H C & I is a specialist investigation service providing a wide range of services to the Insurance and Legal sector. With more than 35 years experience H C & I Limited provides a back to basics approach on investigations, supported by cognitive interview techniques and intelligent data systems, we are able to provide flexible yet consistent and reliable services to our clients.

With extensive experience in both private and commercial sectors we work in close partnership with and employ leading experts in the field of fraud prevention and detection. We are committed to providing a high quality service and the licensing requirements as set out in the BS 10200 Code of Practice for the provision of investigative services.

About Us

Our highly trained office team and field force investigators, together with our bespoke information databases enable us to carry out enquiries of the highest calibre. Operating on a national basis we cover all types of enquiry from complex fraud enquiries to tracing individuals and covert surveillance.

We specialise in the investigation of insurance claims utilising many innovative and successful solutions for tackling all types of fraud. We enjoy a strong and successful business relationship with many leading and specialist insurers, law firms, financial institutions and other companies.

Through many years of experience gained at senior level within the insurance and commercial world, we pride ourselves on having a detailed working knowledge and understanding of the technical issues that our clients are dealing with on a daily basis. It is with this knowledge that we are able to provide sound practical guidance and advice to assist our clients in achieving the best possible outcome in terms of both customer service and shareholder value.

Our Services


We offer a range of investigation services to both the insurance and legal profession to assist in the claims validation process thereby protecting the interest of our clients business. Our services within this field include:

  • Motor Fraud Investigations
  • Pre litigation Investigations
  • Motor Fire & Theft Investigations
  • Motor Liability Investigations
  • Indemnity Investigations
  • Locus Reports
  • Witness Statements
  • Credit Hire Investigations
  • Low Velocity Impact Investigations


We apply the same vigorous approach in relation to the investigating of household claims as we do with our Motor Fraud and Theft Investigations. All cases are approached with an open mind enabling previously undetected contrived and opportunistic fraudulent claims to be identified. Should any adverse indemnity issues materialise during the interview, we will secure a separate indemnity statement enabling the client to proceed with confidence. Our reports include appropriate statements, plans and photographic evidence to assist in the claims decision process.

Covert Surveillance

Our specialist operators are skilled and able to fit into all walks of life in order to provide clients with accurate information and intelligence – enabling more informed decisions to be made and allowing better planning for the future conduct of any potential threat to their business. We employ only the most experienced and technically trained surveillance operatives – drawn from the services, we are able to provide the most versatile surveillance teams available. Our teams are able to observe in practically any situation or environment.


Covering in excess of 100 languages, we can supply and arrange interpretation services on any existing instruction where the need arises or can offer this as a stand-alone service.

We recognise that many Law firms are under instruction from their insurer client as to the preferred firm of investigators. These firms in many instances however do not have the facility to supply qualified interpreters when the need arises. It is in recognition of this fact, we offer this service as a stand alone service working in association with any other firm that may require the need of an interpreter.

All interpreters are all fully qualified and accredited members of the NRPSI and subscribe to the code of professional conduct.


Trace and recovery working with our intelligence led investigations, we are able to trace individuals and implement recovery of assets on behalf of our clients.


As with our interpreter service, we offer a full translation service for some 100 languages. We are able to assist in the translation of statements and documents in readiness for court proceeding or simply to assistance in the business process.

London Market

Our specialist services extend to those of the London Market, whether that be high volume or single large loss investigations.

The unique services offered cut across all sectors from EL and PL to Property and Travel. We are able to work closely with Insurers and re insurers alike in achieving the best possible result for our clients.

Training & Consultancy

Working with our clients, we offer very specialist and bespoke training aimed at the FNOL & First response teams addressing issues from conversation management and Indemnity through to issues such as Article 75 Status.

Contact Us

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Feel free to contact us by either using the form under our “Contact Us” Section or by contacting us on one of the below.

H C & I Limited
Fourth Floor
Victoria House
Victoria Road

07510 622 772


Our Offices