Aviva said it identified more than 18,400 suspect claims across its brands last year, including Direct Line, with a value of 233 million.
The fraud claims level was a record for the insurer, although this is the first year that Aviva has reported combined fraud figures including Direct Line brands.
Aviva acquired Direct Line in July 2025. Looking at Aviva’s UK general insurance business only, excluding Direct Line brands, motor insurance fraud continues to account for the majority of fraudulent claims Aviva detects, representing more than seven in 10 cases.
Fraudsters are increasingly moving away from staged collisions and towards exaggerated claims for vehicle damage, repair costs, credit hire and injury, often using wider cost pressures as justification, the insurer said.
Aviva said it is seeing a growing number of claims supported by AI‑generated images and manipulated documents, particularly in motor insurance.
Fraudsters are using these tools to fabricate accident scenes and damage imagery to support false or exaggerated claims.
In response, the insurer also uses advanced analytics and AI‑enabled tools, supported by human oversight, to stop suspect claims earlier.
Professional “enablers” are also increasingly involved in property claims, Aviva said, by inflating repair costs, contents values and scopes of work.
Aviva said it detected more than 105,000 fraudulent insurance applications in 2025, with a growing proportion of activity linked to ghost broking.
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