Insurance Fraud Research Report 2025/26

                
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Top fraud challenges identified with Insurance Post

Read the Insurance Fraud Research Report by LexisNexis® Risk Solutions and Insurance Post for insights into top fraud challenges for insurers.
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Insight from Insurance Post and LexisNexis Risk Solutions

Fraud is becoming more organised, more digital and harder to detect. Financial pressure, rapidly evolving technology and increasingly sophisticated criminal networks are forcing insurers to rethink where, when and how they identify fraud risk. 

This new research, developed in collaboration with Insurance Post, explores how insurers are responding. From shifting fraud detection earlier in the customer journey, to breaking down internal silos and using shared intelligence to stay ahead of emerging threats. 

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What’s driving today’s insurance fraud challenge?

Our latest research highlights a market under pressure. Insurers are contending with:

  • A sharp rise in application and identity fraud at point of quote and inception
  • The growing use of synthetic identities, AI and deepfake technology
  • Increased operational costs caused by fraud leakage earlier in the policy lifecycle
  • The challenge of balancing strong controls with a seamless customer experience
  • Fragmented data and fraud capabilities spread across underwriting, claims and fraud teams

Fraud is no longer confined to one stage of the customer journey. It requires an end to end view, supported by better intelligence, collaboration and real time decisioning.

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Key themes explored in the research

Stopping Fraud Icon

Why stopping fraud
earlier matters

How applying stronger controls at application and point of sale can reduce downstream claims costs, bad debt and reputational risk.
Preventive Fraud Strategies Icon

The shift from reactive to preventative fraud strategies

Why insurers are investing in real time identity verification, behavioural analytics and machine learning models to prevent fraud before policies are bound.
Closer Collaboration Icon

Breaking down
internal silos

How closer collaboration between underwriting, claims and fraud teams improves visibility, consistency and return on fraud investment.
Cross Industry Intelligence

The role of shared and cross industry intelligence

How data from beyond insurance, including banking and e commerce can reveal patterns that would otherwise remain hidden.
Balancing Fraud Controls Icon

Balancing fraud controls with customer experience

Why deploying the right tools at the right point in the journey is critical to reducing false positives and protecting genuine customers.
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What insurers are saying

The research features insights from senior fraud, underwriting and claims leaders across the UK insurance market, including views on: 

  • The operational and financial impact of allowing fraud into the business
  • Why identity fraud is now one of the hardest typologies to detect
  • How centralised fraud teams and shared models are improving outcomes
  • The importance of training, awareness and human oversight alongside advanced technology

These perspectives illustrate how fraud strategies are evolving in response to both economic and technological change.

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