Aviva reported a 14% increase in the number of claims it declined due to fraud in 2024, uncovering more than 12,700 suspect claims worth £127m – equivalent to 35 bogus claims a day totaling around £349,000^[1]. Aviva is investigating a further 14,600 claims for suspected fraud. Aviva’s 14% rise in detected claims fraud last year follows a 39% increase in 2023. The insurer also identified fraud on more than 98,000 insurance applications, nearly double what it detected last year.

The changing face of motor claims fraud

Motor claims fraud makes up the majority of fraud Aviva detected, accounting for three out of four bogus claims. Within this, Aviva has seen a trend of fraudsters moving away from deliberate personal injury fraud such as crash for cash, and an increase in the number of exaggerated claims for injury.

Fraudsters are also increasingly looking to exaggerate and inflate the cost of repair and credit hire claims. This led to a 24% increase in the number of dishonest claims for motor damage in 2024. Since 2021, motor damage and credit hire fraud has grown by a staggering 275%. Read more