Association of Personal Injury Lawyers
A not-for-profit organisation representing injured people

RE: Firms still fuel rising costs as premiums fall (1 May)

01 May 2019
APIL news



Assertions that fraudulent whiplash claims have driven up the cost of car insurance premiums in recent years are simply not true. The insurance industry’s own figures show that proven fraud is only present in 0.22 per cent of all motor-related insurance claims. An even smaller fraction of that relates to personal injury claims and whiplash a fraction of that.


There are many factors which affect the price of premiums, yet people with whiplash injuries always seem to take the blame. Overwhelming insurance industry evidence shows that there is no correlation between personal injury claims and the high cost of motor premiums. The cost of injury claims to motor insurers has fallen by 21 per cent since 2013, meanwhile our premiums have risen by 19 per cent.


The Government needs to turn its attention elsewhere to keep the cost of motor insurance premiums down.


Brett Dixon


The Association of Personal Injury Lawyers (APIL)

Past letters to the press

MoD shirking responsibility to pay compensation to injured veterans after six years, 28 Jul 2020
Regional newspapers: Being late is taken more seriously than being injured needlessly, 28 Jan 2020
The Scotsman re: Rachel Henry and Alistair Kinley: Fraudulent and dishonest claims getting off Scot-free, 16 Jan 2020
To The Scotsman re: Scotland set to become first choice to bring personal injury actions , 04 Nov 2019
Discount rate disparity in Northern Ireland must be addressed - Belfast Telegraph, 16 Jul 2019
Inquests for stillborn babies , 18 Jun 2019
Regional letter - mesothelioma payment scheme must be extended for all asbestos related diseases, 03 Apr 2019
Regional letter - Psychiatric harm , 19 Dec 2018

More past letters to the press

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