Insurance fraud in the UK is evolving at an unprecedented pace. As fraudsters become more sophisticated, insurers face mounting pressure to strengthen detection and prevention strategies. The challenge is clear: adapt quickly or risk escalating costs and regulatory scrutiny.
Collaboration between intermediaries and insurers is no longer optional; it’s essential. Working together can help reduce fraud-related losses and safeguard the industry against intervention.
The fraud landscape is increasingly complex. According to the CIFAS Fraudscape report for the first half of 2025, more than 217,000 fraud risk cases were reported to the National Fraud Database. A key driver? Artificial Intelligence (AI).
Fraudsters are leveraging AI to bypass security measures, particularly in identity fraud and synthetic identity creation. These tactics enable criminals to fabricate convincing profiles, fuelling sharp increases in fraud across sectors such as insurance, mobile services, and public services.
As technology and consumer behaviour evolve, so too will fraud tactics. Over the next 2–5 years, insurers should prepare for emerging threats, including:
- AI-driven fraud escalation
- Real-time fraud attacks
- Cross-channel and hybrid scams
- Insider and first-party fraud growth
- Greater need for collaboration and data sharing
Download the full article to explore key insurance fraud trends and learn how to future‑proof your strategy.
