Insurance Fraud in the Deepfake Era: What Italy’s New IVASS Draft Regulation Changes

On 23 March 2026, Italy's insurance regulator IVASS opened a public consultation on a new antifraud reporting framework for motor liability claims. The proposed regulation is not a simple procedural update — it signals a structural shift in how Italian insurers are expected to track and report fraudulent activity in an era when artificial intelligence can fabricate evidence at scale.

The scale of the problem

The numbers are striking: in 2023, potentially fraudulent claims in Italy reached 21% of all motor claims — up from 16% the previous year. Globally, 46% of fraud prevention specialists reported encountering identity-based or AI-generated fraud, with an average loss exceeding $280,000 per incident. Deepfake attacks on insurers grew 19% in the first four months of 2025 compared to the full year 2024.

Generative AI has opened an unprecedented front both at the contract underwriting stage and at the claims settlement stage. Italy’s regulator IVASS, taking note of today’s technological landscape, aims to expand the categories of phenomena considered ‘fraudulent’, innovating and increasing the types of data subject to detection and reporting through the INFOSTAT platform.

What changes for Undertakings

The proposed framework requires insurers to report fraud with greater granularity across three newly defined categories:

• Identity theft in motor claims (fictitious policyholders or beneficiaries)
• Fictitious vehicle registrations used as a fraud vehicle
• Claim denials — where policyholders dispute claims they had previously filed

For Claims Managers and Technical Directors, this means more structured investigation workflows, advanced content verification technology, and specialist expertise in detecting digitally manipulated evidence.

How Claim Expert responds

Claim Expert has partnered with IdentifAI, an Italian deepfake-detection startup, to integrate AI content verification directly into the claims handling process. IdentifAI's platform analyses images, videos, and audio files to determine — with high probability — whether the content is authentic or produced by a generative AI system.

The combination of Claim Expert's 15+ years of operational anti-fraud expertise and IdentifAI's detection technology gives insurers access to a fully operational outsourced capability — no internal infrastructure required, and already aligned with the direction of the new IVASS regulation.

How Claim Expert Intervenes

The IVASS consultation is still open. Now is the time for insurers to assess whether their anti-fraud processes are ready for the new regulatory framework. Claim Expert offers operational gap assessments and, where needed, immediate integration of AI detection capabilities through our partnership with IdentifAI.

Contact us to find out how to structure an anti-fraud process that is ready for the new regulatory demands.