Please be Honest and Provide Evidence: Deterrents of Deception in an Online Insurance Fraud Context

The present experiment examined whether people could be deterred from lying in an online insurance claim setting. A total of 96 participants were asked to submit a theft insurance claim. Reflecting real life, submitting a claim that went beyond the actual costs of the stolen items was associated with advantages and disadvantages. Two deterrence factors were introduced: asking claimants to provide evidence that they actually owned the stolen items (Evidence Instruction, often used by insurers) and asking participants to read out before starting to submit the claim that they will be truthful (Honesty Statement, not often used by insurers). We also examined at what stage of the interview claimants embedded their lies in their otherwise truthful stories. The honesty statement but not the evidence instruction made claimants more honest, and participants lied more as the interview progressed.