This study aims to explore the current trends in fraud prevention in the insurance industry in Russia. Survey responses from 20 experts and professionals of the leading insurance companies in Moscow were collected. More than a half of them are former police officers who work at security or investigation departments. Survey data analysis was employed. According to the experts’ opinion, existing gaps in the legislation and difficulties in cooperation with the police are the main sources of inefficiency of fraud prevention strategies utilised by the Russian insurance companies. The respondents agreed that both insurers and fraudsters actively use new technologies. Fraudulent claims in compulsory third party liability motor insurance remain the most common activity among Russian criminals, although they quickly expand to health and property insurance. Typically, an insurance fraudster is a 34-year-old male with a college/university degree who cooperates with an insurance broker in 42% of cases. Based on this, a set of recommendations aimed at increasing the efficiency of insurance fraud prevention was produced.

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俄罗斯保险欺诈的当前趋势：来自行业专家调查的证据

本研究旨在探讨俄罗斯保险业欺诈预防的当前趋势。收集了来自莫斯科主要保险公司的 20 位专家和专业人士的调查答复。其中一半以上是在安全或调查部门工作的前警察。采用调查数据分析。根据专家的意见，立法中存在的空白和与警方合作的困难是俄罗斯保险公司采用的欺诈预防策略效率低下的主要原因。受访者同意保险公司和欺诈者都积极使用新技术。强制性第三方责任汽车保险中的欺诈索赔仍然是俄罗斯犯罪分子中最常见的活动，尽管它们迅速扩展到健康和财产保险。通常情况下，保险欺诈者是一名 34 岁的具有大专/大学学位的男性，在 42% 的案件中与保险经纪人合作。在此基础上，提出了一套旨在提高保险欺诈预防效率的建议。