Across the OIC portal, total motor-related claims fell from 259,079 in 2024 to 241,913 in 2025. Represented claims fell from 228,372 to 212,388 over the same period, while unrepresented claims reduced more modestly from 30,707 to 29,525.
The composition of claims also shifted during the year.
Multiple injury claims accounted for a smaller share of total OIC volumes, falling from around 8.5% of claims in 2024 to 7.6% in 2025. Pure whiplash claims also made up a reduced proportion of overall activity, easing from roughly 16.4% to 15.7% year on year.
By contrast, combined physical and psychological whiplash claims increased their share of total claims, rising from around 36.8% in 2024 to 38.3% in 2025, meaning that more complex claims are now accounting for a greater proportion of claims going through the portal.
As with all calendar-year claims data, figures for late 2025 – particularly December – will continue to develop as further notifications, progression events and settlements are recorded. While this will lift absolute totals, it is unlikely to alter the broader year-on-year patterns observed across the full dataset.
The MoJ RTA data shows a similar direction of travel. Indeed, Claims Notification Forms fell from 83,417 in 2024 to 80,658 in 2025.
Measured as a proportion of claims entering the MoJ process, fewer cases progressed to both stage one and settlement in 2025 than in 2024, while the share of claims proceeding to court packs remained broadly unchanged.
Average general damages for settled claims were largely flat year on year, suggesting that the reduction in settlements was driven more by process dynamics than by changes in settlement severity.
Taken together, the data points to a motor injury claims environment in which volumes eased modestly in 2025, but progression slowed more materially.
Claims continued to enter both the OIC and MoJ systems at broadly similar levels, yet a smaller proportion advanced through to liability decisions, formal stages and settlement.
For insurers, this distinction is critical. Focusing on headline claim volumes alone risks overstating improvement. The year-on-year data suggests that 2025 was characterised less by a step-change in claim behaviour and more by reduced progress within the claims process, alongside gradual shifts in settlement mix.
Understanding those dynamics remains essential to interpreting motor injury performance accurately.
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