Criminal Prosecution for Insurance Fraud in Amsterdam

Insurance fraud in Amsterdam falls under Articles 326 and 359 of the Criminal Code: fraud and forgery. Maximum penalty: four years' imprisonment and €90,000 fine. The Public Prosecution Service in Amsterdam applies the guideline of 90% transaction in minor cases, but prosecutes systematic fraud in the city. Evidence: witnesses, forensic investigation and data exchange via FIOD and the Amsterdam police. Insurers report via the National Insurance Fraud Reporting Centre, with intensive cooperation with the Amsterdam FIOD office. Victims of fraudulent claims, often Amsterdam entrepreneurs, are deemed injured parties with speaking rights at the Amsterdam District Court. The Amsterdam Court of Appeal confirmed in 2023 that simulating injury in bicycle accidents is seriously punishable, with a notable case around the canals. Civil law non bis in idem does not apply; parallel proceedings before the Amsterdam sub-district court possible. Recovery of fine and compensation via WM3 rules, with local pilots for quick settlement. Prevention through education by the Municipality of Amsterdam and AI detection for port and real estate fraud. Annually 1,500 Amsterdam cases, with €30 million damage due to urban risks such as burglaries and traffic claims. Suspects have right to counsel via the Amsterdam bar and evidence request. International fraud via Schiphol affects extradition treaties with emphasis on port controls. This regime effectively discourages abuse in the vibrant metropolis. (212 words)