esure blocks up to 90% of application fraud in real-time

The Ambition

As part of a wider transformation, esure had modernised its core systems, and turned its attention to how the rest of its IT ecosystem, including fraud controls, could deliver more.

National SIRA and the SIRA case management platform were already central to esure’s policy and claims strategy. With proven results, migration-ready APIs, and growing capabilities, SIRA was the clear choice to build on. The upgrade gave esure the chance to get more from a solution they already trusted - with new ways to drive speed, control, and efficiency.

The Solution

esure upgraded from SIRA Batch to Enhanced Real Time (ERT), with Outcome Orchestration (OO) overlaid. ERT enables fraud checks at any point in the customer journey, returning results in under 5 seconds. OO adds flexible, rules-based control over how decisions are acted on.

Introducing both during a broader systems upgrade required tight coordination. As Enterprise Fraud Lead Andy Nixon noted, Synectics was always part of the plan, combining strong product performance with deep operational knowledge.

The move to ERT and OO was a clear decision. The benefits in fraud detection, cost reduction, and operational efficiency made it, in Andy’s words, “a no-brainer”.

The Results

“The project was seamless, as was the migration of nearly a quarter of a million claims and 1.8 million policies. From early on, between 80 and 90% of fraud was caught by SIRA ERT. That saved us money on aggregators and admin,” says Andy.

Feeding ERT with esure’s historical risk data provided greater context and control. With OO, the team reshaped how fraudulent enquiries were filtered and handled.

“Accurate, real-time decisioning means we automatically accept, decline or block applications and stop far more fraud at the gate. Especially that linked to repeat fraudsters and synthetic identities”, Andy adds.

The shift transformed esure’s fraud operations. Previously, the Policy Fraud Team reviewed SIRA matches manually. Now, automated decisioning blocks volumes equivalent to a month of investigative effort, with live visibility from quote through to policy, mid-term adjustment, and First Notification of Loss.

What’s Next:

With ERT and OO embedded, esure is extending the same speed, control, and automation to other parts of the fraud lifecycle. That decision reflects the strength of the partnership so far.

As Andy puts it: “Synectics are a constant support. They balance project delivery and BAU smoothly, and manage changes without slowing progress.”

About our client

esure Group is one of the UK’s leading providers of motor and home insurance, operating under the esure and Sheilas’ Wheels brands.

Founded in 2000, the group combines scale and heritage with an insurtech mindset - earning the trust of over 2 million customers while adapting quickly to change.