Speaking volumes

A wave

According to the latest figures from the Association of British Insurers, what used to be referred to simply as theft but is now more accurately referred to as fraud, costs insurers £1.9bn a year.

In an industry where there is often little unanimity, the rising level of fraud is one thing everyone can agree upon. And fraudulent claims are not only burning a hole in the pockets of the insurers - they bump up every individual's premium by an uncomfortable £44.

Experts may claim the recession has h

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