What Should You Do If Someone Makes A False Claim?
If someone has filed a false claim against your insurance, here’s what to do:
- Contact your insurer immediately – Give them your side of the story, share any evidence (photos, dashcam footage, witness details)
- Do not admit liability – Let your insurer handle all communication with the other party
- Gather evidence – Any proof that you weren’t involved, such as dashcam footage, photos, GPS data, text messages, etc.
- Report to the police (if necessary) – Especially if you suspect fraud or a crash-for-cash scam
- Check your car’s insurance and registration details – Sometimes false claims stem from vehicle cloning or mistaken identity
Will A False Claim Affect My Insurance?
Not always, but it can if not handled correctly.
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If the claim is successfully rejected, your no claims bonus shouldn’t be affected
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If the insurer pays out (even without your fault), it could raise your premium
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Some cases are settled without admission of liability. Ask your insurer to explain this clearly
Can You Fight A False Claim?
Absolutely. You can:
- Dispute liability via your insurer
- Provide solid evidence to support your version of events
- In serious cases, escalate to the Financial Ombudsman Service if you feel the insurer has mishandled your claim
Some drivers also take out legal expenses insurance, which covers the cost of defending against false or exaggerated claims.
Provide proof of your whereabouts, dashcam footage, location history, witnesses, receipts, anything that places you elsewhere.
In most cases, your insurer handles everything. Court is rare and only happens if liability is seriously disputed.
Your insurer can share basic information but may not reveal full details unless the case escalates legally.
Yes, if their claim caused financial damage or distress, you may be able to counterclaim through civil courts or report suspected fraud.
