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13 November, 2015

Whiplash claims cost the UK 2bn per year

Whiplash is one of the most common personal injury claims, and with more than 1500 claims being made everyday in the UK, it costs the insurance industry more than £2 billion a year. On average this adds £90 to the average motor insurance premium.

Whiplash is a neck injury caused by a sudden movement of the head forwards, backwards or sideways. Research from The Association of British Insurers (ABI) show that the UK is the “whiplash capital of Europe”. 78% of personal injury claims in the UK, following road traffic accidents are for whiplash, twice the average percentage of whiplash claims across Europe. It compares to 30% in France and Denmark, 31% in Spain, 35% in the Netherlands and 68% in Italy.

The phrase “cash for crash” is now a commonly used expression. The meaning being “to stage or deliberately cause a road traffic collision solely for the purpose of financial gain”. Aviva, the UK’s largest insurer say more than 50% of its motor injury claims fraud is now organised, with Birmingham and Greater London sharing the top spot for fraudulent motor claims.

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