What is fraud?

According to the Association of British Insurers, insurance fraud adds an extra £50 to the insurance bill of the average household.

In these tough economic times it is important that we show our commitment to the prevention and detection of fraud to protect our customers and to keep our insurance premiums down.

There are two types of insurance fraud:


Application Fraud occurs when a policy holder or applicant either misrepresents or deliberately fails to disclose material facts at policy inception for financial gain.

Types of application fraud include:

  • Misrepresentation / Non-Disclosure
    Can include parents taking out insurance policies as the policy holder when their child is actually the main driver, or failing to disclose all accidents/convictions.
  • No Claim Discount Fraud
    Falsely claiming to have acquired a greater entitlement of No Claim Discount.
  • Payment Fraud
    Taking out a policy with no intent to pay. Could be using own and/or stolen payment details.


Claims fraud is, quite simply, fraud involving claims. There are 2 categories:

  • Fictitious losses, incidents or injuries
    Where a claim is submitted for a loss or incident which did not occur.
  • Material misrepresentation or exaggeration of a claimed loss or personal injury
    Where a genuine loss or incident occurs but the claimant deliberately misrepresents or exaggerates the extent of the claim for financial gain.

What to do if you have been the victim of fraud……

If you have information regarding a fraudulent Direct Line insurance policy or claim, please email our dedicated teams:

Policy Fraud : Direct.Referral.Team@directlinegroup.co.uk
Claims Fraud : intelligence@directlinegroup.com

Please note that Direct Line is part of the Direct Line Group of companies.

Or you can contact the Insurance Fraud Bureau’s Cheatline : Telephone: 0800 422 0421

You can also make a report using the online reporting tool

Alternatively if you have information regarding other types of fraud you can contact Action Fraud:
Telephone: 0300 123 2040
Text phone: 0300 123 2050

You can also submit a report to Action Fraud using the online reporting tool