Despite a 60 % drop in claims that result in fatalities , third - party personal injury claims account for 39 % of Aviva 's car insurance companies ' claims spend , and 38 % at the Co - operative , Esure , and Shiela 's Wheels , according to Which ? research . Most of the rise in premiums is attributed to fraudulent insurance claims . The research found that 73 % of revenue is spent on paying claims , 23 % on overheads , and 15 % is profit .
Despite a 60% drop in accidents that result in injury, third-party personal injury claims account for 49% of Aviva's car insurance companies' claims spend, and 38% at the Co-operative, Esure, and Shiela's Wheels, according to Which? research. Most of the rise in premiums is attributed to fraudulent injury claims. The research found that 73% of premiums is spent on paying claims, 23% on overheads, and 2% is profit.