Axle announced a strategic collaboration with Experian on Feb. 3 to integrate real-time automotive insurance verification into Experian’s Fraud Protect platform. The integration aims to help automotive dealers and lenders detect fraud more effectively, support compliance, and accelerate vehicle transactions.
Axle operates as a universal API for insurance data, while Experian serves as a global data and technology provider. Through this collaboration, Axle’s insurance verification technology becomes part of Experian’s modular fraud-prevention workflow used by dealerships nationwide.
Adding Insurance Verification to Fraud Detection
Fraud Protect already enables dealers to validate customer identity, verify income, and confirm trade-in ownership. With the addition of Axle’s real-time insurance verification, dealers can now instantly confirm active insurance coverage during the transaction process.
The integrated solution verifies policy status, coverage limits, vehicle identification number matches, and lienholder details. Dealers access this information within a mobile-friendly workflow that connects directly to existing dealer systems.
By embedding insurance verification into Fraud Protect, dealers can ensure a customer maintains proper insurance coverage before a vehicle leaves the lot. The process occurs alongside other fraud and identity checks, allowing dealerships to review multiple risk indicators within a single workflow.
Addressing Rising Automotive Fraud
Experian research cited in the announcement highlights growing concern across the automotive sector. According to the research, 70 percent of dealers and 61 percent of lenders believe fraud is an increasing threat in the industry.
As fraud activity increases nationwide, the collaboration allows dealers to cross-check real-time insurance data alongside Experian’s analytics and identity intelligence. This combination helps identify first-party and third-party fraud, including synthetic identities, high-risk applicants, and misrepresented trade-ins.
The joint solution also aims to reduce exposure to chargebacks and buybacks by identifying potential issues earlier in the transaction process.
Executive Perspectives on the Collaboration
Robert Granados, president of Experian Automotive, said fraud is becoming more complex and increasingly targets digital retail workflows.
“Fraud is not just increasing, it is becoming more intelligent, exploiting digital retail workflows, identity gaps, and behavioral signals that legacy tools were never built to detect,” Granados said. He added that integrating Axle’s insurance verification into Fraud Protect allows dealers to assess additional identity and vehicle components while mitigating fraud risk and protecting their portfolios.
Armaan Sikand, co-founder and COO of Axle, emphasized the role of insurance data beyond compliance requirements.
“Our joint effort with Experian allows dealerships and lenders to use insurance data not just for compliance, but as a powerful fraud-prevention resource,” Sikand said. He noted that embedding Axle’s verification capabilities into Fraud Protect enables dealers to quickly confirm coverage while maintaining a seamless experience for buyers.
Technology and Workflow Integration
The collaboration focuses on maintaining a consumer-friendly experience while strengthening backend verification. Axle’s real-time insurance data integrates into Experian’s existing platform without requiring dealers to adopt separate tools or workflows.
Dealers can confirm insurance coverage through mobile interfaces that align with digital retail environments. The verification process supports both compliance checks and fraud detection without disrupting the transaction flow.
By consolidating identity, income, vehicle, and insurance verification, the integrated platform centralizes multiple risk signals in one system.
Company Backgrounds
Experian operates as a global data and technology company serving multiple industries, including financial services, healthcare, automotive, agrifinance, and insurance. The company provides data, analytics, and software to support fraud prevention, lending, digital marketing, and market insights. Experian employs more than 25,000 people across 33 countries and maintains its corporate headquarters in Dublin, Ireland. The company is listed on the London Stock Exchange as part of the FTSE 100 Index.
Axle positions itself as an AI-native universal API for insurance. Fortune 500 lenders, fleet managers, and franchise dealers use Axle’s APIs and AI agents to automate insurance verification, monitor coverage, and execute real-time policy changes. The company reports that its technology helps reduce operational costs while supporting streamlined insurance processes. Axle is backed by Gradient, Google’s early-stage AI fund, Y Combinator, and leaders from Plaid and Cox Automotive.
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