UK EXPERIENCE IN COUNTERING INSURANCE FRAUD

Abstract: currently, insurance fraud is one of the most common modern types of fraud. Liability for insurance fraud is a relative novelty of criminal law in the Russian Federation. The introduction of the aforementioned composition into the criminal code exposed many problems of Russian criminal law and revealed systemic flaws not only in the norms of this industry, but also in administrative legislation. One of these drawbacks is the determination of the size of a criminal fraud. In this regard, the study of foreign experience in the matter of establishing criminal responsibility for the criminal act in question is relevant. This paper examines the experience of criminal law countering insurance fraud in the UK. It is revealed that in judicial practice in the UK, insurance fraud cases are quite common. The author comes to the conclusion that the English experience can be used, where a differentiation of responsibility for fraud into crimes and misdemeanors is provided. In general, analyzing the UK criminal law in the area of liability for insurance fraud, it should be noted that in this country, lawmakers precedents provide for responsibility for imprisonment for the most socially dangerous cases of insurance fraud. At the same time, relatively severe penalties are provided for these crimes, which can reach 10 years in prison. Similarly, insurance fraud under UK law includes fraud due to the impossibility of disclosing information that must be provided by law. Responsibility for such an act is not known to Russian law can be implemented in the domestic legislation.

Keywords: insurance, crime, criminal law, qualification, fraud, law enforcement practice

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