The Insurance Fraud Bureau (IFB) has added short-term motor specialist Dayinsure to its membership, with the Cheshire-based provider becoming the first short-term insurance business to formally join the bureau's anti-fraud network.
Dayinsure is a provider of flexible, short-term motor insurance. Its products are typically used when drivers need on-demand cover to borrow a vehicle, test-drive a private sale or meet short-term mobility needs.
By joining the IFB, Dayinsure will gain access to the bureau's centralised counter-fraud intelligence, data-sharing platforms and cross-industry investigations.
Ursula Jallow, director of the IFB, said the addition of Dayinsure reflects efforts to bring a broader range of market participants into the bureau's work.
“We’re very pleased to have Dayinsure join our membership. Specialists like Dayinsure, who play a key role in the provision of insurance services, will see their fraud defences strengthened and be in a better place to protect their honest customers and reduce fraud-related costs," Jallow said.
The move comes against a backdrop of persistent fraud pressures in UK general insurance, with motor remaining the most targeted line. Industry data in recent years has consistently shown motor accounting for the largest share of detected fraudulent claims by both volume and value, including crash-for-cash scams and inflated personal injury and repair bills.
At the same time, motor insurers have faced rising claims costs driven by labour, parts inflation and theft, intensifying the focus on loss-cost control and pricing discipline.
Short-term and app-based motor products carry a distinct risk profile within that landscape. Rapid onboarding, high policy turnover and fully digital journeys can make these products attractive to fraudsters attempting application fraud, identity misuse or short‑lived cover for staged collisions. Industry bodies have repeatedly warned that crash‑for‑cash scams remain a regular occurrence on UK roads, underlining the role of real‑time data sharing across all motor distribution channels.
Dayinsure will now be able to contribute intelligence on suspicious behaviour into IFB platforms and receive proactive alerts on emerging fraud networks, including those linked to short‑term cover. The bureau’s strategy in recent years has placed greater emphasis on advanced analytics and proactive network alerts for members, with intelligence feeds designed to support underwriting, fraud and claims teams in intervening earlier in the policy and claims lifecycle.
In practice, that means Dayinsure will be able to screen applications and claims against a wider pool of industry data, participate in multi‑insurer taskforces and feed intelligence into investigations coordinated with IFED and other agencies.
Chris Bibby, CEO of Dayinsure, said the move is intended to strengthen the firm’s fraud controls while supporting wider market efforts.
“Becoming a member of the Insurance Fraud Bureau is an important step for Dayinsure and reflects our commitment to protecting honest customers and the wider insurance market," he said. "By working closely with the IFB we can play a more active role in identifying, preventing and disrupting fraudulent activity, particularly in our own short-term insurance sector."
The partnership also aligns with government and industry initiatives aimed at tackling fraud across financial services. The insurance sector’s fraud charters and commitments with law enforcement place a strong emphasis on collective data‑sharing and joint operational activity, with bodies such as the IFB and IFED positioned as central delivery mechanisms.
As fraud methodologies evolve, market participants operating in high‑velocity, digital distribution channels are under pressure to match ease of purchase with equally robust fraud controls.
For the motor market, bringing more short‑term and on‑demand providers into the IFB’s orbit broadens the intelligence available to tackle emerging threats, with potential implications for loss costs, pricing stability and customer trust across the wider sector.
