Staged fright

Fraud has always been notoriously difficult to determine and quantify - all that is certain is that it is costing the insurance industry millions of pounds a year.

In personal lines, the Association of British Insurers estimates that organised motor fraud costs the industry more than £200m in insurance per year and has increased motor premiums by around 5%. In addition, the Insurance Fraud Bureau (IFB) believes that, at the current rate of growth, a further 20,000 fraudulent crashes will take