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.
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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.
Safeguarding minister Jess Phillips has told Sky News that councils that believe they don’t have a problem with grooming gangs are “idiots” – as she denied Elon Musk influenced the decision to have a national inquiry on the subject.
The minister said: “I don’t follow Elon Musk’s advice on anything although maybe I too would like to go to Mars.
“Before anyone even knew Elon Musk’s name, I was working with the victims of these crimes.”
Mr Musk, then a close aide of US President Donald Trump, sparked a significant political row with his comments – with the Conservative Party and Reform UK calling for a new public inquiry into grooming gangs.
At the time, Ms Phillips denied a request for a public inquiry into child sexual exploitation in Oldham on the basis that it should be done at a local level.
But the government announced a national inquiry after Baroness Casey’s rapid audit on grooming gangs, which was published in June.
Asked if she thought there was, in the words of Baroness Casey, “over representation” among suspects of Asian and Pakistani men, Ms Phillips replied: “My own experience of working with many young girls in my area – yes there is a problem. There are different parts of the country where the problem will look different, organised crime has different flavours across the board.
“But I have to look at the evidence… and the government reacts to the evidence.”
Ms Phillips also said the home secretary has written to all police chiefs telling them that data collection on ethnicity “has to change”, to ensure that it is always recorded, promising “we will legislate to change the way this [collection] is done if necessary”.
Operation Beaconport has since been established, led by the National Crime Agency (NCA), and will be reviewing more than 1,200 closed cases of child sexual exploitation.
Ms Phillips revealed that at least “five, six” councils have asked to be a part of the national review – and denounced councils that believed they don’t have a problem with grooming gangs as “idiots”.
“I don’t want [the inquiry] just to go over places that have already had inquiries and find things the Casey had already identified,” she said.
She confirmed that a shortlist for a chair has been drawn up, and she expects the inquiry to be finished within three years.
Ms Phillips’s comments come after she announced £426,000 of funding to roll out artificial intelligence tools across all 43 police forces in England and Wales to speed up investigations into modern slavery, child sex abuse and county lines gangs.
Some 13 forces have access to the AI apps, which the Home Office says have saved more than £20m and 16,000 hours for investigators.
The apps can translate large amounts of text in foreign languages and analyse data to find relationships between suspects.
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.
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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”.
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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.
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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.”
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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.