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
In everyday claims handling, you begin to notice certain patterns. The claims that become difficult rarely do so because someone set out to mislead. More often, the trouble starts earlier, when key details are not gathered in time or the claim is not properly understood from the outset. By the time an investigation
Ok, so it’s only November, but as 2025 draws to a close, it’s clear that the UK insurance industry is ending the year facing one of its greatest ongoing challenges: the evolution of fraud. Rising living costs, organised criminal networks and the rapid spread of deep-fake and automation technologies have reshaped deception itself. Fraud
When you think of Scotland, you might picture something like the street above: cobbled roads beneath grey skies, castles on the skyline, lochs and sweeping highlands. You might imagine still waters, island beaches, or the sound of bagpipes echoing across a quiet town. But when it comes to our conversations about Scotland, particularly
If I asked a room of professionals to define integrity, most would use the word honesty. Yet honesty and integrity, though related, are not the same thing. Honesty is admitting you did it. Integrity is not doing it in the first place. Honesty is reactive – it emerges once something has happened. Integrity is
Similar to the picture above, a claim was received recently, with the image of the insured vehicle looking convincing enough. A van with a badly damaged bumper, submitted alongside a claim describing a low-speed collision. Nothing unusual there, on the face of it. But something didn’t sit right. A quick check online, and there
The Hidden Costs of Insurance Fraud: Who Really Pays? Unpacking the real price tag of deception in motor insurance claims. Insurance fraud isn’t always dramatic. It rarely involves staged car crashes in backstreets or mysterious fires. More often, it’s subtle: a few extra scratches added to a bumper claim, or an item
We are a corporate investigations company working closely with the insurance & legal sectors, as well as local authorities and government agencies across the UK and Ireland.
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