CHESTER, England, July 13, 2011 /PRNewswire/ --
- One in 20 motorists under 35 confess to having 'staged' or invented an accident and claimed successfully
- 1.3 million of all motorists have or would consider staging a car accident to claim on their insurance
Recession-hit drivers in the UK are resorting to dangerous measures to make extra cash, according to moneysupermarket.com. Research from Britain's number one comparison site reveals one in 20 younger drivers admit to successfully staging or inventing a car accident to claim on their insurance.[1]
The research also reveals that overall, 1.3 million motorists (4 per cent) are a dangerous threat to themselves and other road users, admitting they have or would consider deliberately causing a motor accident, or inventing one, to make a claim on their insurance. Two per cent admit to having already successfully done so. Londoners are the riskiest behind the wheel - 10 per cent have or would consider committing motor fraud compared to less than one per cent of those living in Wales.
The insurance industry separates this type of car insurance fraud into three categories:
- 'Staged' motor accidents; two vehicles deliberately knock into each other in order to claim on insurance.
- 'Contrived' motor accidents; a fabricated claim for a motor incident that never took place.
- 'Induced' motor accidents; a deliberate action by a motorist to force an innocent driver to crash into them, such as braking suddenly so they are hit from behind.
The research found that of those who had successfully invented or deliberately caused a motor accident, nearly half (44 per cent) were 'Staged', a quarter (24 per cent) were 'contrived', and eight per cent were 'Induced'.[3]
Peter Harrison, car insurance expert at moneysupermarket.com, said: "We have all been affected by the recession in one way or another, but crashing for cash is not only illegal but wilfully endangers the lives of others. It seems Brits really are going a step too far this time.
"According to the ABI, in 2009 over 2,000 dishonest insurance claims worth more than £16 million were detected every week.[2] Our research reveals there are many more motorists causing this type of fraud and getting away with it. Organised motor fraud not only costs the insurance industry, but risks the safety of innocent drivers, passengers and pedestrians. In addition, fraudulent claims cause insurers to increase premiums for honest motorists as they try to recuperate their losses, an unnecessary addition to the spiralling insurance premiums we are currently witnessing.
"Any motor insurance claim proved to involve an organised accident will be considered as fraudulent by an insurer, and is likely to have drastic, long-term affects on your motoring as a consequence. If found guilty, an official "fraud mark" could be added to your license; this will prompt your insurer to void existing cover and probably refuse you cover in the future. In addition, insurers are also likely to pass your details to the police for prosecution.Regardless of how tempting it may seem to get your hands on some extra cash, carrying out organised motor fraud whether it is 'staged', 'contrived' or 'induced', it really isn't worth the risk. After all, it could end up costing you more in the long run."
Notes to Editors
[1]Opinium carried out a survey of 2,030 UK adults aged 18+, 25th - 27th May 2011
According to the DFT, there are 33,481,604 (or 33.4) million drivers in the UK: http://www.dft.gov.uk/pgr/statistics/datatablespublications/nts/driving-availability/nts0206.xls
4 per cent of people would consider, or have already, consider inventing a motor accident or deliberately causing one to make a claim on their motor insurance. 4 per cent of 33.4 million = 1,339,264 or 1.3 million people
[3] N.B low base size.
th June 2011- 102 car insurance providers and 77 home insurance providers
- 13 broadband providers and 19 energy providers
- 28 unsecured loan and 5 secured loan providers
- 65 mortgage lenders and 31 credit card providers
- 68 savings providers and 33 current account providers.
- Over 750,000 mobile phone deals
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