatives, and highly personalise both their offer and pricing.

Providing you an intuitive and comprehensive risk assessment report, including a fraud risk score.


crif-sherlock-reportHow Sherlock Detection works

Thanks to Sherlock Detection, pet insurers can immediately and confidently make claims decisions informed by easily assimilated, evidence-based intelligence rather than relying on traditional, unexplained black box rules. Genuine claims can be settled swiftly for a seamlees the customer journey.

Sherlock Detection can integrate any internal and external information sources and analyse the results using innovative machine learning and AI-driven risk assessment capabilities.
Over 200 expert rules, which can be supplemented and tailored by the insurer, complete a claims risk assessment in under three seconds. AI and proprietary machine learning techniques, fed by claims data as it is uploaded into the system, continually adapt and deliver a predictive accuracy far greater than manual analysis and traditional algorithms.

For each claim, Sherlock will provide 3 indices: the Expert Index based on expert rules, the Anomaly Index based on machine learning and the Risk Index, which is a balanced combination of the other two, so you can immediately see the overall evaluation. 

Sherlock Detection provides the insurer with a fraud risk score for every claim supported by an intuitive report, written in simple business language, which evaluates the level of anomaly for each claim.

What are the benefits for pet insurers?

  • Get a complete claims risk assessment in just a few seconds.
  • Evaluation of the level of anomaly for each claim, identifying hidden connections between parties involved in past and present claims, and preventing and managing both opportunistic and organised claims fraud across multiple lines of business.
  • A reduction in operational overheads and an improved overall customer experience.
  • Automate and fasten internal processes to effectively deliver services via remote working models and adapt to a rapidly changing operating environment. Claims and fraud teams can have the ability to share information and utilise normal checks virtually and cohesively to offset vulnerabilities.
  • Application of the CRIF insurance fraud analytics engine and multiple techniques: business rules, AI and proprietary machine learning techniques, anomaly detection and network link analysis to automatically and selectively manage claims based on relevancy.
  • Non-invasive and agile, Sherlock is a Software as a Service (SaaS).
  • Flexible and complementary, it is suitable for insurance companies with or without an existing anti-fraud platform in place.

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Products and Services

CACHE Pet. Pet Claims Insurance Bureau

​CACHE Pet gives insurers a centralised platform where they can share and query industry pet claims data and related industry data bases to support the claims investigation process and identify claims anomalies, serial claimants, and emerging fraud trends.