Motor Insurance: Fraud
The question
To ask the Chancellor of the Exchequer, what estimate she has made of the potential impact of paid ad spoofing on car insurance premiums.
Answered by Lucy Rigby
The Government has made no specific estimate of the impact of paid advert spoofing on car insurance premiums.
However, the Government takes the issue of fraud seriously and recognises the impact this has on motor insurance claims costs and the premiums that motorists pay.
As set out in the final report of the cross-Government Motor Insurance Taskforce, published in December 2025, the Government, regulators and industry are taking a range of actions to combat insurance fraud. This includes the Financial Conduct Authority’s work to identify and remove fraudulent advertising; the Insurance Fraud Bureau and Insurance Fraud Enforcement Department’s work to detect, investigate and deter motor insurance fraud; and collective efforts to deliver on the commitments in the Home Office’s Insurance Fraud Charter.
The Government’s forthcoming Fraud Strategy will introduce further measures designed to protect individuals and businesses from evolving fraud threats.
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