{"id":24830,"date":"2026-03-13T17:16:02","date_gmt":"2026-03-13T17:16:02","guid":{"rendered":"https:\/\/insurance-canada.ca\/?p=85111"},"modified":"2026-03-13T17:16:02","modified_gmt":"2026-03-13T17:16:02","slug":"unpacking-views-on-fraud-in-insurance-aviva-nanos-research","status":"publish","type":"post","link":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/2026\/03\/13\/unpacking-views-on-fraud-in-insurance-aviva-nanos-research\/","title":{"rendered":"Unpacking views on fraud in insurance: Aviva &amp; Nanos Research"},"content":{"rendered":"<p>Toronto, ON (Mar. 9, 2026) \u2013 Canadians are concerned about fraud in the insurance industry, from the threat on a personal level to the industry-wide costs resulting from staged collisions, inflated claims, and more, according to the results of a new survey commissioned by Aviva and conducted by Nanos Research.<\/p>\n<p>Nationally, more than one-third of respondents (37.8 percent) ranked \u2018<strong>Cyber crime\/online scams\/identity theft<\/strong>\u2018 as the most concerning risk influencing insurance; it was followed by \u2018<strong>Auto theft<\/strong>\u2018 at 15.7 percent, \u2018<strong>Home invasions<\/strong>\u2018 at 12.1 percent, and \u2018<strong>Flooding<\/strong>\u2018 at 10.6 percent. No other risk was ranked first by more than six percent of respondents.<\/p>\n<p>For 3.7 percent of respondents, \u2018<strong>Insurance Fraud<\/strong>\u2018 was the most concerning risk influencing insurance, with clear regional and demographic variations. In BC, fraud was ranked highest by respondents, 4.8 percent of whom selected it as the most concerning risk. Meanwhile, just 0.6 percent of respondents in Atlantic Canada ranked insurance fraud as their top concern. Ontario (4.4 percent), Quebec (4.0 percent) and the Prairies (2.4 percent) fell in between.<\/p>\n<p>In the context of ranking risks by concern over their influence on insurance, younger Canadians appear to be more worried about insurance fraud than seniors, with 6.4 percent of respondents aged 25-34 choosing fraud as their top concern, compared to 3.0 percent of those over 55.<\/p>\n<p>However, when it comes specifically to fear about \u2018<strong>being the victim of fraud<\/strong>,\u2019 nearly half (45.2 percent) of those over 55 were worried (rating their concern at least 7 out of 10), versus 39.6 percent of those aged 35-54 and 37.9 percent of those aged 25-34.<\/p>\n<h4>Fear, Fraud and Premiums: Canada\u2019s Hidden Premium Pressure<\/h4>\n<p>The survey uncovered Canadians\u2019 concerns over insurance fraud in greater detail, finding:<\/p>\n<ul>\n<li><strong>Significant concern about cost impacts:<\/strong> Nearly 6 in 10 (<strong>59%<\/strong>) agree they are concerned about the cost of fraud in the insurance system because it affects their premiums.<\/li>\n<li><strong>Punishments seen as too weak:<\/strong> A large plurality (<strong>43%<\/strong>) believe current penalties for committing insurance fraud are not strong enough, while only <strong>16%<\/strong> feel punishments are adequate.<\/li>\n<li><strong>Fraud is a real worry:<\/strong> More than 2 in 5 Canadians (<strong>42%<\/strong>) outright say they are worried about becoming a victim of fraud, while only <strong>19%<\/strong> are not worried.<\/li>\n<li><strong>Top perceived fraud threats:<\/strong> The most commonly ranked personal fraud threats include deliberate staged vehicle collisions (<strong>14%<\/strong>), vehicle-repair\u2013related fraud (<strong>12%<\/strong>), and unlicensed individuals posing as insurance brokers (<strong>8%<\/strong>).<\/li>\n<\/ul>\n<p>Asked to rank the top fraud threats to them personally, respondents highlighted collisions and repairs as their top concerns<\/p>\n<ul>\n<li>Deliberate vehicle collisions staged for fraud purposes: <strong>13.8<\/strong><strong>%<\/strong> <em>(also selected as the number-two threat by a further <strong>12.5<\/strong><strong>%<\/strong> and as the number-three threat by <strong>11.0<\/strong><strong>%<\/strong>)<\/em><\/li>\n<li>Vehicle repair related fraud: <strong>11.7<\/strong><strong>%<\/strong> <em>(also selected as the number-two threat by a further <strong>17.1<\/strong><strong>%<\/strong> and as the number-three threat by <strong>13.3<\/strong><strong>%<\/strong>)<\/em><\/li>\n<li>Unlicensed individuals posing as insurance brokers: <strong>7.8<\/strong><strong>%<\/strong><\/li>\n<li>Roofing or home repair fraud: <strong>7.2<\/strong><strong>%<\/strong><\/li>\n<li>Deliberately