Aviva says fraudsters are increasingly using AI-generated evidence to support fake or exaggerated insurance claims, particularly in motor insurance.
The insurer says it detected more than 18,400 fraudulent claims during 2025, worth an estimated £233 million if paid out.
According to Aviva, fraudsters are using altered accident photos, fabricated documents, inflated repair costs, and exaggerated damage reports. The value of fraudulent motor claims rose by 39 per cent during the year.
Pete Ward, head of claims counter fraud at Aviva, said: “We’re seeing fraud become more sophisticated, from exaggerated claims to the use of AI-generated documents.”
Businesses should be aware that AI can now create highly convincing fake images and documents, making independent verification of evidence increasingly important when assessing claims, transactions, or other high-value requests.