Helen Morgan
MP for North Shropshire · Liberal Democrat · United Kingdom
“In 2022, we welcomed the first women’s health strategy, which promised to “listen more carefully to women, close gaps in care, improve research and tackle inequalities.” Those were all vital goals, but three years on, the problems remain stubbornly in place: long waits for gynaecology treatment, patchy access to services, women reporting…”
“I thank the Minister for outlining the existing statutory framework. I agree that it ought to be sufficient, but there are high-profile instances where it has not been, so I look forward to hearing more from her on Report about how the cultural change will be implemented so that further legislation is not necessary.”
“There is significant vaccine hesitancy across some ethnic minority communities and in hard-to-reach places across the country. We must do more to support doctors, nurses and the NHS to fight fiction with facts, or the long-term health of the country will suffer. That is what new clause 77 seeks to do.”
“May I associate myself with the Minister’s comments and thanks to everybody who has been involved in working on the Bill? I have also enjoyed my time on the Committee, despite the heat.”
“Some pockets of the population have been left unable to get an NHS dental appointment. The action taken so far by the Labour Government has not been good enough, but the fault for this dire situation lies solely at the door of the Conservatives. Their years of neglect have left our dentistry in a shocking condition.”
“New clause 36 would introduce a mandatory individual duty for members of NHS trust and NHS foundation trust boards to escalate evidence of systemic medical malpractice to the Care Quality Commission, the Department of Health and Social Care and the Health Services Safety Investigations Body.”
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“Q I will put words in your mouth, and you can disagree with me. Do you think the Bill should tackle the point about having a properly funded care service so that the transition from hospital to the community can actually take place? As you have just said, if people are not cared for properly, they end up back in hospital, and everyone here agrees that is what we are trying to avoid. Sir Andrew Dilnot: Yes, it is very odd. It is worth doing the odd thought experiment: imagine that the bit of healthcare that was underfunded and available only subject to a means test, and not free, was for heart disease. We cannot imagine it.”
“My view has always been that politicians will support difficult conversations and trade-offs—we heard a little bit about reconfigurations earlier—if the system provides good clinical rationale, good data and good evidence, but those bits of it do not always line up. That is what I would like to get to. I absolutely understand and hear what you say—we will hear more about it and discuss it more, and I have read all the amendments about the best way forward. I think that we all want to get to the same place, but what is the best way to do that, given that we all know that this is really not working and cannot continue?”
“Again, what we heard from Jeremy Hunt was that we needed to put more prescription into the system and yet more requirements to do something without actually making that someone’s central function and job. Now, it is a source of disagreement. As I have said, I think that there is a philosophical disagreement about the best way forward. It is not an antagonistic disagreement; there are fundamentally different views about what to do. We will continue to have discussions, because I think that ultimately we all want the same thing: a more open, transparent and supportive culture. By the way, nobody wants to work in a defensive culture, so I think people want that outcome. It is up to us as politicians to support difficult conversations and trade-offs that happen locally.”
“One of the things that we will do is to bring in regulations—that is a manifesto commitment from the Government—but another commitment that we have made outwith the Bill is to develop a leadership college to support in particular clinical and non-clinical managers, who have a very difficult job, in having the right skills for the new world, which patients and the public rightly expect to be more open and more transparent. We have to change this defensive culture. However, even since Francis, the adding of bodies and the adding of recommendations, and with the bad experience that you have done so much around, something different has to happen.”
“However, as I think I said earlier, you are right, although it is not true everywhere. I am not blaming individuals, because I think that people have been trying to do a difficult job, particularly in getting us through the pandemic and beyond. But they are defensive. That is why Members of Parliament and others do not get responses to their phone calls or their emails. That is a culture that we have to change, and we need to support people to change.”
“In the light of that defensive culture that we know exists in the NHS, and has been highlighted time and again—Mid Staffs; the Shrewsbury and Telford maternity scandal—is the answer not to put the patient voice in the organisations that have a culture problem, but to give those other organisations the teeth they need, or confer a duty on the ICBs or providers to act on recommendations that are given to them, because I think that might be a more helpful way of dealing with this problem? Karin Smyth: I think that gets to the crux of some of this. We will discuss it a lot in Committee, and I am obviously very open to keep discussing it. Thank you for your support on the main provisions. I do not take that for granted because, again, they are still controversial.”
“We heard earlier about the culture of fear, and I think that we have probably all had people in our surgeries who can describe being frightened to speak up about their own personal care because they feel that they might be victimised for it. I know of clinicians who are frightened to speak up about their own experience in the organisation in which they work, because they feel that they will be punished for it.”
