Low speed impact claims - A customer story

At Aviva we believe the UK’s compensation culture is having an adverse effect on motorists and their premiums. It’s about time something was done about it, which is why we’re taking a hard line when it comes to fraudulent motor claims.


Around 95% of the motor injury claims we see relate to whiplash and short-term soft tissue injuries with an alarming increase in fraudulent motor claims seen over the past couple of years.


The fight against fraud begins with an effective deterrent, and in addition to more prosecutions and stronger sentences for convicted fraudsters, we need to remove the financial incentive for minor whiplash claims like those claimed for by serial crash for cash fraudsters.


We’re taking more steps than ever before to identify fraudulent claims when they come in to us and defending these in court where necessary, with a success rate of 3 in 4 cases that are taken to trial.

One such example is highlighted by the experience of one of our policy holders, Belinda Ellis. In our latest customer story video, we speak to Belinda Ellis to find out about her experience of a fraudulent claim and how we were able to support her.

Watch the video here.

Last year we published our ‘Road to Reform’ proposal, which is a call for engagement with Government to look at claims legislation focusing on 3 key areas.


·         The first, as mentioned above, is a move towards settling whiplash and soft tissue injury claims with care rather than cash, ensuring genuine injuries receive the treatment they deserve, while cutting the cost of the half-million-plus whiplash claims insurers receive every year.


·         The second point is that we feel lawyers should only get involved with more complex claims where their expertise is needed. This could be supported by increasing the limit within which lawyers can claim costs.


·         Finally, we believe referral fees should be banned to prevent claimants being put into unnecessarily expensive car hire and repairs.


Together, we believe these 3 actions will save over £1.4 billion – or around a £50 reduction on each insurance premium.


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