VerifyNowVerification that spans quote, bind & claim.
Home Affairs ID verification, vehicle & VIN lookup, driver's licence decode, bank account verification, AML/PEP screening and face match — the building blocks underwriters, brokers and claims teams use to run FICA-aligned CDD and defensible claim decisions.
The services behind every policy
The seven VerifyNow services insurers, underwriters, brokers and claims teams most commonly combine — at quote, at policy bind and at claim.
SA ID Verification
Confirm a policy-holder or claimant identity against Home Affairs at quote, at onboarding and again at claim — returning name, date of birth, ID status and the official photograph.
Vehicle & VIN Lookup
Resolve a vehicle registration or VIN into make, model, year and recorded history for motor underwriting sanity-checks and claims investigation.
Driver's Licence Decode
Decode the PDF417 barcode or licence number for the licence class, valid dates and licence status — useful at motor quote and at claims triage.
Bank Account Verification (AVS)
Verify the account the premium debit is collected from and the account a claim is paid into, confirming the account holder name and ID match the policyholder on record.
AML / PEP / Sanctions Screening
Screen policyholders, trustees and beneficial owners against PEP and sanctions lists for larger life policies and investment-linked products subject to Section 21 CDD.
Face Match
Match a live selfie against the Home Affairs photograph for remote claim-stage identity proofing and for step-up on suspicious claim indicators.
Consumer Trace
ID-led trace of recorded contact details and addresses for suspected non-disclosure or claims fraud investigations — authorised under NCA Regulation 18(4)(b).
Workflows across the policy lifecycle
Four scenarios that chain these services into a single underwriting, bind or claim decision.
- 01
Motor insurance quote
Take the vehicle registration and the proposed insured's ID number, run Vehicle & VIN Lookup to confirm the asset, run SA ID Verification on the insured, and decode the Driver's Licence to confirm licence class and validity before producing a binding quote.
Vehicle & VIN LookupSA ID VerificationDriver's Licence Decode - 02
New policy onboarding
At policy bind, run SA ID Verification on the policyholder, run AML/PEP where the policy exceeds your risk-based threshold (common on life and investment-linked products), and run Bank AVS on the premium-debit account.
SA ID VerificationAML/PEP ScreeningBank AVS - 03
Claim intake
At first notification of loss, re-verify the claimant's ID, capture a selfie and match it with Face Match, and — for a motor claim — re-run Vehicle & VIN Lookup to confirm the claimed vehicle matches the vehicle on risk.
SA ID VerificationFace MatchVehicle & VIN Lookup - 04
Suspected fraud or non-disclosure
If a claim or application is flagged for investigation, run Consumer Trace against the ID to reconcile recorded contact details, addresses and alternate numbers on file — feeding the investigation under a legitimate-interest fraud-prevention basis.
Consumer TraceSA ID Verification
FICA, FSCA, PPR and POPIA
Long-term and short-term insurers are accountable institutions under FICA Schedule 1 Items 9 and 10, with the full customer due diligence (Section 21), enhanced due diligence (Section 21A), record keeping (Sections 22–23), and suspicious- and cash-transaction reporting obligations (Sections 28 and 29). The verification evidence VerifyNow returns per check — identity, vehicle, account ownership, PEP/sanctions status and face match — is the evidence a board-approved Risk Management & Compliance Programme (Section 42) is built on top of.
Insurance conduct sits under the FSCA, which administers the Policyholder Protection Rules (PPR) issued under the Long-term and Short-term Insurance Acts. PPR sets outcomes-based standards for how policyholders are treated — including fair claims handling — and a documented, auditable verification record at quote, bind and claim is the natural evidence trail for those outcomes. Intermediaries registered under FAIS carry their own licensing and fit-and-proper obligations in parallel.
Every personal data point processed through VerifyNow is handled in line with POPIA, covering lawful processing, purpose specification, security safeguards and data-subject rights.
Insurance questions
Are insurers FICA accountable institutions in South Africa?
Yes. Long-term (life) insurers and short-term (general) insurers are accountable institutions under FICA Schedule 1 Items 9 and 10, and insurance brokers registered under the FAIS Act are captured under related items. That means a policy-issuing insurer owns its own customer due diligence (Section 21), enhanced due diligence (Section 21A), risk management programme (Section 42) and reporting obligations to the FIC, regardless of who supplies the underlying verification data.
Can I verify a claimant remotely?
Yes. The SA ID Verification and Face Match services together let a claims team verify a claimant end-to-end without requiring a branch visit: an ID-number lookup confirms identity against Home Affairs, and a live selfie is matched to the Home Affairs photograph. This is commonly used for claim-stage identity proofing on motor, household and life policies.
How does vehicle lookup help with claims and underwriting?
Vehicle & VIN Lookup resolves a vehicle registration or VIN into make, model, year, colour and historical records, so an underwriter can sanity-check a motor quotation before binding and a claims handler can cross-reference the claimed vehicle against the vehicle actually on risk. Paired with Driver's Licence Decode it also supports licence-class and disc-date checks at quote stage.
Do you integrate with underwriting and claims systems?
Every verification service is available over a REST API alongside the dashboard. Insurers typically call the API from a policy administration system, a claims workbench or a fraud engine — see /api-docs for the endpoint reference, authentication and example payloads.
How does this align with POPIA and the Policyholder Protection Rules?
Insurance personal information is processed in line with POPIA, which governs lawful processing, purpose specification and data-subject rights. The Policyholder Protection Rules (PPR), issued under the Long-term and Short-term Insurance Acts and administered by the FSCA, set outcomes-based conduct standards for dealing with policyholders — including fair claims handling — which is the exact context a remote, auditable verification record is designed to support.
Defensible decisions at quote, bind & claim
Create a free VerifyNow account and start wiring ID verification, vehicle lookup, AVS, AML/PEP and face match into your underwriting and claims flow.