“Q I think I would agree with you, Minister, that no one thinks that abolishing NHS England is, in itself, a bad idea, given the duplication and cost. People do not think that a single patient record is a bad idea; I think that they assume that it already exists, and it could be transformative. There are therefore some really good points of agreement on the Bill. It would, however, be helpful to reflect on where there is not agreement: on abolishing Healthwatch and HSSIB. You make the very good point that they have not been successful in their current incarnation, but it is important to consider whether that is because they do not have teeth, or because the organisations that they are trying to change are defensive.”
“Q I have a technical question about foundation trusts. The 10-year plan says that foundation trusts could be given population health responsibility for commissioning and budgets. I do not understand how that fits in with the Bill. Could you clarify whether that is not envisaged for now or if it is lurking somewhere in the Bill that I have not spotted? Karin Smyth: I will need to come back to you on the detail of that. In much of the Bill, we are trying not to over-prescribe. However, we need to get foundation trust licensing right. There are some things that are needed in the Bill, which is what we have put in as far possible, and some things that are not. Can I come back to you on that specific point if that does not answer your question?”
“A couple of weeks ago at my constituency surgery, I met my first victim of FirstPort. He and his wife live in a sheltered accommodation flat on the third floor, and the lift has been out of use for months. They are paying exorbitant management fees, and recently his wife had to negotiate three flights of stairs to get to an appointment while on bottled oxygen. This is not just a rip-off, but an accident waiting to happen. Will the Minister meet me and other concerned MPs to sort out what we can do about FirstPort?”
“It contains no specific, measurable, time-bound target to reduce the backlogs in endometriosis care, nor does the NHS 10-year plan include endometriosis, polycystic ovary syndrome or fibroids in its prevention agenda. Can the Secretary of State explain why?”
“The former Secretary of State, the right hon. Member for Ilford North (Wes Streeting), recognised an appalling culture of medical misogyny and basic, everyday sexism within the NHS. As such, it was extremely disappointing to see that the new women’s health strategy was inferior to the men’s health strategy. The men’s health strategy received 60% more funding for new initiatives and has a named academic network, a formal research mandate aligned with the National Institute for Health and Care Research, and a commitment to publish a one-year accountability report with named, responsible organisations and formal timeframes for every action. It also commits specific funding to trials and pathfinders. As it stands, the women’s health strategy has none of those things.”
“A damning report by the Royal College of Emergency Medicine has estimated that more than 15,800 deaths were associated with long waits in emergency departments in 2025—I think we all agree that figure is an outrage—but the Government still have not published reliable data on long waits and corridor care despite promising to do so by the end of May. Will the Secretary of State tell the House what the Government are trying to hide? Will they adopt Liberal Democrat calls to end corridor care within a year by freeing up beds throughout hospitals and in social care to end the blight of excess deaths in overcrowded accident and emergency departments?”
“I found a really rare thing in Shopshire last week: a new entrant to the dairy sector. However, like lots of small dairy farmers, it is under immense pressure from much bigger companies, whether that is Bute Energy, which is trying to destroy a big chunk of its grassland by planting pylons and an access road though it, or the big supermarkets buying its products at a loss. Can we have a debate in Government time on support for the dairy sector in the light of the Environment, Food and Rural Affairs Committee report’s recommendation that the Groceries Code Adjudicator and the supply code of practice be strengthened?”
“The replacement of council representation with mayors is extremely problematic for the many areas that do not have a mayor, and it removes the local accountability needed to ensure true community representation. Like so much Labour policy, such changes risk benefiting concentrated urban areas, while letting down rural communities such as those I represent.”
“Meanwhile, the removal of the integrated care partnership and the extension of ICBs to cover multiple local authorities raises unanswered questions about the future of social care planning. In Shropshire, the council already spends around 80% of its budget on social care provision. That has a monumental impact on all services, as constant savings have to be found. Removing the pooling of the better care fund among local authorities and ICBs will discourage integrated working between these bodies on social care. Given existing complications over the sharing of costs and social care provision, the chaos of that reorganisation may only exacerbate confusion. It is also astounding that the Bill plans to remove the duty of GP representation on ICBs, along with local authorities and NHS trusts.”
