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Anon 05:46

Care to share your evidence? Or have you been captured by propaganda? I do agree that fraud should be stamped out completely but it'd be great to see hard evidence about the extent of the problem, rather than allegations flying around on both sides. No hard evidence has ever been provided though.

An example is this notional £50 or £90 (depending on which way the wind blows) per policy that fraud costs. Presumably this is a complete estimate or it is the actual unrecovered costs for successfully defending fraud cases? I mean, if it is fraud surely there is no payment, and no cost other than those incurred by an insurer with its claim handling team?

As an aside, of my clients there are maybe two that could be exaggerating. If I do my job right (which I will) the suspected exaggeration will either be proven as genuine or if not proven (burden of proof and all that) it will not be claimed.

Personally I'd completely ban CMCs as that'd reduce the spreading round of fraud. That and the rotten apples would really start to stand out. I say this despite being aware of some excellent and ethical CMCs. Also ban cold calling completely, regardless of what it's for - claims, windows, whatever.

The insurers and pet government are looking at the financial result rather than cutting off the problem at its knees with the benefit being reduced payout.