Swiss Re’s recent SONAR 2025 report flags an alarming trend: insurers are increasingly facing deepfakes, disinformation, and AI-driven deception, which threaten claims integrity and digital trust.
The Rising Risks for Insurers
1. Surge in Fraudulent Claims Involving AI-Generated Media
Swiss Re notes insurers are seeing a rash of low-value but high-volume fraudulent claims—especially motor and property claims—backed by AI-altered photos, videos, and documents . Fraudsters use tools like Midjourney to simulate damage, deceiving both claim handlers and automated systems.
2. Amplified Operational Costs & Trust Decline
AI-based fraud raises operational costs significantly. Swiss Re warns that insurers must ramp up verification systems or risk loss of customer trust, damage to underwriting integrity, and increased liabilities
3. Deepfakes in Cyber & Professional Liability Claims
Beyond property claims, deepfakes can be weaponized in cyber‑insurance and professional indemnity contexts. Fake video testimonies or doctored executive communications could be used to manipulate legal or liability outcomes.
Should Insurers Be Worried?
A compelling demonstration by an insurance professional on LinkedIn shows how easy it is to create a fabricated “damage inspection” video. The video simulates water damage—complete with believable motion and contextual environment—highlighting how easily deceptive content can mimic legitimate claim evidence.
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The motion is fluid and realistic.
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No obvious visual artifacts or distortions.
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Created with AI tools available today!
In summary, insurers can no longer trust basic image or video evidence as proof of loss.
Why Traditional Defenses No Longer Work
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Proof by video no longer holds up
Simple photos can be animated into a believable “proof of damage.” -
Metadata alone isn’t reliable
Common attacks like generative AI edits or screen-capture playback break digital provenance -
Manual reviews can’t scale
With claims adjusters handling high volumes, photo manipulations or deepfakes can easily slip through unflagged.
How Attestiv Protects Insurers from Deepfake Claims
Attestiv delivers a powerful, multi-layered defense designed specifically for these threats:
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Real-Time Image & Video Forensics
Detects inconsistencies and manipulations through AI analysis at scale. -
Contextual Fusion
Combines device fingerprinting, upload history, and content meta-analysis to detect suspicious anomalies. -
Embedded Workflow Integration
Through APIs or UIs, Attestiv integrates directly into claims intake systems for automated checks. -
Human-in-the-Loop Escalation
Suspicious cases are flagged with forensic details for expert reviewer analysis, supporting decisive action.
Benefits of Deepfake Protection with Attestiv
| Threat | Attestiv Approach | Positive Outcome |
|---|---|---|
| Fake claim photos or videos | Automated forensics & flagging | Fewer false payouts |
| High claims volume | Efficient, cloud-based processing | Scalable, consistent workflows |
| Trust erosion | Transparent media validation | Efficiencies of self-service and automation |
| Compliance pressure | Audit-ready security and privacy. | Regulatory compliance |
Final Word: Don’t Assume Photos and Videos Are All That’s Needed
Swiss Re already warns that deepfake fraud is happening across insurance lines. The risk is clear: AI is enabling fraud at scale.
The solution? Layered media verification ensuring you trust the evidence before accepting the claim.
See how Attestiv empowers insurers with AI-powered deepfake detection:
Explore Deepfake Protection for Insurance