“Instead of the Government’s advertised aim of creating a more community-based NHS, the Bill centralises power in Whitehall, giving sweeping Henry VIII-style powers to the Secretary of State. Such powers carry a real risk that political considerations could influence what should be operational decisions about how the NHS provides for patients in future. That is particularly concerning in the current febrile political climate, and the Government must ensure that protections are in place for what may happen in the future. The Government have made 50% cuts to ICBs, but the Bill gives them new legal responsibilities, different structures and centrally directed spending objectives. It is indicative of a lack of planning that could plunge ICBs into chaos.”
“A real NHS reform Bill would have changes to social care, general practice and prevention at its heart. Instead, this Bill passes responsibilities around Whitehall, centralising more power with the Secretary of State, while chaos reigns following 50% cuts to ICB budgets. Early in his term, the right hon. Member for Ilford North (Wes Streeting) promised that another top-down reorganisation of the NHS was the last thing he wanted to do. Yet the abolition of NHS England is exactly that—focusing on reorganisation at the top, while failing to deliver real improvements for patients and staff. It is true that NHS England has allowed Ministers to shirk responsibility and accountability, but its abolition has been poorly planned, leaving both ICBs and specialised commissioning in chaos.”
“They promised to treat mental health with parity, but although mental health accounts for 20% of the disease burden, its share of NHS budgets is falling to just 8.4%. The Government promised to protect women’s health, but the women’s health strategy published this year was significantly weaker than the men’s health strategy, which received 60% more funding for new research. Healthy life expectancy in the UK is stagnating, and adult social care is under ever more pressure, putting immense stress on the budgets of councils and other local authorities. The reality in rural North Shropshire is that people struggle to get GP appointments, 12-hour waits in A&E have become normal and finding an NHS dentist is becoming impossible. The social care crisis has left Shropshire council’s finances in a dire situation.”
“I start by declaring an interest as a member of the all-party group on patient safety and as a vice-president of the Local Government Association, and also by welcoming the new Secretary of State to his place. I very much look forward to working constructively with him during the passage of the Bill. We all know that our NHS is in desperate need of transformation. Hospitals are in chaos, social care is overloaded and getting a GP appointment is a huge challenge for many. Labour has promised to put patients and communities at the heart of the NHS, but I fear that the Bill does not fulfil that promise. The Government promised to sort out social care, but two years later they are still only part-way through a three-year review.”
“This Health Bill could have been a moment for real change. Liberal Democrats are clear about what real modernisation of the NHS would look like. Our vision for a reformed, community-based NHS is one where proper care and restored investment in public health ultimately cut NHS waste and empower people to live healthier and more independent lives. This Bill focuses on shuffling responsibility around Whitehall and gives the Secretary of State the role of chief micromanager. The Government continue to procrastinate over bringing in real change to fix social care, empower patients and save our NHS. In Committee and on Report, Liberal Democrats will use every lever at our disposal to deliver the transformation the NHS so desperately needs.”
“Liberal Democrat plans will give people control, rooting services in communities, listening to patients and making it much easier to see a GP. We will give patients a right to see a GP within seven days, reverse surgery closures and ensure proper personalised management of chronic conditions and frailty, with guaranteed access to a named GP for those patients. We will also protect the mental health investment standard so that we can rebuild community mental health services—something that this Government have failed to do— empowering individuals with poor mental health by intervening early and allowing them to access care in their community. Our maternity rescue plan will ensure that Britain is the safest country in the world in which to have a baby, offering one-to-one midwifery care and empowering women at this most important moment.”
“The nation’s health is stagnating, with an ever-widening gap in healthy life expectancy between the country’s most and least deprived areas and growing pressure on adult social care. Fixing social care is fundamental to our vision for the NHS. It is the key to providing a better quality of life for the frail and vulnerable, freeing up hospitals and building independence for an ageing population. It also empowers our constituents to live as independently as possible in their homes and near to their families and communities. We cannot fix the NHS and move care to the community while ignoring social care—yet the Bill ignores it and, as I have outlined, the changes to ICB commissioning will undermine the structures that are supposed to integrate social care with the NHS.”
“We would introduce a health charter to set out guiding principles for data sharing across the NHS, ensuring that patients are in charge of their own data. The Bill’s references to carers are welcome, as is the Secretary of State’s duty to promote the involvement of carers alongside patients in decision-making around care and commissioning. However, the Bill goes nowhere near tackling the social care crisis and demonstrates a pitiful lack of ambition on one of the biggest challenges we face. As I mentioned, the chaos caused by the restructuring of ICBs will only worsen the challenges that local authorities face in providing care for an increasingly ageing population. We want to transform the NHS so that patients are empowered to live more healthily, for longer and in dignity.”
