TDS Risk
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Insurance · Motor · Home · Life

Detect ghost broking and insurance application fraud before underwriting

Add live mobile risk intelligence to insurance fraud detection at quote capture—before fraud databases, underwriting or manual review. TDS Risk helps insurers surface carrier-derived signals relevant to ghost broking, application fraud and policy account takeover while keeping every decision inside the insurer’s own rules.

✓Check mobile-number risk at the start of an insurance quote or policy journey
✓Identify recent SIM activity, high-risk line types and inactive numbers
✓Add carrier-derived evidence to insurance fraud detection models
✓Assess sensitive renewal and mid-term adjustment journeys
✓Preserve the score, signals and reason codes in an auditable record
<2s
Per check
4
UK carriers
<10m
To go live
£0.35
Flat rate
Trust Score — Live Live signal
820 / 1000
riskLevel
4 — 720h+
lineType
mobile
phoneRisk
false
carrier
EE
Upstream Impact Pays for itself
Upstream Checks Run
90,000
Bad Submissions Blocked
19,800 / month
Downstream Cost Avoided
£138,600
Net Monthly Impact
+£107,100
Example Trust Score response 200 OK
{ "trustScore": 820, // 0–1000. Higher = more trusted "riskLevel": 4, // 4 = no SIM swap in 720+ hours ✓ "simTimestamp": "2023-05-22T03:48Z", // Last SIM event "indicators": ["PT"], // PT = ported · info "carrier": "EE", // Mobile network "lineType": "mobile", // Not VoIP, not landline ✓ "phoneRisk": false, // Not on shared fraud lists ✓ "callDivert": false, // Call forwarding signal ✓ "countryCode": "GB" }
The problem

Where TDS Risk adds an earlier fraud signal

👻

Ghost broking

A ghost broker may use a newly activated, short-tenure or unsuitable number when submitting a fraudulent insurance application. Before the quote becomes a policy, Trust Score checks line type, number tenure, ownership stability and other live carrier-derived risk signals.
🚗

Fronting and application fraud

An applicant may list a lower-risk person as the main driver or submit identity details belonging to someone else. Before issuing cover, Mobile KYC checks whether the submitted name, address and date of birth match the subscriber information held by the mobile network for the exact number used on the application.
🔄

SIM swap and policy account takeover

A fraudster takes control of a customer’s mobile number, then requests changes to contact, payment or policy details. Before accepting the change or trusting an OTP, Trust Score checks whether the SIM linked to the number has recently changed, helping identify possible SIM-swap and account-takeover risk.
📊

Insurance fraud-checking costs

An insurance quote can trigger paid identity checks, fraud-bureau searches and manual review before the mobile number is assessed. Running TDS Risk at Step 0 helps route higher-risk applications earlier while allowing low-risk customer journeys to continue normally.
"

Check the mobile number before the expensive insurance journey begins. The signals support your fraud controls; they do not replace them.

TDS Risk principle
⬆ Upstream check

TDS Risk sits at quote capture or before a sensitive policy action. It adds carrier-derived mobile intelligence before the insurer runs more expensive fraud, rating or underwriting processes.

£0.35
Trust Score / check
<2s
Response time
Where TDS Risk sits

Upstream. Before the costs hit.

TDS Risk does not replace your fraud stack. It adds mobile-number intelligence before or alongside it, allowing your existing rules to decide what happens next.

← You are here
📡
TDS Risk check
Trust Score at quote start. VOIP detection, SIM swap, lineType.
£0.35
→
Step 2
🔍
Fraud bureau check
SIRA, IFB, insurance-specific fraud databases.
£0.50–£1.50
→
Step 3
📊
Credit / rating check
Credit-based rating factors and risk scoring.
£0.50–£1.50
→
Step 4
📋
Underwriting
Risk assessment and premium calculation.
£3–£15
→
Step 5
❌
Fraud claim or ghost policy
Invalid claim, ghost policy, or regulatory action.
£1,000+
The maths is simple: if your combined downstream cost per fraudulent submission exceeds £0.35, and TDS Risk catches even a fraction of those submissions, the upstream check pays for itself — while protecting every system downstream.
5–10%
Typical fraud rate in UK insurance quote flows
£3–£15
Downstream cost per fraudulent quote reaching underwriting
£1.3bn
Detected insurance fraud cost to UK industry annually (ABI estimate)
£0.35
Cost of a TDS Risk check — at quote capture, before any downstream cost
Signal depth

Carrier signals that matter for insurance

Reason codes to watch

lineType

string
Shows whether the submitted number is mobile, landline, VoIP or another supported classification.

trustScore

integer 0–1000
A composite carrier-derived score that can be used as an additional feature in quote, policy and fraud rules.

riskLevel

integer -1 to 4
Indicates the recency band for the latest available SIM change information.

phoneRisk

boolean
Indicates whether the number appears on supported public shared-phone sources.

carrier

string
Returns the live serving carrier for the number at the time of the check.

simTimestamp

string
The available timestamp for the most recent SIM change, useful when assessing sensitive policy actions.
RLHigh-risk line type or related routing signal
LSLow-tenure SIM; SIM change within 90 days
PNPhone number was not active
CFCall forwarding was enabled
NMNumber was not a mobile line type
INNumber country differed from the requested country
PTNumber had been ported
WSSIM timestamp was not factored into the Trust Score

Add mobile risk to insurance fraud detection

Use the TDS Risk mobile risk API at quote capture or before sensitive policy actions. Add live carrier signals to ghost-broking, application-fraud and policy-takeover controls in a typical response time of under two seconds.

£0.35 per Trust Score check · Credits never expire · Does not affect credit files · ICO Reg. ZB300553