Fraudsters turn to AI to fake motor claims
Aviva detected fraudulent claims valued at £233m last year, with motor claims accounting for more than 70% of them.
Meanwhile, the value of fraudulent motor claims uncovered rose by 39%.
Its data further revealed a growing sophistication of fraudulent motor claims, with fraudsters moving away from staged collisions and towards exaggerated claims for vehicle damage, repair costs, credit hire and injury.
Fraudsters are also turning to AI to support fake claims, using the technology to create images, manipulate documents, alter accident scenes and create or exaggerate vehicle damage.
Ghost broking also increased during 2025, up seven per cent year-on-year with younger drivers typically targeted over social media.
Fraudulent activity
Pete Ward, head of claims counter fraud, Aviva, said: “Aviva continues to uncover a wide range of fraudulent activity, from organised criminal networks to opportunistic exaggeration. In one example, fraudsters deliberately caused a collision in order to make inflated injury and credit hire claims worth £470,000.
“Video evidence revealed none of the witnesses in court were present at the incident and the case collapsed. As a result, two sisters were convicted of conspiracy to defraud and one received an immediate prison sentence.”
He added: “Fraud isn’t a victimless crime; it drives up the cost of insurance for everyone. We have a duty to ensure our customers don’t foot the bill for other people’s dishonesty, and we work tirelessly to root out fraud and stop it wherever we find it.”
