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Insurance Claims Register

The Insurance Claims Register (ICR) was established in 1999. It enables insurance companies to check the accuracy of the data submitted with policy applications and claims.

Insurance fraud is a crime and a cost to our community and every policyholder.


The Insurance Claims Register (ICR) detects and prevents fraud, particularly purposeful non-disclosure and double dipping at claim time.

Unfortunately, the old adage of 'utmost good faith' is no longer working. Fraud is costing honest policyholders around $615 million per year. Current estimates suggest between 5% and 10% of claims are fraudulent.

The ICR is an independently run database that holds a record of all claims lodged with participating insurance companies. It allows those companies to access the claims history of any client for the specific purpose of checking for fraud when underwriting new business or processing claims.


Agreement to having your claims on the ICR will be a condition of doing business with any participating insurer. All participating insurers tell their clients their claims will be logged in the ICR, and have privacy advice on all proposals, renewals and claim forms. 

Customers have the right to object to their information being logged in the ICR. Insurers, equally, have the right not to insure customers who object to their claims being held in the Register

If at claim time a customer objects to their claim information being held in the ICR because the privacy advice was not on the proposal or renewal form, the insurance company will not place the claim information in the ICR.

All customers who have claims in the ICR have the right to access the information held about them at any time and to seek changes to that information if it is warranted.

Only authorised staff members at participating insurers are able to access the ICR.

The ICR logs who is accessing it and what types of enquiries are being made via electronic footprints.

Access to personal information

You are entitled under the Privacy Act 1993 to know whether any information is kept on you and what that information is.

To find out if your information is in the ICR, download and complete a personal information request form.

Download the form (PDF, 105KB)

You will be asked to provide proof of your identity. You can do this by getting your identity verified by a Justice of the Peace or a Police officer before submitting the form. These requirements help protect your private information from being released to other people.

Send your verified ID and your completed form to your insurer. The information requested will be processed and any information held will be sent to your nominated address.

Join the ICR

Insurers who operate in New Zealand may join the ICR. To find out more or apply, email