Allianz UK detects £93m of fraud in first half of 2025

Allianz UK detected more than 15,800 instances of attempted insurance fraud worth £92.6m in the first half of 2025.

The figures, which cover the firm’s personal, commercial and specialty lines, amounted to a 34% growth since the same period last year, when scam claims were valued at £68.9m.

Ghost brokers were identified as a growing source of fraud, with Allianz highlighting the increased sophistication of criminal gangs and the proliferation of new techniques, including ”making many changes to policies to try and avoid detection and trying to exploit short-term policies”.

Moped and scooter policies remained a popular target for scams, often linked to delivery drivers, as did the fabrication of non-tariff injuries and the ballooning of claims after an initial admission of liability was made.

Threat to trust

Ben Fletcher, director of fraud at Allianz UK, said: “Insurance fraud is a serious threat to trust, fairness and the financial wellbeing of honest customers. It can lead to increased premiums, strains resources and diverts funds away from genuine claims that require support.

“From inflated claims to calculated deception, fraudsters are evolving, but so are we. Every time we detect fraudulent activity, we are standing up for our honest customers. I really hope the work we do shows the value of insurance.

“We’re taking a proactive, multi-layered approach to detection and prevention. By combining cutting-edge technology and the insights of our people, we’re building a defence that’s fast, agile and relentless.

“This isn’t just about catching fraud – it’s about protecting genuine claims, safeguarding customer value and preserving the integrity of the insurance industry.”