inflating cost of contents\/belongings: <strong>6.5<\/strong><strong>%<\/strong> <em>(also selected as the number-three threat by a further <strong>10.8<\/strong><strong>%<\/strong>)<\/em><\/li>\n<li>Re-VINing of stolen vehicles fraud: <strong>5.7<\/strong><strong>%<\/strong> <em>(also selected as the number-two threat by a further <strong>10.1<\/strong><strong>%<\/strong>)<\/em><\/li>\n<li>False insurance details fraud for cheaper premiums: <strong>5.2<\/strong><strong>%<\/strong><\/li>\n<li>Fake insurance\/pink slip fraud: <strong>4.7<\/strong><strong>%<\/strong><\/li>\n<li>Health\/rehabilitation fraud: <strong>3.8%<\/strong><\/li>\n<li>Tow truck fraud: <strong>3.5<\/strong><strong>%<\/strong><\/li>\n<\/ul>\n<h4 class=\"smallhead\"><b>Survey Methodology<\/b><\/h4>\n<p>The research gauged the opinions among Canadians on their views towards fraud insurance.<\/p>\n<p>Nanos conducted an online non-probability representative survey of 1,569 Canadians, 25 years of age or older, between January 23rd and January 27th, 2026.<\/p>\n<p>Although no margin of error applies, for comparison purposes, a probability sample of 1,569 would have a margin of error of \u00b12.5 percentage points, 19 times out of 20.<\/p>\n<p>The statistical tabulations including the unweighted and weighted number of interviews can be accessed <a href=\"https:\/\/nanosresearch.sharepoint.com\/:x:\/s\/NanosSharedProjects\/IQClk_2Lf6v-SoCN7eBHtONyAT2_cuvegTHzgrNdA2owbr8?e=limfHD\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><u>here<\/u><\/a>.<\/p>\n<p>The research was commissioned by Aviva and was conducted by Nanos Research.<\/p>\n<p>To view the full report, <a href=\"https:\/\/nanos.co\/wp-content\/uploads\/2026\/02\/2026-2986-Aviva-Populated-Report-Fraud.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><u>click here<\/u><\/a>.<\/p>\n<h4 class=\"smallhead\"><b>About Aviva Canada<\/b><\/h4>\n<p>Aviva Canada is one of the leading property and casualty insurance groups in the country, providing home, automobile, lifestyle, and business insurance to 2.5 million customers coast to coast. A subsidiary of UK-based Aviva plc, we have the financial strength, scale and are a trusted insurance provider globally for more than 325 years. For more information, visit <a href=\"https:\/\/www.aviva.ca\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">aviva.ca<\/a>.<\/p>\n<h4 class=\"smallhead\"><b>About Nanos Research<\/b><\/h4>\n<p>As one of North America\u2019s premier market and public opinion research firms, we put strategic intelligence into the hands of decision makers. The majority of our work is for private sector and public facing organizations and ranges from market studies, managing reputation through to leveraging data intelligence. Nanos Research offers a vertically integrated full service quantitative and qualitative research practice to attain the highest standards and the greatest control over the research process. For more information, visit <a href=\"https:\/\/nanos.co\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">nanos.co<\/a>.<\/p>\n<p class=\"referencetext\"><em>Source: Aviva Canada<\/em><\/p>\n<p> Tags: <a href=\"https:\/\/insurance-canada.ca\/tag\/aviva\/\" rel=\"tag\">Aviva<\/a>, <a href=\"https:\/\/insurance-canada.ca\/tag\/fraud\/\" rel=\"tag\">fraud<\/a>, <a href=\"https:\/\/insurance-canada.ca\/tag\/survey\/\" rel=\"tag\">survey<\/a>, <a href=\"https:\/\/insurance-canada.ca\/tag\/top-risks\/\" rel=\"tag\">top risks<\/a>, <a href=\"https:\/\/insurance-canada.ca\/tag\/vehicle-theft\/\" rel=\"tag\">vehicle theft<\/a> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Toronto, ON (Mar. 9, 2026) \u2013 Canadians are concerned about fraud in the insurance industry, from the threat on a personal level to the industry-wide costs resulting from staged collisions, inflated claims, and more,&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[],"tags":[1],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts\/24830"}],"collection":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/comments?post=24830"}],"version-history":[{"count":0,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts\/24830\/revisions"}],"wp:attachment":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/media?parent=24830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/categories?post=24830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/tags?post=24830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}