Fraudsters on mopeds are driving head-first into motorists in a rising insurance scam that has claimed thousands of victims, authorities have warned.
Many of the “crash for cash” moped scammers are believed to be couriers delivering items including takeaways, according to the Insurance Fraud Bureau (IFB).
Nearly every UK insurer has received bogus claims related to the fraud – collectively valued at £27m – with more than 2,200 victims in London alone in the last two years, where it has “become epidemic”, investigators say.
It is feared thousands more drivers have unknowingly been targeted across the country – and an urgent appeal has now been launched to help motorists learn the warning signs of the scam.
How does the scam work?
Unlike traditional crash for cash scams where fraudsters slam on their car’s brake in hope that the victim behind cannot stop in time, this con involves mopeds being driven at oncoming cars.
The moped scammer hides out of sight in a side road or parking space, and then deliberately drives into the victim as they head towards them.
They then usually throw their moped to the ground and drop to the floor to dramatise an injury, before taking photos of the incident.
The fraudster sometimes has an accomplice to act as a witness and help facilitate the scam.
Advertisement
There have also been reports of an accomplice using a van to help obscure the victim’s view before the moped drives into them, making the scam easier to carry out.
Most reported incidents have taken place in north London, where residents have been told to be vigilant of any moped users who appear to be lingering unnecessarily on public roads.
Image: Pic: IFB/Hastings Direct
Who’s being targeted?
Incidents date back as far as 10 years ago, according to the IFB and the City of London Police’s Insurance Fraud Enforcement Department (IFED).
There has been a surge in incidents since 2021 across London boroughs, including Barnet, Brent, Camden, Enfield, Haringey and Hackney, Islington, and Kensington and Chelsea – with affluent areas often targeted.
The issue of crash for cash moped scams in the capital has now grown to become the IFB’s biggest ever investigation.
Ursula Jallow, director at IFB, said: “Crash for cash moped scams have become epidemic in our capital.
“These dangerous fraudsters are driving head-first into unsuspecting motorists, leaving countless victims terrified and insurers facing millions of pounds in bogus claims.”
Matthew Stevens, anti-fraud director at insurer Hastings Direct, said this type of fraud “not only has a negative impact on insurance premiums, it is also very dangerous”.
“It is a clear demonstration that these criminals have no regard for public safety and no concern for innocent and unsuspecting road users, who are often left traumatised following these incidents,” he added.
Mark Allen, from the Association of British Insurers, said: “Staged crash for cash scams are a dangerous menace on our roads.
“Often highly organised, and constantly looking for new targets to exploit, these criminals put lives at risk.
“The industry is determined to do all it can to protect innocent motorists from these frauds through working collaboratively to drive this scourge from our roads.”
Anyone who thinks they have been targeted in a crash for cash moped scam can contact police if they feel in any immediate danger and inform their insurer of the incident.
Evidence of the scam can be reported to IFB’s confidential Cheatline service, via an online form or by calling 0800 422 0421.
Her comments followed the departure of the prince and several others from the organisation in March.
They had asked her to step down, alleging it was in the “best interest of the charity”.
Dr Chandauka told Sky News that Harry had “authorised the release of a damaging piece of news to the outside world” without informing her or Sentebale directors.
The Duke and Duchess of Sussex declined to offer any formal response.
Please use Chrome browser for a more accessible video player
4:43
Why was Prince Harry accused of ‘bullying’?
‘Strong perception of ill-treatment’
The Charity Commission said it was reporting after a “damaging internal dispute emerged” and has “criticised all parties to the dispute for allowing it to play out publicly”.
That “severely impacted the charity’s reputation and risked undermining public trust in charities more generally”, it said.
But it found no evidence of “widespread or systemic bullying or harassment, including misogyny or misogynoir at the charity”.
Nevertheless, it did acknowledge the “strong perception of ill-treatment felt by a number of parties to the dispute and the impact this may have had on them personally”.
It also found no evidence of “‘over-reach’ by either the chair or the Duke of Sussex as patron”.
‘Confusion exacerbated tensions’
But it was critical of the charity’s “lack of clarity in delegations to the chair which allowed for misunderstandings to occur”.
And it has “identified a lack of clarity around role descriptions and internal policies as the primary cause for weaknesses in the charity’s management”.
That “confusion exacerbated tensions, which culminated in a dispute and multiple resignations of trustees and both founding patrons”.
Please use Chrome browser for a more accessible video player
4:43
Why was Prince Harry accused of ‘bullying’?
Harry: Report falls troublingly short
A spokesperson for Prince Harry said it was “unsurprising” that the commission had announced “no findings of wrongdoing in relation to Sentebale’s co-founder and former patron, Prince Harry, Duke of Sussex”.
They added: “Despite all that, their report falls troublingly short in many regards, primarily the fact that the consequences of the current chair’s actions will not be borne by her, but by the children who rely on Sentebale’s support.”
They said the prince will “now focus on finding new ways to continue supporting the children of Lesotho and Botswana”.
