According to a study, it is 9 points more than in 2021… The reasons are many but the risks are high.
Car or home insurance fraud is on the rise in France. This is the conclusion of a YouGov study* conducted for the comparator LeLynx.
Thus, in 2022, almost 20% of policyholders assume that they have already committed insurance fraud, compared to 11% in 2021. A more than significant increase that is difficult to explain.
What are the motivations? 35% of French people who have already defrauded have done so in order to avoid a penalty (car insurance) or to avoid increasing their insurance premium (32%). 29% sought to benefit from better compensation for claims.
Others do it to help a third party… More than 1 in 3 French people have already or could use their insurance for the loss of a loved one. This trend is more popular with younger people: 28% of 18-34 year olds have already carried out this type of fraud against 7% for those aged 55 and over. And conversely, 29% of French people already have or could use the insurance of a loved one in their favor.
Young people are the most likely to cheat
Who are the policyholders who cheat the most? According to the study, 36% of 18-34 year olds say they have already defrauded their insurance against less than 15% among those aged 55 and over. “Less looking at the benefit/risk side, almost a third of those under 35 even indicate that they would do it again if the opportunity presented itself” can we read.
“Unlike young policyholders for whom the premium risks exploding in the event of a claim, seniors are less hesitant about the idea of having a penalty and therefore declare their claims more. Young drivers, for example, are already paying the price strong with car insurance around 971 euros/year, or 33% more expensive than the overall average. The bill could be even higher if a penalty were to be added to the bill!” explains Itzal Arbide, CEO of LeLynx.fr.
It also seems that the practice of fraud is rather masculine: of the proportion of French people who say they have already cheated, 58% are men and 42% are women.
Still, nearly a third of fraudsters admit to regretting having taken action…
A big risk
It must be said that insurance fraud can be very expensive for the insured. “Omitting to declare a claim, placing the responsibility on another person or presenting false invoices are all situations considered insurance fraud. The penalties range from not taking charge of the claim to reimbursement of all claims compensated by the insurer for two years” recalls the study.
And it can even go further in the event of a recurrence. Recognized as a criminal offence, insurance fraud is punishable by 5 years in prison and a fine of 375,000 euros.
If fraud is on the rise, 80% of French people say they are still satisfied with their insurance. According to the comparator, they pay an average of 641 euros per year to insure their car and 153 euros per year to insure their accommodation.
*: Quantitative survey carried out by YouGov in May 2022 on a sample of 1008 respondents representative of the French population aged 18 or over.