Kwiksure Reports Hong Kong Has Fewer Cases of Injury Claims Fraud than the UK

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Kwiksure examines reports that suggest Hong Kong motor insurers experience fewer cases of injury claims fraud than the UK.


In the past year, the UK has seen over 60% fraudulent whiplash cases according to the Daily Telegraph. For insurance companies, this means that they are losing an average of a billion pounds a year to false injury claims. This is thought to be the main reason behind insurers raising the price of car insurance premiums by as much as 90 pounds on average per year to cover losses.

Furthermore, there has also been an increase in the number of organized scams whereby drivers are deliberately staging accidents to be able to claim on insurance. Although the state of the current economy may be a motivating factor for the rise in fraud, insurance providers are calling for MPs to introduce measures that will deter such individuals from resorting to these methods.

The cost of going against fraudulent cases, which include investigations and even court cases, might be more expensive than just letting the claim go through to pay out. The UK, compared to most other countries, seems to have the highest percentage of such fraudulent claims. This might be due to the lower legal fees incurred elsewhere in Europe compared to those in Britain when going through a solicitor to make a claim.

When examining the situation in Hong Kong, recent police data indicates that the frequency of car crashes involving personal injury averages over 1000 cases per month. Given the higher incidence of traffic accidents, one might expect more fraudulent claims to be common in the region.

Traffic accidents in general involving human injury, can range from minor to serious injury. Probably the most common injury seen in Hong Kong is whiplash. The symptoms manifested typically comprise of pain in the neck and spinal area accompanied by headaches, soreness and stiffness in the neck.

What is surprising is that when asking Kwiksure's claims team about their experience in dealing with accidents in HK, it would seem few people have reported whiplash injuries, especially when compared to the UK. Furthermore, any suspected whiplash fraud claims also appear to be minimal, even though bodily injuries are always noted in their car insurance claims.

One reason for this might be due to the fact that medical expenses for third party injuries in Hong Kong are only processed once the police have reached their verdict as to who's at fault and the case has gone to court. The long wait, combined with the typically small amount being claimed, may not make it worth the effort to commit fraud.

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Neil Raymond
Pacific Prime
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