In 2025, U.K. insurers found fewer bogus claims than in 2024, but the cases they intercepted tended to involve more money.
According to The Independent, insurers stopped 1.34 billion (about $1.77 billion at current exchange rates) in fraud, and the typical fake claim came in at 14,300 ($18,868) — the Association of British Insurers' second-highest average on record.
The ABI reported 93,900 detected fraudulent claims in 2025, down 2.7% from 2024, while the value of the claims that insurers blocked increased 14% from 1.18 billion (about $1.56 billion).
Motor insurance accounted for the largest share of detected fraud: 55% of cases, or 51,900 claims, with a total value of 625 million ($824 million).
For motor coverage, the typical fraudulent claim was roughly 12,000 ($15,830), making 2025 the second-highest year recorded on that measure since 2015.
One of the biggest jumps came in travel insurance. The Independent said insurers detected 4,500 travel fraud cases, an 85% increase, while the value attached to those claims rose 16% to 8.6 million ($11.3 million).
Among the scam types identified, exaggerated loss was still the most frequent, with 26,900 cases. Cases involving staged or contrived incidents also increased, rising 30% to about 5,600.
Even with detected property insurance fraud down 6.2% to 17,700 cases, The Independent said the average fraudulent property claim reached a record 11,400 ($15,037). That suggests larger attempted...
In 2025, U.K. insurers found fewer bogus claims than in 2024, but the cases they intercepted tended to involve more money. According to The Independent, insurers stopped 1.34 billion (about $1.77 ...