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INSURANCE FRAUD DATA LAB · FREE PUBLIC SOURCES ONLY
Track detected fraud, claims pressure, uninsured driving, vehicle crime, ghost broking and customer harm—without paid insurer, bureau or vendor data.
A source explicitly records detected, confirmed or prevented fraud. It still measures detection, not every event that occurred.
A case or complaint count from a reporting system. Coverage depends on who reports and how records are classified.
A related exposure, claims or crime measure. It can test plausibility or pressure, but cannot establish fraud on its own.
METHOD & BOUNDARY
These sources may be operationally valuable, but they are not free public evidence and therefore do not enter this Lab’s analysis.
Open the Insurance Fraud tracker →Inspect STATS19 evidence →Inspect geographic evidence →
READ THE REPORTING BOUNDARY FIRST
Only compare the same scope, unit, reporting basis and observation window. Detection reflects what was found and reported; it is not a prevalence estimate.
| Scope | Measure & observation period | Reporting basis | Comparison / vintage boundary |
|---|---|---|---|
| All insurance | Detected dishonest claims and value2022–2024 · calendar years | ABI member-reported detections. Counts and value are not underlying incidence. | Revised series only; each annual row retains its source-vintage note.Association of British Insurers (opens in a new tab)Association of British Insurers (opens in a new tab) |
| Motor | Detected motor scams2024 · calendar year | £576m; 53% of detected dishonest claims reported by ABI members. | Motor snapshot; no like-for-like motor trend series is provided.Association of British Insurers (opens in a new tab) |
| All insurance | Fraudulent applications prevented2024 · calendar year | Prevention count, not bound policies or claims. | Separate detection/prevention measure; do not combine with detected claims.Association of British Insurers (opens in a new tab) |
| All insurance | Exaggerated-loss value2024 · calendar year | Detected value reported by ABI members. | Separate detection/prevention measure; do not combine with detected claims.Association of British Insurers (opens in a new tab) |
| Motor | Official Injury Claim submissionsApril–June 2026 · quarter | Operational claims submitted; exits are not fraud detections. | Contextual proxy. Compare equivalent reporting periods and definitions.Official Injury Claim (opens in a new tab)Official Injury Claim (opens in a new tab) |
| Motor | CRU registered cases / settlements2018/19–2025/26 · financial years | Compensation recovery activity; not fraud counts. | Annual CRU comparisons only. STATS19 calendar years are not matched cohorts.Department for Work and Pensions (opens in a new tab) |
| Insurance / all sectors separately | Cifas identity fraud and facility misuse2025 · calendar year | Cifas National Fraud Database member reporting. Counts are sector/member submissions, not total UK prevalence. | Insurance identity cases are a subset; all-sector totals are not all-insurance totals.Cifas (opens in a new tab) |
| Motor | Car and motorcycle insurance complaintsQ1 2026/27 vs Q1 2025/26 | Complaints include valuation, cancellation and delay disputes. They are a customer-harm guardrail, not a fraud estimate. | Same reporting quarter in adjacent financial years; customer-harm context, not fraud.Financial Ombudsman Service (opens in a new tab) |
UK DETECTED FRAUD PULSE
Published analysis · revised ABI series · all insurance
Select a point, or open Chart data for exact values. Missing observations remain gaps.
| Year | ABI detected claims |
|---|---|
| 2022 | 72,600 |
| 2023 | 88,100 |
| 2024 | 98,400 |
| Year | Detected claims | Detected value | Vintage / interpretation |
|---|---|---|---|
| 2022 | 72,600 | £1.10bn | Originally published ABI member detection total. |
| 2023 | 88,100 | £1.14bn | Restated in the following ABI release; the earlier publication reported 84,400 claims and about £1.1bn. |
| 2024 | 98,400 | £1.16bn | Latest annual ABI member detection total in this release. |
Vintage rule: 2023 uses the 88,100 / £1.14bn restatement in the next ABI release. The earlier vintage reported 84,400 claims and about £1.1bn. The Lab never splices the old count into the revised series.
2024 · Motor insurance
£576m; 53% of detected dishonest claims reported by ABI members.
Association of British Insurers (opens in a new tab)2024 · All insurance classes
Prevention count, not bound policies or claims.
2024 · All insurance classes
Detected value reported by ABI members.