“The Liberal Democrats welcome the move to create a single patient record; that part of the Bill could prove to be the most transformational for patient experience and, most importantly, for patient outcomes. People are tired of endless NHS admin and of having to reconfirm their medical histories over and over to different medical professionals. Patient harm has often occurred where clinicians have not had a patient’s full medical history, and different parts of the NHS having access to the same patient information is clearly necessary. However, that must come alongside essential new privacy protections and safeguards for patients, particularly given the understandable concerns surrounding Palantir’s involvement with the federated data platform.”
“In Shropshire more than 200 babies are thought to have died due to maternity failures; in the reviews that followed, the one thing that came up time and again was that grieving parents were not listened to. Patients and their families must have a voice. The new system will give no incentive to investigate such issues, which are invisible in the main performance metrics of the NHS. To see the value of Healthwatch, we need only look at the Cabinet Office King’s Speech briefing for the Bill, which refers to a Healthwatch report from May 2025 on missing medical records in order to make the case for the single patient record. I urge the Government to protect both national Healthwatch and local healthwatch organisations, and the independent whistleblowing routes that empower and advocate for patients.”
“More than half of patients who experienced poor care in 2024 did not take any action, with many citing fears that giving negative feedback directly to the NHS might affect their ongoing treatment. That is why it is crucial that we have an independent patient voice, rather than leaving the Department or the ICB to mark its own homework. We need only look at the devastating consequences of the failings uncovered during the Mid Staffordshire scandal, and the long list of maternity failings since, to see how important it is to have Healthwatch exposing challenges in the health service and listening to patient feedback, and how the CQC can fail in that operation.”
“My hon. Friend will not be surprised to hear that I agree with his point. ICBs are already overstretched and underfunded. In North Shropshire, both Shawbury medical practice and Prescott surgery in Baschurch are in desperate need of expansion. Community infrastructure levy money is available and land is earmarked for a new site, but progress is being held up by the ICB’s inability to agree notional rent. That situation is replicated across the country, and there is no sign of such problems being solved by the Government’s changes. The plan to abolish Healthwatch will ultimately strip patients of their voice. There has been a statutory independent patient voice in the health and care system for more than 50 years.”
“It also really affects how farmers—there are over 1,000 farms in North Shropshire—do their business. Theirs are often the worst-connected properties, but farmers need to be online to deal with the regulatory environment within which they operate, and they might need to use GPS to work their farm machinery. All that is a problem if the digital connectivity is poor.”
“We need the Government to put in place a regulatory environment for the businesses that connect us digitally to ensure that rural places get the service they need. At the moment, they are being held back by the lack of availability. I will give the House an example. I spoke to a business owner last week—they were actually talking to me about cash and getting to the bank, which I will come to later—who cannot accept payment cards at their premises because they are without a decent signal and any network. They have to give their bank details to their customers, who then go home and make a bank transfer—hopefully. That business is taking on all that risk because it cannot operate a simple swipe-and-pay system. The lack of digital connectivity has that kind of impact on businesses in my area.”
“Everyone who lives in North Shropshire knows that is complete rubbish, because it is impossible to make a phone call from lots and lots of places, including while driving down the A5. Prees Green is a particular blackspot where I tend to get cut off when speaking to my husband on my way home on a Wednesday night. There are all sorts of places where it really is impossible to make a phone call, and that is holding businesses back. In fact, the River Severn Partnership found that 15.33% of postcodes are without good coverage, and the Rural Services Network says that 65% of rural residents across the country experience unreliable mobile signal. That really matters to people trying to run a business, particularly if they are on the road with that business or trying to work from home. It is holding us back.”
“In Shropshire, the contract was awarded to a company called Freedom Fibre, which was going to roll out fibre broadband to 12,000 properties but stalled at 3,500 after it could not get the funding it needed to connect the rest. The remaining properties will now be connected by Openreach, but not until 2030. That matters in rural places where, for instance, someone with a farm might allow other businesses to run from redundant buildings that are past their sell-by date and no good for keeping animals. However, those places do not have fibre broadband, which means they are not suitable places for start-up businesses to operate from. The absence of broadband is really beginning to hold us back. It is the same story with mobile coverage. Ofcom reports that 1.45% of postcodes do not have “good” voice capability.”
“I wish to speak about rural regeneration and the need to back business and create economic growth in rural areas. Around a fifth of the British population live in rural areas, which have great untapped potential, but we do not see the infrastructure in those areas to allow them to reach that potential and provide the economic growth we need. To illustrate the point, I have picked five areas, the first of which is digital connectivity. The previous Government’s Project Gigabit seemed like a really good idea: to roll out fibre broadband across rural areas, in places where it would otherwise not have been commercial, and connect businesses and homes so that people could do the things that they need to online—whether that is work from home, start a new business or connect their existing business.”
