By RAM Tracking on 23 Feb 2024

The Top 5 Crash-For-Cash Areas in the UK

Every day, unsuspecting motorists travel on the roads of the UK, unaware that they are potential targets. Crash-for-cash scams have become an alarming problem, compromising the safety and integrity of our roads. According to recent analysis, crash-for-cash scams happen every four minutes on UK roads.

These incidents of deception not only pose a significant threat to road users but also serve as a reminder of the length’s criminals will go to exploit others for personal gain. For fleet managers and businesses reliant on vehicles, the frequency of crash-for-cash scams presents a many issues. The prospect of falling victim to these fraudulent schemes not only jeopardises financial stability but also undermines trust in the integrity of the transport industry.

  • The Insurance Fraud Bureau's findings indicate that approximately 30,000 crash-for-cash incidents occur annually, resulting in an estimated £350 million in losses for insurers.
  • This substantial financial burden inevitably translates into higher premiums for law-abiding drivers, with each individual facing an average increase of £44.

Research conducted by a leading price comparison website revealed alarming statistics regarding the frequency of deliberate incidents among younger drivers. Shockingly, one in twenty drivers under the age of 35 admitted to planning a staged incident, while a staggering 15% expressed willingness to consider such fraudulent actions in pursuit of extra monetary gain.

What is crash-for-cash?

A crash-for-cash scam is a type of insurance fraud where individuals deliberately stage or cause an incident to make fraudulent insurance claims. These scams typically involve one or more parties intentionally causing a collision, often by suddenly breaking or manoeuvring their vehicle in a way that forces the unsuspecting victim to rear-end them.

  • After the staged incident occurs, the fraudsters involved will file inflated or fabricated insurance claims for vehicle damage, personal injuries, or both.
  • They may also exaggerate the extent of injuries or involve multiple parties who falsely claim to have been injured in the collision.

Crash-for-cash scams can take various forms, including single-vehicle incidents, staged multi-vehicle collisions, or even orchestrated incidents involving pedestrians. The goal of these scams is financial gain, as the perpetrators seek to exploit insurance payouts for their own enrichment.

These scams come in various forms, each designed to deceive insurers and exploit unsuspecting motorists. These fraudulent schemes typically fall into three main categories:

  • Staged incidents: In this scenario, fraudsters orchestrate a collision by intentionally crashing their own vehicles together or faking damage to make it appear as though a genuine incident has occurred. This could involve strategically positioning vehicles to create the illusion of a collision or simulating the effects of a crash without actual impact.
  • Induced incidents: In an induced incident, criminals target innocent motorists with the aim of making them appear at fault. This may involve tactics such as abruptly slamming on the brakes in front of another vehicle, leaving the unsuspecting driver with insufficient time to react and causing a rear-end collision.
  • Ghost incidents: The ghost incident scheme involves entirely fabricated claims for incidents that never occurred. Fraudsters submit falsified documentation and evidence to support their fictitious accounts of collisions, claiming damages and injuries that have no basis.

Each type of crash-for-cash scam represents a calculated attempt to exploit insurance policies and fraud insurers, often resulting in significant financial losses and increased premiums for honest policyholders. By understanding the tactics employed by fraudsters, fleet managers and drivers can better protect themselves against these deceptive practices and contribute to deterring such criminal activity on the roads.

Crash-for-cash hotspots

Crash-for-cash scams represent a prevalent threat on roads nationwide, with certain areas identified as particularly vulnerable by the Insurance Fraud Bureau. The top five crash-for-cash hotspots are:

  • Birmingham.
  • Bradford.
  • Walsall.
  • Blackburn.
  • Romford.

To safeguard your vehicles from the risk of crash-for-cash scams, implementing robust security measures for your drivers is essential. Here are some proactive steps to protect your fleet:

  • Maintain safe distances: Avoid tailgating and ensure a safe distance from the vehicle ahead. By allowing ample space, you reduce the risk of being caught off-guard by sudden braking or other deceptive manoeuvres.
  • Utilise dash cams: Install dash cams in your vehicles to capture footage of any incidents accurately.
  • Stay alert: Remain vigilant while driving and be attuned to any signs of suspicious or erratic behaviour from other road users. Observing your surroundings can help you identify potential threats and take pre-emptive action to avoid becoming a victim of fraudulent activity.

By adopting these proactive measures, fleet owners can strengthen their vehicles against the threat of crash-for-cash scams, contributing to safer roads and greater resilience against fraudulent activities.


The frequency of crash-for-cash scams on UK roads poses a significant threat to both motorists and insurers, damaging the safety and integrity of our roadways. With incidents occurring at an alarming rate of one every four minutes, it's evident that this form of insurance fraud is a serious problem that demands attention and proactive measures.

  • The financial implications of crash-for-cash scams are substantial, with insurers facing losses amounting to an estimated £350 million annually.
  • This burden trickles down to law-abiding drivers, who are forced to bear the brunt of increased premiums, with each individual facing an average hike of £44.

Understanding the various forms of crash-for-cash scams is crucial for motorists and fleet managers alike. From staged incidents to induced collisions and ghost claims, these deceptive tactics aim to exploit insurance policies and defraud insurers for personal gain.

  • Maintaining safe distances.
  • Deploying dash cams.
  • Staying alert to suspicious behaviour

Can help fleet owners can strengthen their vehicles against potential exploitation, contributing to safer roads and greater resilience against fraudulent activities.

In the ongoing battle against crash-for-cash scams, collective efforts from motorists, insurers, and law enforcement are essential to combat this threat effectively. By raising awareness, implementing preventative measures, and remaining vigilant on the roads, we can strive towards a safer and more secure environment for all road users.

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