One of the current dangerous ploys from the criminal community are induced road collisions, also known as ‘Crash for Cash’ scams.


These are definitely something you need to be aware of and we’re expecting a rise in incidents over the coming months as the UK leaves lockdown.

Crash for cash scams are dangerous money-making schemes where criminals create road collisions in order to try and claim for insurance pay-outs.

Ageas Insurance saw cases rise by 150% when the first national lockdown was lifted in 2020 and we’re expecting another rise now the latest lockdown restrictions have been lifted.


The perpetrator/s often stage incidents which are designed to make you drive into the back of their car, so that they can claim on the insurance and say it was your fault. They are also likely to try and claim for damage to their car or make bogus personal injury claims caused by the collision, such as claiming they’ve suffered whiplash, for example.

How do they do it?

One example of such a scam could be that they flash their car lights at a junction to let you out, then they pull out and then crash into you deliberately - only to insist afterwards that you were to blame.

Criminals often choose their victims carefully, for example, targeting the elderly or mums with children in their car - people they think they’re more likely to successfully intimidate.

The results of the scams can be incredibly dangerous as well as stressful for the victims, as well as leading to higher motor insurance costs for all driver – something that we all want to avoid.

Three types of cash for crash scams

Fraudsters have developed many different ‘Crash for Cash’ scams, all with the aim of making a false claim on their car insurance. Some of the most common are:

Staged accidents

This is when fraudsters work together and crash into each other in a staged incident. Alternatively, they might purposefully damage their vehicles and then concoct a story afterwards about having had an accident - which they can use to fraudulently claim on their insurance.

Ghost accidents

This type of crash for cash scam happens only on paper. Fraudsters make fabricated claims for damage to a car caused by an accident which never even took place, hoping they won’t need to provide any evidence.

Induced accidents

In these sorts of scams fraudsters target an innocent motorist, who they can then claim was to blame for the incident. As well as flashing their lights at you to let you out at a junction - only to then collide with your car and claim it was your fault – some other examples include:

  • They’re driving in front of you and suddenly slam their brakes on - sometimes after they’ve disconnected their brake lights – so you drive into the back of their car. They then claim the collision was your fault. 

  • Their car is stationary in the middle of a quiet road, often at night. When you drive up to it from behind, you might stop or slow right down, at which point the driver will suddenly reverse into you. Again, they will claim you drove into the back of them and it was your fault.

  • They overtake you, swerve in front of you and then brake hard. Their intention is for you to drive into the back of them, and they’ll then blame you for the incident.

Remember too, that the criminals who set up these types of scams may not be working alone and are often part of a gang. Some of them may also place ‘witnesses’ nearby who will claim the criminal driver’s version of events is correct.

How to avoid becoming a victim of a crash for cash scam

Crash for cash incidents are, unfortunately, becoming quite common, and are expected to rise in the near future as the lockdown restrictions are eased.

According to the Insurance Fraud Bureau (IFB), a not-for-profit organisation which acts against insurance fraud, an estimated 170,000 car insurance claims in the period of just 15 months could be linked to crash for cash gangs[1]

Earlier this year, the IFB published a list of the UK’s Crash 4 Cash hotspots, with Birmingham topping the list as the place with the highest prevalence of this type of crime.

At Ageas, our claims data reflects the IFB’s findings, with Birmingham among one of the top places where its customers have been targeted.

Leicester, Coventry, Nottingham, Sheffield and Harrow and Romford in London were also hotspots according to Ageas’ claims data.

Robin Challand, Claims Director at Ageas Insurance, says:

 “Lockdowns made it harder for Crash 4 Cash scammers to operate because with less traffic on the road it made it more difficult to disguise their actions. But as restrictions are lifted and road-use returns to more normal levels, that’s when we see these criminals start to re-emerge and put innocent motorists at risk by causing accidents. We’re urging motorists to be vigilant and be aware of some of the tell-tale signs of a scam.”

Of course, these crimes can take place anywhere, so it’s important that all drivers are aware of the tell-tale signs. Here are some of the warning signals to help you spot a crash for cash scam:

  • Look out for erratic driving and unusual behaviour, such as: a car that is travelling unusually slowly, varying their speed for no clear reason or the driver is paying particular attention to the vehicle behind them. 
  • Always maintain a safe distance from vehicles in front of you, so you brake in time should you need to.
  • Be cautious when pulling out onto a road, especially if encouraged by another driver waving you on or flashing their lights to let you out.
  • After an incident, look for scam warning signs: according to the IFB, these include a driver or their passengers appearing to be unphased after the collision, or if they exaggerate injuries. If they have pre-written insurance information easily to hand, that could also be a sign they’re crooks carrying out a well-rehearsed scam.

If you are involved in an accident and think it may be a Crash for Cash scheme, then gather as much information as you can: take notes including information about the driver, passengers, and if you can see any CCTV in the area. If it is safe, it’s also worth taking photos of the scene.

Call the police to report your suspicions and you can also report insurance fraud confidentially using the IFB’s Cheatline.

Also, make sure you make a note of the police crime reference number if you’re given one. By being more alert and aware of the risks, you can reduce the chances of falling victim to a crash for cash scam.

See our press release.

Find out more about road safety and car insurance claims on Solved.

[1] https://insurancefraudbureau.org/media-centre/news/2021/the-uks-top-30-crash-for-cash-scam-hotspots-revealed/