Claims redaction is the removal of personal data from a claimant's loss file. FCA ICOBS 8.1.1R requires an insurer to handle claims promptly and fairly, not to reject a claim unreasonably, and to settle once terms are agreed. Insurance Act 2015 s.13A, added by the Enterprise Act 2016, implies a term that a claim is paid within a reasonable time. anonym.plus marks each item on your device, so the incident facts stay useful while the identifiers go.
When this applies
A claim record holds the claimant's bank details, contacts, and incident notes. A loss adjuster or solicitor needs the facts and the loss codes, not the account number. You trim those fields before the paperwork moves on, and the settlement clock under s.13A keeps running either way.
How anonym.plus handles it
- Open the file in anonym.plus on your device.
- Local OCR reads scanned receipts and forms.
- The tool flags names, accounts, and contacts.
- Keep claim references and loss codes intact.
- Swap or black out the confirmed entries.
- Save the clean copy locally.
What you need to provide
- The loss file (PDF, DOCX, or scan).
- An operator (Replace keeps the notes readable).
- Optional allow-list for claim and policy numbers.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | claimant Reyes → [CLAIMANT] |
| Financial | UK_BANK_NUMBER | settlement acct 7782 → [ACCOUNT] |
| Identifiers | UK_NINO | JT 60 22 44 C → [NINO] |
| Contact | PHONE_NUMBER | +44 117 496 0782 → [PHONE] |
| Dates | DATE_TIME | DOB 1990 → [DOB] |
| Location | LOCATION | loss address, Cardiff → [ADDRESS] |
Compliance achieved
- Aligns onward sharing with the prompt and fair handling required by FCA ICOBS 8.1.1R.
- Adds no delay to the reasonable-time payment term implied by Insurance Act 2015 s.13A (inserted by the Enterprise Act 2016) — the run is local and takes seconds.
- Keeps claim references and loss codes whole, so a complaint later referred to the Financial Ombudsman Service under the FCA DISP rules can still be traced.
- Supports lawful sharing of claimant data under UK GDPR and the DPA 2018.
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Limitations & cautions
A loss narrative can name a unique fact that points to the claimant. The tool flags named items, not every indirect clue, and it does not judge whether a rejection is reasonable under ICOBS 8.1.1R. Read the notes before you share the file.
Frequently asked questions
Whose data should I redact in a claims record?
The claimant's personal data is the usual target: accounts, contacts, and identifiers. Third parties and witnesses named in the notes count too. anonym.plus flags each for review.
Does redaction slow a claim down?
No. ICOBS 8.1.1R requires prompt and fair handling, and Insurance Act 2015 s.13A implies payment within a reasonable time. The pass runs locally in seconds, with no upload and no queue.
Will my claim references survive the pass?
Yes. Use the allow-list to protect claim and policy numbers, so the file can still be traced if the complaint reaches the Financial Ombudsman Service.