“I agree entirely. I question the perception that people’s objection to masts is holding us back. In Shropshire, passive infrastructure masts have planning permission and are ready to go; what cannot be achieved is a mobile phone operator willing to put its equipment on those masts. We need to work with mobile network operators to get the connectivity we need. I will move on to public transport. Shropshire has lost 63% of its bus miles since 2015, compared with 19% on average across England. Places like Woore, a village of around 1,000 people in my constituency, have no bus service at all; others, like Trefonen, have one bus a day. Weston Rhyn residents do have a bus service, but at the moment it just does not turn up because of a road diversion. This is really holding people back.”
“Many of our dairy farmers are producing at lower than cost, and fertiliser and diesel prices are soaring because of the war in Iran, causing a huge crisis of confidence in the farming industry. I look forward to hearing how the Government are going to generate confidence in our farming industry so that our rural economies can thrive.”
“I have had a lot of feedback from businesses in my constituency saying that banking services are critical. Council funding is really important, and councils are critical for economic development. Shropshire does not have Pride in Place funding. It has lost the local growth funding, and it has not been given shared prosperity funding now that it has been phased out. That really impacts our ability to attract people into tourism and to regenerate the area. I would also say that education funding is part of that picture, because skills are essential. In areas where there are low outcomes for children, having very low input into their schools is problematic. Finally, I want to talk about farming. The family farm tax has held back over 1,068 farms in Shropshire. Milk prices are a real problem.”
“If a person in Shropshire cannot afford to run a car, they are pretty much stranded where they are. If that person is a young person looking for their first job or looking to learn the skills needed to work, they will probably struggle to get work because of the lack of public transport. Trains are a real problem too. Accessibility at Whitchurch station has been overlooked, as has the connection between Oswestry and Gobowen. Those trains could be transformational for our area. I welcome the Government’s review of in-person banking services that was announced last week. There is only one town with a bank in my constituency. We need to ensure that everybody can access the services they need. A business owner should not be required to drive many miles simply to change a signatory.”
“I thank my hon. Friend for her intervention; it speaks to the point that rural areas have been looked past by the current Government and the previous Government. They have been neglected for many, many years, and if we are to unleash the potential of those rural areas, we need the political will to invest in them. Shropshire has lost more bus service miles than pretty much anywhere else in the country, but in the funding round in early 2025, Shropshire had the 53rd lowest of 73 allocations, despite being one of the worst-served counties in the country. Local businesses and the local jobcentre tell me that not being able to get staff to their businesses is the biggest problem they face. They struggle to recruit skilled labour and to get people to them because there is very poor public transport.”
“I wonder whether it has occurred to the hon. Gentleman that the Liberal Democrats’ whole point is that local government should be able to decide on its own policies, because they will be appropriate in some cases and not in others.”
“I agree with my hon. Friend’s point about sales commission charges. Given that we had a consultation into park home sales commission charges in 2022, which concluded that there was no good justification for them, does he agree that what we now need from the Government is not another a consultation, but a fixed timeline so that we can understand when real action will be taken on behalf of our constituents in park homes?”
“Basically, behind the fake ad is an organisation that will claim for all these costs in a court case, based on the fact that it was not your fault. If they lose that court case, you are on the hook for the exorbitant costs. On top of that, you will have had an accident and failed to tell your insurance company, and there are potential legal ramifications of that as well. I have been shocked to find out that there are qualified solicitors working for no win, no fee firms involved in this type of scam. These firms are fully registered with the Solicitors Regulation Authority. How can that possibly be ethical? It is clearly dishonest, and for that reason I would argue it is barely legal.”
“You ring and you get through to someone who sounds very sympathetic, and they arrange to tow your car away. Over the next few days, you are repeatedly in touch with them. They convince you that you need to hire a car, they sort out your repairs and they send you paperwork to sign for all those things. At no point do they tell you they are not your insurance company, but the reality is that they are not, and the fees that have been racked up for the tow truck, the repairs and the car hire are potentially excessive. They may also have invited you to see a doctor, maybe in a hotel or other obscure location, and convinced you that there is a valid claim for whiplash or other injury as well. What is the problem with all this?”
