Fraud has, unfortunately, been a feature of personal injury claims since the Railway Passenger Assurance Company underwrote the first accident insurance policy in the late 19th century, and Lord Hershell’s assessment of the existence of fraud in Derry v Peek 
Great strides have been made in fraud prevention and detection over the last 100 years, often in the face of significant social, political, and legal obstacles. Motor fraud has become a ‘managed risk’ over the last decade with improved fraud awareness, advanced strategies, and high-level data sharing resulting in increased detection rates.
Legal developments, such as the Legal Aid, Sentencing and Punishment of Offenders Act (LASPO), have made the pursuit of motor claims less profitable with the banning of referral fees and the restrictions on recoverable costs.
However, there has been a shift into more lucrative areas such as employers’ and public liability. Claims-farming techniques are used to target p...
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