Dr Chandauka said: “I appreciate the Charity Commission for its conclusions which confirm the governance concerns I raised privately in February 2025.”
But she added: “The unexpected adverse media campaign that was launched by those who resigned on 24 March 2025 has caused incalculable damage and offers a glimpse of the unacceptable behaviours displayed in private.”
All police forces investigating grooming gangs in England and Wales will be given access to new AI tools to help speed up their investigations.
The artificial intelligence tools are already thought to have saved officers in 13 forces more than £20m and 16,000 hours of investigation time.
The apps can translate large amounts of text in foreign languages from mobile phones seized by police, and analyse a mass of digital data to find patterns and relationships between suspects.
Please use Chrome browser for a more accessible video player
2:00
Grooming gang inquiry: ‘Our chance for justice’
‘We must punish perpetrators’
The rollout is part of a £426,000 boost for the Tackling Organised Exploitation (TOEX) programme, which supports officers to investigate complex cases involving modern slavery, county lines and child sex abuse.
“The sexual exploitation of children by grooming gangs is one of the most horrific crimes, and we must punish perpetrators, provide justice for victims and survivors, and protect today’s children from harm,” said safeguarding minister Jess Phillips.
“Baroness Casey flagged the need to upgrade police information systems to improve investigations and safeguard children at risk. Today we are investing in these critical tools.”
Please use Chrome browser for a more accessible video player
1:36
Key takeaways from the Casey review
Lack of ethnicity data ‘a major failing’
Police forces have also been instructed by the home secretary to collect ethnicity data, as recommended by Baroness Casey.
Her June report found the lack of data showing sex offenders’ ethnicity and nationality in grooming gangs was “a major failing over the last decade or more”.
She found that officials avoided the issue of ethnicity for fear of being called racist, but there were enough convictions of Asian men “to have warranted closer examination”.
The government has launched a national inquiry into the abuse and further details are expected to be announced in the coming weeks.
Rachel Reeves will need to find more than £40bn of tax rises or spending cuts in the autumn budget to meet her fiscal rules, a leading research institute has warned.
The National Institute of Economic and Social Research (NIESR) said the government would miss its rule, which stipulates that day to day spending should be covered by tax receipts, by £41.2bn in the fiscal year 2029-30.
In its latest UK economic outlook, NIESR said: “This shortfall significantly increases the pressure on the chancellor to introduce substantial tax rises in the upcoming autumn budget if she hopes to remain compliant with her fiscal rules.”
The deteriorating fiscal picture was blamed on poor economic growth, higher than expected borrowing and a reversal in welfare cuts that could have saved the government £6.25bn.
Together they have created an “impossible trilemma”, NIESR said, with the chancellor simultaneously bound to her fiscal rules, spending commitments, and manifesto pledges that oppose tax hikes.
Please use Chrome browser for a more accessible video player
1:56
Could the rich be taxed to fill black hole?
Reeves told to consider replacing council tax
The institute urged the government to build a larger fiscal buffer through moderate but sustained tax rises.
“This will help allay bond market fears about fiscal sustainability, which may in turn reduce borrowing costs,” it said.
“It will also help to reduce policy uncertainty, which can hit both business and consumer confidence.”
It said that money could be raised by reforms to council tax bands or, in a more radical approach, by replacing the whole council tax system with a land value tax.
To reduce spending pressures, NIESR called for a greater focus on reducing economic inactivity, which could bring down welfare spending.
Please use Chrome browser for a more accessible video player
1:40
What’s the deal with wealth taxes?
Growth to remain sluggish
The report was released against the backdrop of poor growth, with the chancellor struggling to ignite the economy after two months of declining GDP.
The institute is forecasting modest economic growth of 1.3% in 2025 and 1.2% in 2026. That means Britain will rank mid-table among the G7 group of advanced economies.
‘Things are not looking good’
However, inflation is likely to remain persistent, with the consumer price index (CPI) likely to hit 3.5% in 2025 and around 3% by mid-2026. NIESR blamed sustained wage growth and higher government spending.
It said the Bank of England would cut interest rates twice this year and again at the beginning of next year, taking the rate from 4.25% to 3.5%.
Spreaker
This content is provided by Spreaker, which may be using cookies and other technologies.
To show you this content, we need your permission to use cookies.
You can use the buttons below to amend your preferences to enable Spreaker cookies or to allow those cookies just once.
You can change your settings at any time via the Privacy Options.
Unfortunately we have been unable to verify if you have consented to Spreaker cookies.
To view this content you can use the button below to allow Spreaker cookies for this session only.
Persistent inflation is also weighing on living standards: the poorest 10% of UK households saw their living standards fall by 1.3% in 2024-25 compared to the previous year, NIESR said. They are now 10% worse off than they were before the pandemic.
Professor Stephen Millard, deputy director for macroeconomics at NIESR, said the government faced tough choices ahead: “With growth at only 1.3% and inflation above target, things are not looking good for the chancellor, who will need to either raise taxes or reduce spending or both in the October budget.”