Association of British Insurers (opens in a new tab)CIFAS MEMBER REPORTING · 2025
Cifas National Fraud Database member reporting. Counts are sector/member submissions, not total UK prevalence.
Cifas (opens in a new tab)| Source | Evidence period | Source published | Checked in release | Latest check | Monitoring state |
|---|---|---|---|---|---|
| Fraudulent insurance claims continue to top £1 billion | Calendar year 2024, with a restated 2023 comparator | Date unavailable | 28 Sept 2026 | 20 Oct 2026 | Source content changed; review pending |
| Crackdown on insurance cheats delivering results | Calendar year 2022 | Date unavailable | 28 Sept 2026 | 6 Oct 2026 | Source content changed; review pending |
| Fraudscape 2026 | National Fraud Database member reporting, calendar year 2025 | Date unavailable | 28 Sept 2026 | 28 Sept 2026 | Source content changed; review pending |
| Official Injury Claim data | Portal data and publications since service launch | Date unavailable | 28 Sept 2026 | 19 Oct 2026 | Source content changed; review pending |
| OIC data publication: April to June 2026 | 1 April to 30 June 2026 | Date unavailable | 28 Sept 2026 | 28 Sept 2026 | Source content changed; review pending |
| Compensation Recovery Unit performance data | Financial years 2018/19 to 2025/26 | Date unavailable | 28 Sept 2026 | 28 Sept 2026 | Source content changed; review pending |
| The UK’s top uninsured-driving areas | Two years of MIB claims; postcode districts ranked by defendants per 1,000 population | 10 Nov 2025 | 28 Sept 2026 | 28 Sept 2026 | Source content changed; review pending |
| Police.uk open data | Monthly street-level police-recorded crime | Date unavailable | 28 Sept 2026 | 21 Oct 2026 | No source issue recorded |
| Police recorded crime and outcomes open data tables | Police-force-area vehicle offences, calendar years 2016 to 2025 | Date unavailable | 28 Sept 2026 | 21 Oct 2026 | No source issue recorded |
| Anonymised MOT tests and results | MOT tests from 2005 onward | Date unavailable | 22 Sept 2026 | 22 Oct 2026 | No source issue recorded |
| Vehicle licensing statistics data tables | Quarterly and annual licensed-vehicle statistics | Date unavailable | 21 Sept 2026 | 22 Oct 2026 | No source issue recorded |
| Road traffic statistics | Annual motor-vehicle mileage | Date unavailable | 9 Oct 2026 | 16 Oct 2026 | Source content changed; review pending |
| Road safety open data | Police-reported collisions and casualties | Date unavailable | 9 Oct 2026 | 16 Oct 2026 | Source content changed; review pending |
| FCA Warning List | Current unauthorised-firm warnings | Date unavailable | 28 Sept 2026 | 22 Oct 2026 | Source content changed; review pending |
| Financial Services Register | Current regulatory permissions and status | Date unavailable | 28 Sept 2026 | 22 Oct 2026 | Source content changed; review pending |
| Firm-level complaints data | Half-yearly regulated-firm complaints | Date unavailable | 28 Sept 2026 | 22 Oct 2026 | Source check problem — approved findings retained |
| Quarterly complaints data: Q1 2026/27 | April to June 2026 | Date unavailable | 28 Sept 2026 | 28 Sept 2026 | Source content changed; review pending |
| Ghost broker sentenced for £302,000 insurance policy scam | Enforcement case | 1 Aug 2023 | 28 Sept 2026 | 6 Oct 2026 | Source content changed; review pending |
| Man jailed for fake car-insurance fraud | Enforcement case | 30 Apr 2025 | 28 Sept 2026 | 6 Oct 2026 | Source content changed; review pending |
| Serial ghost broker sentenced after repeated warnings | Enforcement case | 19 Sept 2025 | 28 Sept 2026 | 6 Oct 2026 | Source content changed; review pending |
| Fraudster sentenced for £17,000 Instagram policy scam | Enforcement case | 25 Jul 2024 | 28 Sept 2026 | 6 Oct 2026 | Source content changed; review pending |
| Fake car-insurance fraudsters ordered to repay £376,000 | Enforcement and confiscation case | 10 Mar 2025 | 28 Sept 2026 | 6 Oct 2026 | Source content changed; review pending |
| Nationwide crackdown on ghost broking | Enforcement operation | Date unavailable | 28 Sept 2026 | 6 Oct 2026 | Source content changed; review pending |
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