UK insurer Aviva is receiving tens of thousands of reports from scammers looking to profit from claims embellished using artificial intelligence (AI) tools.

Aviva and its wider brand portfolio received an estimated 18,400 plus fraudulent claims in 2025, backed by doctored evidence includeding AI-generated car accident scenes, fake official documents, and fabricated images exaggerating damage. 

If approved, the sum of these claims would have amounted to £233 million ($310.3 million) across the year, or roughly £638,000 ($850,000) per day.

The majority of claims cooked up using AI were related to motor insurance. The insurer says policyholders handed in supporting documents for claims such as inflated costs incurred for vehicle repairs and exaggerated reports of damage.

Some claims were fraudulently made to appear more severe, whereas others were entirely fabricated.

It marks a shift away from the older fraud model where policy-holders staged incidents such as a crash IRL in the hope of securing a payout. 

In total, Aviva said the value of scam claims made against motor insurance policies jumped 39 percent, with fraudsters increasingly seeking higher-value payouts.

Similar trends were witnessed in liability insurance. While the number of cases remained broadly stable, the value of fraudulent claims rose 32 percent in 2025, with claimants exaggerating loss of earnings, rehab costs, and injury claims.

“Professional enablers” – rogue white-collar workers, such as lawyers and medical professionals  – are lending their support to the claims, says Aviva. These individuals are also playing a role in the increased value of travel insurance and medical claims for policy-holders.  

Aviva is countering the rise of AI-enabled fraudulent claims with… AI. It uses a concoction of its own tools and “advanced analytics,” all with human oversight, to help identify suspicious claims faster. 

Pete Ward, head of claims counter fraud at Aviva, said: “Fraud isn’t a victimless crime – it drives up the cost of insurance for everyone. We have a duty to ensure our customers don’t foot the bill for other people’s dishonesty, and we work tirelessly to root out fraud and stop it wherever we find it.

“We’re seeing fraud become more sophisticated, from exaggerated claims to the use of AI-generated documents, and we’re continuing to invest in the tools and expertise needed to identify and stop it. 

“By detecting and preventing these claims, we’re helping protect honest customers from the cost of fraud.” ®