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Aviva Detects Record £233M Fraud
8 Jun
Summary
- Aviva detected over 18,400 suspect claims valued at £233 million last year.
- AI-generated images and documents are increasingly used to fabricate claims.
- Ghost broking scams sell invalid policies, leaving young drivers uninsured.
In the past year, Aviva identified a record-breaking £233 million in fraudulent insurance claims across its brands, including those from Direct Line, which it acquired in July 2025. This surge highlights evolving fraud tactics.
Motor insurance fraud continues to be the most common type detected, accounting for over 70% of fraudulent claims within Aviva's UK general insurance business. Fraudsters are shifting from staged accidents to exaggerating damages and costs.
Sophisticated methods, including the use of AI-generated images and documents to fabricate accident scenes, are on the rise. Simultaneously, ghost broking scams are increasingly targeting younger drivers, selling them fake or manipulated policies.
Aviva is deploying advanced analytics and AI tools, coupled with human oversight, to counter these growing threats. The insurer also noted an increase in professional enablers inflating property claims with inflated repair costs and contents values.
