Fake Documents in the Name of Swiss Re International S.E.: IVASS Denounces a New Wave of Digital Fraud
IVASS Alert: Fake emails and PECs use Swiss Re’s name. Frauds continue to spread in Italy.
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What IVASS Discovered
On September 1, 2025, IVASS – the Institute for the Supervision of Insurance – reported the presence of a new counterfeit surety policy in the name of Swiss Re International S.E., one of the most well-known international companies in the insurance sector.
The company has officially disowned the document, clarifying that it has no connection with the policy or with the email addresses listed on it.
Specifically, the fake policy included:
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PEC: dircommswrint@pecmail.net
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Email: swreint@swissmail.com
Both addresses are not attributable to the actual company.
How Scammers Operate
The method is now well-established: fake insurance intermediaries pose as collaborators or representatives of large foreign companies, propose surety bonds at advantageous prices, and send documents that are graphically perfect, with logos, digital signatures, and official letterheads.
Behind this, however, there is no insurance coverage.
These are structured digital frauds, using fake websites, PEC addresses, and emails to deceive even the most experienced operators.
IVASS recalled that Swiss Re International S.E. had already been affected by similar cases on:
- November 13, 2020
- September 18, 2023
- June 20, 2025
This is clear evidence of a recurring criminal phenomenon that exploits the prestige of real companies to lend credibility to frauds.
Who is Swiss Re International S.E. and what is its position
Swiss Re International S.E. is an insurance company based in Luxembourg, supervised by the Commissariat aux Assurances (CAA), the country’s supervisory authority.
It is authorized to operate in Italy both under the freedom to provide services regime and the establishment regime (i.e., with a stable base).
It operates in various non-life branches, including Branch 15 – Suretyship, but has no connection with the reported counterfeit policy.
Swiss Re has repeatedly reported the fraudulent use of its name, urging users not to trust communications coming from unofficial addresses.
How to Verify if a Guarantee Policy is Authentic
IVASS urges businesses and citizens to always verify the authenticity of insurance offers before signing or paying.
Here is how to do it correctly:
Check the company on the www.ivass.it website
In the “Lists of Italian and Foreign Companies” section, you can check if the company is authorized to operate in Italy.
Consult the list of companies authorized for the Suretyship Branch
There you will also find instructions for the telematic verification of policies.
Verify the intermediary in the Single Register of Intermediaries (RUI)
Only those registered in the RUI or the European list can distribute insurance products.
Check the list of websites supervised by IVASS
The Institute publishes the updated list of duly registered companies and intermediaries.
Check the counterfeit warnings
On the IVASS website, in the “Consumers – Protect” section, you can consult official warnings about fraud cases.
Contact the company through official channels
Never trust generic email addresses or PECs not listed in the official registers.
What IVASS advises consumers and businesses
IVASS recommends extreme caution when evaluating insurance offers.
- Before any payment or signature, it is essential to:
- Check that the company is registered in the IVASS lists;
- Verify that the intermediary is in the RUI;
- Ensure that contacts and websites are genuinely attributable to the company;
- In case of doubt, contact the IVASS Contact Center at the toll-free number 800-486661 (Mon-Fri, 8:30 AM-2:30 PM).
What to Do if You Receive a Suspicious Policy
If you receive a surety policy in the name of Swiss Re or any other company:
- Do not sign or pay any money.
- Keep all communications received.
- Immediately contact IVASS or the Postal Police.
Request a free check on ItaliaFideiussioni.it, where a specialized consultant can tell you if the document is authentic and indicate the correct solution.
Why Turn to ItaliaFideiussioni.it
In a market increasingly undermined by counterfeiting and fraud, ItaliaFideiussioni.it represents a solid point of reliability and transparency.
We work only with companies registered with IVASS and authorized intermediaries, offering legal, secure, and recognized surety bonds throughout Italy.
Requesting a surety with us means having the certainty of coverage and the peace of mind of not falling victim to fraud.
Visit ItaliaFideiussioni.it to request a free consultation immediately or to verify your policy.