“Scammers will ask for personal details to provide ‘support services’ and potentially make a claim. They use psychological tactics to befriend, reassure and pressure victims, while all the time collecting personal information for financial gain.” Let us imagine a scenario: you are driving along in a blame-free manner, and some idiot pulls out of a side road and hits you. It is unfortunate, but these things happen. Nevertheless, you are very shaken up. You both pull over and agree to swap insurance details. If your car is not moveable, you will need to arrange for it to be towed away. You do not have your insurance details on you, but you know the company you are insured with, so you google their phone number. You see your insurance company and its logo at the top of the results.”
“Because their case is yet to come to court, I cannot give any specifics of it—I can reassure you, Ms Lewell, that I have checked the content of my speech with the Clerks—but it is typical of the problem. On its website, the Association of British Insurers describes paid ad spoofing as follows: “Paid Ad Spoofing involves scammers who use paid advert spoof websites to appear at the top of search engines usually to trick drivers into thinking they will be directed to the website of the genuine insurer. Scammers target motorists when they’re most vulnerable after road traffic accidents. When a driver uses their smartphone to start initiating a claim from the roadside, they may be directed to the website of an unscrupulous firm instead of their insurer.”
“I beg to move, That this House has considered the matter of fraud in the car insurance industry. It is a pleasure to serve under your chairship, Ms Lewell. Before I start, I thank the Minister; the shadow Minister, the hon. Member for Wyre Forest (Mark Garnier); and my hon. Friend the Member for Honiton and Sidmouth (Richard Foord) for being here to respond to the debate. This issue cuts across several Departments, and my main ask is for a co-ordinated response to it across Government. I will touch on many types of fraud in the car insurance industry, but I want particularly to draw the Minister’s attention to paid ad spoofing, which came to my attention after a constituent fell afoul of the scam.”
“In the interests of time, and because many of them have been well rehearsed over the years, I have not touched on the other types of fraud for which we all must pay: fake claims, orchestrated crashes and even inflated claims, which large numbers of people admit to even though it is a criminal offence. I look forward to hearing from the Minister, particularly regarding the unethical practices of some in the legal profession and the steps that can be taken to prevent online giants helping to perpetuate this problem. I particularly look forward to her describing how we can look at this problem across Government, because I fear that it is falling between the stalls of the various Departments that have an interest in it.”
“That is a heavy burden to place on people who believed they were just doing the right thing. Again, the social media and online companies who host those adverts are the only ones not paying the price. I repeat my concern that this area is effectively unregulated. As I have said, fraud is not a victimless crime. It drives up premiums for everyone and leaves individuals facing financial and legal consequences through no fault of their own. Tackling it effectively requires robust enforcement, proactive investigation and a willingness to change harmful practices wherever they occur, particularly when they are happening in full view of the system.”
“Although ghost broking was once carried out face to face, social media has transformed its reach. Fraudsters now routinely target people online, with younger drivers particularly at risk. That group are more likely to seek cheaper insurance options and engage with sellers via social media platforms. The scale of the problem is deeply concerning. Data published by Aviva in November 2025 shows that ghost broking cases have risen by 22% over the past two years. Almost one in three people surveyed reported buying car insurance through social media, and 84% of those who purchased a fake policy online suffered serious negative consequences, including police intervention and identity theft. On average, those victims lose around £2,000, excluding the additional costs of fines, vehicle seizure, legal consequences and higher future premiums.”
“One of the most concerning trends is the rise of ghost broking, which is a crime where fraudsters sell fake or invalid car insurance policies to unsuspecting customers. Criminals obtain policies using false information to reduce premiums, then manipulate documentation to make those policies appear legitimate. The consequences for their victims are severe. Many believe that they are fully insured, only to find that they hold no valid cover under UK law. That often only comes to light when they are stopped by the police or attempt to make a claim following an accident. Drivers caught without valid insurance face vehicle seizure, potentially unlimited fines and even driving bans. Victims are then left to cover repair costs themselves and find new insurance, often at a much higher premium.”
“The ABI has written to me to say that insurers are investing heavily to tackle the problem. Its members spend more than £200 million each year to combat fraud, including funding the Insurance Fraud Bureau, which leads the fight against organised insurance crime, and the insurance fraud enforcement department in the City of London police. Unsurprisingly, motor insurance fraud is the most prominent focus of investigation and enforcement activity. However, I argue that, in the case of paid ad spoofing, where there are properly registered firms clogging up the courts with excessive claims that could have been sorted out through the normal insurance settlement process, those organisations are operating in plain sight. I urge fraud specialists to investigate that. Other types of fraud are equally serious.”