Like many people, I have been following the growing debate around artificial intelligence and, in particular, the warnings about how rapidly it is becoming embedded in everyday life and business decision-making. https://youtu.be/i30jVPqQeOM?si=6EtPZyZ6dIeIujk5 The attached video is one of the more thought-provoking examples I have seen recently. It considers what could happen as AI
A car stolen every four minutes. Just 3% of vehicle theft offences resulting in a charge or summons. For insurers, the implications extend far beyond the theft itself. A BBC News investigation published this week has brought the scale of the UK’s vehicle theft problem back into sharp focus. The message is clear:
By the time Ian Fogg's stolen Kia was pinging its location back to Lithuania, while Kia's own connected app refused to tell him where the car actually was, the more interesting question, from an insurance investigations perspective, had already been answered on his own driveway: How did the thieves get in? The BBC's reporting
The motor insurance market has never had access to more data. Claims handlers operate sophisticated management systems. Fraud teams deploy increasingly powerful analytical tools. Investigators draw on intelligence sources that would have been unimaginable a decade ago. The industry has invested heavily in technology, in talent, and in process – and the results
Fraud prevention has always required insurers to walk a narrow line. On one side sits the clear commercial and moral need to identify dishonest claims quickly, protect the premium pool, and prevent leakage. On the other sits an equally important duty to ensure genuine policyholders are treated fairly, transparently and without being pushed
For years, the industry prepared for fraud to evolve into something more sophisticated, more organised, more complex. Entire strategies have been built around that assumption. That isn’t what has happened. It has become easier. Not easier for organised groups; they have always operated with capability and intent, but easier for everyone else. The
A different kind of pressure... Fuel prices aren’t just creeping up; they’re going up faster than Artemis II. At the same time, inflation isn’t easing in the way many expected, and interest rates continue to feed through into higher mortgage costs. For a lot of households, that combination is starting to land. Not
Insurance fraud is often described as a modern and rapidly evolving challenge. In reality, the behaviour behind it has remained remarkably consistent. Long before digital claims portals, telematics data and automated workflows, insurers were already dealing with exaggerated losses, staged incidents, inflated repair costs and entirely fabricated claims.The motivations behind fraud are equally familiar.
We recently issued an article exploring Scotland’s evolving claims environment. At that stage, our focus was structural. We examined how Scotland’s personal injury framework, distinct from England and Wales, might influence behaviour over time. Since then, our work across Scotland has continued. What we are now observing goes beyond theory. We are detecting
If 2025 taught us anything about insurance fraud, it’s that it rarely turns up waving a red flag. Most of what we saw in the past year didn’t look dramatic or obviously dishonest. It looked almost right. That, in many ways, was the defining feature of fraud in 2025. Not crude fabrications but
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