Press release -
Allianz UK detects frauds totalling £93m in first half of 2025
- 2025 detection figures up 34% from same period as 2024
- Ghost brokers and claims ballooning trends continue
- Enhanced technology partnership with Carpe data for personal injury fraud prevention
- Stronger collaboration with brokers and continued commitment to protect honest customers
Leading insurer Allianz UK uncovered more than 15,800 instances of insurance fraud across personal, commercial and specialty lines worth a total of £92.6m in the first half of 2025 – up 34% (£68.9m) on the same period in 2024.
Fraud types and trends
Across motor and casualty, trends included:
- A persistent threat from application fraud and in particular Ghost Brokers. The sophistication of the gangs continues to evolve, as they look to try different approaches, including making many changes to policies to try and avoid detection and trying to exploit short term policies.
- Gangs continuing to target and use moped riders in both policy and claims fraud scams, often linked to the gig economy and delivery drivers.
- Continued exaggeration and fabrication of non-tariff injuries (meaning that they earn more money from pursing them, than soft-tissue injuries, which have pre-agreed limits built in).
- Ballooning of claims. Where a claim is submitted, at face value looking quite straight forward, in an attempt to get through initial validation and seek an admission of liability. Once that happens, suddenly the claims balloons out of control, with different claims being added.
How Allianz fights fraudsters
Allianz uses an array of sophisticated techniques to detect fraudsters, which includes a continued investment and focus on proactive approaches and machine learning models. Allianz UK also uses voice analytics tools to not just detect fraud but to accelerate the processing of genuine customer claims. It has also significantly increased collaboration with broker partners to identify and prevent fraud.
As part of this continued commitment to stay ahead of evolving fraud tactics Allianz UK has now partnered with Carpe data, a US based data and technology firm that helps identify suspect personal injury fraud, part of a planned series of partnerships which includes voice analytic partner Clearspeed.
This strategy means that is has never been harder to commit fraud against Allianz UK, whether that is a low value opportunistic fraud, or a high value sophisticated organised scam. Having the tools, skills and appetite to defend against fraud, ensures that Allianz can protect their honest customers and the harms to society that fraud causes.
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.”
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About Allianz Holdings plc
Allianz Holdings plc is the non-regulated holding company which owns the principal insurance operations of Allianz SE in Great Britain including Allianz Insurance.
About Allianz
The Allianz Group is one of the world's leading insurers and asset managers with around 128 million* private and corporate customers in nearly 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing around 776 billion euros** on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage about 1.9 trillion euros** of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are among the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2024, over 156,000 employees achieved total business volume of 179.8 billion euros and an operating profit of 16.0 billion euros for the group.
* Including non-consolidated entities with Allianz customers.
** As of December 31, 2024.
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This document includes forward-looking statements, such as prospects or expectations, that are based on management's current views and assumptions and subject to known and unknown risks and uncertainties. Actual results, performance figures, or events may differ significantly from those expressed or implied in such forward-looking statements.
Deviations may arise due to changes in factors including, but not limited to, the following: (i) the general economic and competitive situation in the Allianz’s core business and core markets, (ii) the performance of financial markets (in particular market volatility, liquidity, and credit events), (iii) adverse publicity, regulatory actions or litigation with respect to the Allianz Group, other well-known companies and the financial services industry generally, (iv) the frequency and severity of insured loss events, including those resulting from natural catastrophes, and the development of loss expenses, (v) mortality and morbidity levels and trends, (vi) persistency levels, (vii) the extent of credit defaults, (viii) interest rate levels, (ix) currency exchange rates, most notably the EUR/USD exchange rate, (x) changes in laws and regulations, including tax regulations, (xi) the impact of acquisitions including related integration issues and reorganization measures, and (xii) the general competitive conditions that, in each individual case, apply at a local, regional, national, and/or global level. Many of these changes can be exacerbated by terrorist activities.
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