Aviva detects record £230m in bogus insurance claims as use of AI rises
Summary
Aviva found over £230 million in fake insurance claims in 2025, many involving new tricks like using artificial intelligence (AI) to create fake car accident scenes and documents. Most false claims were in motor insurance, with fraudsters exaggerating damages and costs rather than staging accidents.Key Facts
- Aviva detected more than 18,400 suspicious insurance claims worth £233 million in 2025.
- This was a record amount and included claims from the Direct Line brands, added after acquisition.
- Motor insurance fraud made up over 70% of the detected bogus claims.
- Fraudsters are shifting from fake collisions to exaggerated injuries and repair costs.
- AI is being used by scammers to create fake accident images and documents.
- Aviva is using AI and advanced analytics to catch fraud faster, with human oversight.
- Serious fraud cases led to 37 years of prison and suspended sentences combined.
- Fraud in home insurance claims rose by 15%, often due to exaggerating damage or contents.
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