More than one in three French people ready to defraud their insurance!

With insurance premiums regularly revised upwards, the temptation to defraud your insurance is more and more tempting. Whether to benefit from better compensation or avoid bad surprises on their bonus-malus, 38% of French people say they are ready to defraud their insurance company and around 1 in 5 insured has even done so (compared to only 11% in 2021). This is the result of a survey carried out in May 2022 on a sample of 1,008 respondents aged 18 or over, and representative of the French population.

To explain the passage to the act, the justification is often financial: 35% of French people who have already defrauded have done so in order to avoid a penalty or to avoid increasing their insurance premium (32%). For 29% of them, it was a question of benefiting from better compensation.

Insurance fraud is also a generational issue, as the study confirms: 36% of 18-34 year olds say they have already defrauded their insurance against less than 15% among those aged 55 and over. Nearly a third of those under 35 even say they would do it again if the opportunity arose. ” Unlike young policyholders for whom the premium is likely to explode in the event of a claim, seniors are less hesitant about the idea of ​​having a penalty and therefore declare more of their claims. Young drivers, for example, already pay a high price with car insurance at around €971/year, or 33% more than the global average. The addition could be even more salty if a penalty were to be added to the bill! explains Itzal Arbide, CEO of

A particularly striking point of the study, the proportion of “solidarity fraud” dominates among policyholders: more than one in three French people have already, or could, use their insurance for the loss of a third party (35%). This trend of “doing a favor to a friend” is also 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. On the other hand, 29% of French people already have or could use the insurance of a loved one in their favor (20% for 18-34 against 4% for those aged 55 and over).

More than one in three French people ready to defraud their insurance!

However, it is recalled, defrauding his insurance, whatever it is, can be very expensive for the insured. Failing to report a claim, holding another person responsible or presenting false invoices are all situations considered insurance fraud, with penalties ranging from non-payment of the claim to reimbursement of all claims indemnified by the insurer for 2 years. Recognized as a criminal offence, insurance fraud is also punishable by a 5-year prison sentence and a fine of €375,000.

Better not to give in to temptation.

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