A major insurer has reported a 19pc year-on-year increase in fraudulent claims, which it says is being driven by organised gangs and a "lack of effective deterrents". Aviva said it uncovered more than £110m-worth of motor insurance fraud last year, marking a 19pc increase compared with 2012, with the bulk of bogus claims being due to motor insurance fraud. Motor injury fraud makes up over half (54pc) of Aviva’s total detected claims fraud costs and the insurer said that much of this is down to organised gangs making "crash for cash claims", where criminals deliberately stage an accident, sometimes by slamming on their brakes so that an unsuspecting motorist drives into the back of them.