Contact us directly online for an immediate response, or call one of our nearest offices. Tel. +39 055 28.53.13 –Tel. +39 02 667.124.17
Email : info@italiafideiussioni.it
You can also contact us via
WhatsApp: +39 339 71.50.157 send a message, and we will respond during office hours, within 5 minutes.
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Analysis: The dramatic rise in surety fraud in Italy
Since September 1, 2025, a worrying trend has been recorded: surety frauds are increasing exponentially.
In less than two months, IVASS has already published several warning notices, all with the same pattern: international companies, fake emails, perfectly imitated digital policies.
A clear sign that scammers are working at full capacity, taking advantage of the sector’s digitalization and the difficulty for businesses to distinguish a genuine document from a counterfeit one.
The data is tragic because it shows a growing crisis of confidence in the world of surety bonds, precisely when many Italian companies—driven by the need to participate in tenders, obtain funds, or secure leases—are looking for quick solutions online.
And where there is urgency, fraud finds fertile ground.
The reality is that today, competence, verification, and professionalism are needed more than ever.
The advice is simple but crucial: do not trust those who promise surety bonds in 24 hours at rock-bottom prices.
A real surety is a serious financial act, not a document downloadable from the internet.
As IVASS emphasizes, prevention is the only real antidote.
And in this, entities like ItaliaFideiussioni.it become a bulwark: they offer real assistance, personalized consultation, and authentic guarantees in a market increasingly contaminated by digital fraud.
Frequently Asked Questions
How to protect yourself from online surety bond scams: tools and practical tips
The Swiss Re International S.E. case is not an isolated incident but yet another sign of a structural plague that is hitting the surety market with increasing force, not only in Italy but also internationally.
Since September 1, 2025, IVASS reports have multiplied, painting a disturbing picture: the number of fake surety documents and frauds related to the illicit use of insurance brands is constantly growing.
And we are not talking about crude or easily recognizable frauds: these are sophisticated digital counterfeits, created by well-organized groups often operating from multiple countries simultaneously, exploiting the web, counterfeit PEC emails, and the vulnerabilities of online verification systems.
The phenomenon is global.
Throughout Europe, and particularly in markets where surety bonds represent a key tool for participating in public tenders, concluding lease agreements, or obtaining visas and permits, similar cases are being recorded: fake policies, phantom intermediaries, foreign companies with names similar to real companies, created with the sole purpose of deceiving businesses and citizens.
In the United States, the United Kingdom, and even in Asia, supervisory authorities have begun to speak of a genuine transnational insurance criminality, capable of moving quickly across digital platforms, web domains, and instant payment systems.
What is concerning is the loss of trust in the system.
Each fraud undermines not only the economic security of the victim but also the overall credibility of the insurance sector, which has always been founded on transparency, solvency, and adherence to rules.
When a fake document manages to circulate unchecked, it is not just a loss for the buyer: it is a crack that opens in the pact of trust between businesses, intermediaries, and institutions.
Yet, there is a solution—and it is simpler than it seems.
It requires a culture of verification; it requires awareness.
Every entrepreneur, professional, and private individual must learn to do what is often taken for granted: check the authenticity of the company, verify the registration of the intermediary, consult the IVASS lists and foreign supervisory authorities.
In a world where everything moves fast and communications seem reliable just because they “look official,” prudence becomes a form of intelligence.
Relying on serious, transparent, and certified operators is today an act of responsibility, not only economic but also ethical.
It means protecting one’s company, one’s customers, and one’s reputation, avoiding—even unknowingly—to fuel the circuit of digital frauds.
Those who choose an authorized intermediary, who request a policy from a supervised company, who verify official data are taking a concrete defensive action.
Because if it is true that scammers do not stop, it is equally true that a careful verification can stop them at the outset.
The future of surety bonds, in Italy and globally, will increasingly depend on this: the ability to combine human trust with verification technology.
And only in this way will it be possible to build a safer, more transparent market worthy of the trust that businesses place in it every day.
