Axle, a provider of a universal API for insurance data, has announced a strategic collaboration with Experian, a global data and technology leader, to integrate real-time automotive insurance verification into Experian’s Fraud Protect platform.
The partnership is designed to strengthen fraud prevention across the automotive retail and lending ecosystem, according to FF News.
By embedding Axle’s real-time insurance data into Experian’s existing fraud workflows, dealerships and lenders can more effectively detect both first-party and third-party fraud, including synthetic identities. The integration also aims to reduce compliance risk and ensure customers have valid insurance coverage before vehicles are released.
Through the integration, Axle’s insurance verification becomes part of Fraud Protect’s consumer-friendly, mobile workflow. Dealers can instantly confirm active insurance coverage within the same process they already use for identity and income checks, without adding friction for customers or operational complexity for staff.
The collaboration also responds to rising fraud risks across the automotive sector. Recent Experian research shows that 70% of dealers and 61% of lenders believe fraud is an increasing threat.
By cross-checking real-time insurance data alongside behavioural and identity analytics, dealers gain an additional signal to identify misrepresented trade-ins, high-risk applicants and potential synthetic identities before they lead to costly chargebacks or buybacks.
Experian Automotive president Robert Granados said, “Fraud isn’t just increasing, it’s becoming more intelligent, exploiting digital retail workflows, identity gaps, and behavioral signals that legacy tools were never built to detect,”. “The future belongs to dealers who use advanced data and analytics to stay ahead of emerging risk. Integrating Axle’s real-time insurance verification into Experian’s Fraud Protect empowers dealers to assess additional identity and vehicle components to mitigate potential fraud risk and protect their portfolios.”
Axle co-founder and COO Armaan Sikand said, “Our joint effort with Experian allows dealerships and lenders to use insurance data not just for compliance, but as a powerful fraud-prevention resource,”. “By embedding Axle directly into Fraud Protect, dealers can instantly verify insurance and gain clarity on whether a customer is properly covered – reducing risk while creating a seamless experience for the buyer.”
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