How to Report Insurance Fraud in the United Kingdom
If you suspect someone is committing insurance fraud (e.g., false claims, staged accidents, ghost broking, or exaggerated injuries), you can report it through official channels.
1. Report to the Insurance Fraud Bureau (IFB)
The Insurance Fraud Bureau (IFB) investigates organised insurance fraud, including “crash for cash” scams and fake claims.
📌 How to report:
- Online: www.insurancefraudbureau.org
- Fraud Hotline: 📞 0800 422 0421 (anonymous reporting)
✅ IFB works with insurers, police, and authorities to take legal action against fraudsters.
2. Report to Action Fraud (UK’s National Fraud & Cybercrime Reporting Centre)
For serious fraud cases, including fake policies or stolen identities used for fraud.
📌 How to report:
- Online: www.actionfraud.police.uk
- Phone: 📞 0300 123 2040 (Monday–Friday, 8 am–8 pm)
✅ You will receive a crime reference number, and your report may be investigated by the National Fraud Intelligence Bureau (NFIB).
3. Report Directly to the Insurance Company
If the fraud relates to a specific insurer (e.g., false claims, staged accidents, or premium fraud), report it directly to the insurance company. Most insurers have fraud departments.
📌 Where to find contacts?
Check the insurer’s website under “Fraud Prevention” or “Report Fraud” sections.
4. Report Ghost Broking (Fake Insurance Sellers)
“Ghost brokers” sell fake or invalid insurance policies, leaving victims uninsured.
📌 How to report:
- IFB Fraud Hotline: 📞 0800 422 0421
- Action Fraud: www.actionfraud.police.uk
- Police (if scammed): Call 101
✅ If you suspect a fake car insurance policy, check it at: www.askMID.com.
5. Report a Fraudulent Injury or Crash for Cash Scheme
🚗 Staged accidents and fake whiplash claims cost insurers millions. If you suspect a fraudulent injury claim:
- IFB Hotline: 📞 0800 422 0421
- Insurance Company (if you’re involved in a suspected scam)
✅ Warning Signs of a Crash-for-Cash Scam:
⚠️ Sudden, unexpected braking in front of you
⚠️ Fake witnesses appearing at the scene
⚠️ Minor collisions leading to exaggerated injury claims
Can You Report Insurance Fraud Anonymously?
Yes! Crimestoppers allows you to report fraud without revealing your identity.
📌 Report anonymously to Crimestoppers:
- Online: www.crimestoppers-uk.org
- Phone: 📞 0800 555 111
Next Steps After Reporting
✔️ If the fraud is serious, police and investigators may contact you for further details.
✔️ If reporting anonymously, you won’t be contacted, but your tip will be investigated.
✔️ If you were a victim of fraud, contact your insurer to verify your policy and claims.