Claims Investigator Interview Questions UK: 8 Real Questions and What Interviewers Want

Most Claims Investigator interviews in the UK follow a pattern, and knowing it beats guessing. Below are eight questions from our bank of 12, each with a note on what the interviewer is really after.

Eight Claims Investigator interview questions, and what the interviewer is thinking

1. What legal powers and remedies does an insurer have when it discovers a fraudulent claim, and how do they shape your investigation?

Why they ask: They want to see that you understand the legal framework behind civil and criminal fraud outcomes.

2. How do you use open-source intelligence and surveillance in an investigation, and what limits apply?

Why they ask: They want to see practical investigative skill combined with lawful, proportionate conduct.

3. How would you structure and conduct an interview with a claimant you suspect has exaggerated their claim?

Why they ask: They want to see interviewing skill, fairness and evidence handling.

4. What industry databases and intelligence sources would you use during an investigation, and how do you share information lawfully?

Why they ask: They want to see familiarity with the UK counter-fraud infrastructure.

5. Why do you want to work as a claims investigator, and what makes someone good at it?

Why they ask: They want to see motivation and a sense of the balance between investigation and fairness.

6. Surveillance footage shows a claimant who says they cannot lift anything carrying heavy shopping and playing football. How do you proceed?

Why they ask: They want to see careful, fair use of evidence rather than jumping to conclusions.

7. A member of the public phones anonymously and says their neighbour's insurance claim is fake. What would you do?

Why they ask: They want to see how you treat tip-offs with scepticism and proportionality.

8. Tell me about a time you built a fraud case from initial suspicion to outcome.

Why they ask: They want evidence of investigative competence from start to finish.

A sample answer to question 1

What legal powers and remedies does an insurer have when it discovers a fraudulent claim, and how do they shape your investigation?

Section 12 of the Insurance Act 2015 sets out the remedies for a fraudulent claim: the insurer is not liable to pay it, can recover any sums already paid, and may treat the contract as terminated from the date of the fraudulent act, keeping the premium. For personal injury claims, section 57 of the Criminal Justice and Courts Act 2015 requires the court to dismiss the whole claim if the claimant is found fundamentally dishonest, unless that would cause substantial injustice. Criminally, the Fraud Act 2006 covers fraud by false representation, failure to disclose and abuse of position, and cases can be referred to the police, such as the City of London Police's Insurance Fraud Enforcement Department, or sometimes prosecuted privately. These shape my work because I must collect evidence that would stand up to scrutiny, whether in a civil defence, committal for contempt for false statements or criminal prosecution. I therefore keep clear records, secure evidence properly and make decisions on proportionate, lawful grounds.

Common mistake to avoid: Quoting law without linking to evidence; Confusing civil and criminal routes

Want the rest?

Full model answers, key points and common mistakes for all 12 questions are on the Claims Investigator interview questions page. The first five are free, no sign-up needed.