20% of French people have already cheated

The trend is on the rise and this is very bad news for insurers, but also for the French who are guilty of it: defrauding their insurance. The comparator LeLynx and YouGov carried out a survey showing that insurance fraud almost doubled between 2021 and 2022.

The French are increasingly cheating their insurance

It would seem that the risks involved, insurance fraud being an offense punishable by 5 years in prison and a fine of 375,000 euros, are no longer sufficient to be dissuasive. According to the survey conducted by YouGov for LeLynx, one in five French people, or 20%, admits having already defrauded their insurance. And what it concerns the automobile, the dwelling or others.

A trend that has increased sharply with the health crisis and which should continue with the economic situation: the main reason put forward is indeed linked to financial difficulties. However, in 2021, the same survey announced only 11% of insurance fraudsters in France. The rate has doubled… what will happen in 2023?

Auto insurance is especially cheated

According to the survey, the first reason that pushes the French to defraud is the risk of having a malus on their car insurance, which logically makes it the most affected type of insurance. It must be said that in terms of claims, there is more risk of being responsible for an accident or a simple collision than for having set fire to your house.

And it is the young people who seem to easily ignore their duties: 36% of 18-34 year olds have already defrauded their insurance, compared to 15% of those over 55. As for the method, it is simple: false declaration, false invoices, non-declaration of loss or even “solidarity fraud”, i.e. the fact of declaring oneself responsible for the loss caused by a third party to avoid the consequences of his actions.

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