QR Code on Insurance Renewal Notice Scam: What to Check

Where fake renewal QR codes show up

• Paper renewal notices that claim your coverage will lapse unless you scan and pay.
• Texts or emails that copy an insurer logo and point to a lookalike portal.
• Document upload pages that ask for more information than the renewal needs.
• Payment links that do not match the insurer, agent, or policy management system you normally use.

If the message came from an agent, compare it with Insurance Agent QR Code Scam and QR Code Bill Payment Scam.

How to verify before you renew

1. Open the insurer's official app or website yourself instead of trusting the scanned page.
2. Compare the policy number, renewal date, premium amount, and named insured.
3. Call the number on your policy card or official website if the QR code appeared unexpectedly.
4. Use the known payment portal when possible, especially for bank drafts or card payments.

If the QR code asks for documents, use the same caution as What to Do If a QR Code Opened a Document Upload.

If you already scanned or paid

• If you only opened the page, close it and verify through your insurer's official app, site, or phone number.
• If you signed in, change that password through the official portal and review recent account activity.
• If you paid, ask the insurer whether it received the payment and contact your card issuer if the recipient looks wrong.
• If you uploaded documents, save evidence and ask the insurer what policy, identity, or claim records to monitor.

For general recovery steps, see What to Do If You Scanned a Suspicious QR Code.

Frequently asked questions