Effect of anti-fraud mechanisms on motor insurance fraud and the moderating effect of corporate governance in Nairobi County, Kenya

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dc.contributor.authorJoel, H. M.
dc.date.accessioned2026-01-29T15:16:29Z
dc.date.available2026-01-29T15:16:29Z
dc.date.issued2025
dc.descriptionFull - text thesis
dc.description.abstractThe study was motivated to establish the effect of anti-fraud mechanisms on the motor insurance fraud and the moderating effect of corporate governance in Kenya, Nairobi County. This was specifically addressed by ascertaining how the preventive and detective anti-fraud mechanisms impact the motor insurance fraud among the insurance firms located in Nairobi County, Kenya and the moderating effect of corporate governance. This study was underpinned by the Fraud Management Lifecycle and the Fraud Triangle theories. Descriptive correlational design involving the collection and analysis of primary data was used to show how motor insurance fraud among the insurance firms in Nairobi County is influenced by the preventive and detective anti-fraud mechanisms. The target population of the study was 35 insurance firms in Nairobi County licensed by IRA. The units of observation consisted of 5 claim assessors and 5 insurance underwriters in each given insurance firm. This summed up to 350 respondents and census methodology was employed to study all the given respondents. Structured questionnaires was used by the researcher to suitably obtain primary data that was in quantitative form from the respondents in order to address the study objectives. Descriptive and multiple linear regression tools were used to analysis. The regression results observed that the implementation of the most effective preventive and detective antifraud mechanisms significantly reduces motor insurance fraud among the motor insurance firms in Nairobi County, Kenya. The results also observed that corporate governance considerably moderates the negative relationship between preventive anti-fraud mechanisms and motor insurance fraud among motor insurance firms in Nairobi County, Kenya. The management should invest in fraud training programmes to the employees and to the general public through one-one sessions, social media advertisements and through their websites. This will help deter fraudsters from falsifying claims such as editing digital insurance certificates or stage-managing accidents. The policy makers through the IRA and the Parliament of Kenya should create laws which will ensure that each motor insurance firm has an internal audit department, conduct fraud awareness training programmes at least 4 times every quarter of the year especially to the new employees and conduct serious background checks of both the employees and the insured motorists in order to discourage motor insurance fraud from being perpetuated. Moreover, the IRA should ensure that all the motor insurance service providers have registered with the IMIDS and frequently updates it with the relevant information claimants since it plays an important role in flagging down fraudulent claims before a fraud loss is experienced.
dc.identifier.citationJoel, H. M. (2025). Effect of anti-fraud mechanisms on motor insurance fraud and the moderating effect of corporate governance in Nairobi County, Kenya [Strathmore University]. http://hdl.handle.net/11071/16041
dc.identifier.urihttp://hdl.handle.net/11071/16041
dc.language.isoen
dc.publisherStrathmore University
dc.titleEffect of anti-fraud mechanisms on motor insurance fraud and the moderating effect of corporate governance in Nairobi County, Kenya
dc.typeThesis
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