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18% willing to lie on a car insurance application or claim10 Aug 2011by Robbie Dunmore In a survey of British car insurance consumers from direct car insurance and price comparison website car-insurance-uk-supermarket.co.uk, 10% of respondents stated that they had lied on a car insurance application form or would be willing to do so.  8% (of the total sample) said that they had lied when making a car insurance claim or would be willing to do so. 83% said that they would never be dishonest in relation to their car insurance with one person saying that they were 'not sure' (suggesting they had not ruled out a dishonest application or claim in the future). These figures are even less than those reported by Confused.com recently that found that 14% had lied on a car insurance application to reduce their premium. Because our sample size (of 100) was relatively small, however, our 95% confidence intervals are quite wide with the effect that statistically our findings are equivant to a potential range of from 5% to 15% for those that have lied on a car insurance application. If we wish to make a statement about the likely prevalence of lying in car insurance applications in the population in general then it is this range rather than our exact percentage that is most relevant. The Confused.com findings, with their sample size of 2000, has a smaller margin of error, with their 95% confidence intervals being 13-15%. Our 5-15% range, because it overlaps with the Confused.com range indicates that statisitically, our findings are not significantly different On the other hand, our study does suggest a trend towards a further reduction in those willing to be dishonest in relation to car insurance applications, given that our study is the most up-to-date, having been conducted in July to Aug 2011. Certainly, dishonesty in car insurance is now becoming more easy for car insurance providers to detect and perhaps the public has responded to this by being more honest. New tools that the car insurance industry now uses or will soon have available to them include access to the Insurance Fraud Bureau (IFB) and Association of British Insurers (ABI) databases to check for past car insurance claims or known insurance cheats, as well as a link-up with the DVLA database to check for license points. In addition, the IFB uses powerful software to help to identify so-called 'fronting' where, typically, a parent poses as the primary driver to reduce a teenager's premium. The findings of our study, and similar studies, would suggest that lying in car insurance applications is indeed on the decline. Nonetheless, as our study also showed, many remain willing to lie when making a car insurance claim and our figures are consistent with the relatively high prevalence of car insurance fraud in this country. Indeed, the UK has been dubbed the whiplash capital of Europe, allleged whiplash being an easy way for a frauster to secure a compensation pay-out. |
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