Are the insurence companies to blame

With the cost of motor insurances increasing year on  year for drivers who have never made a claim, are the insurance companies to blame? Its reported that every motorist is paying a minimum increase of £40 on their  insurance policies to cover the cost of drivers who are making fraudulent claims, which are on the increase year after year. Could some of these increase be due to honest motorists who feel aggrieved that they can't keep paying these increases and so revert to breaking the law? Something we can't condone, but we can see how they feel especially if they are low income earners. In many cases the insurance companies know these are fraudulent claims  but are to lazy or incompetent to pursue these false claims, and its much easier to increase every bodies insurance. Is this not aiding and abetting a crime, and as such they are helping to commit offences. Should the law not prosecute insurance companies who knowingly pay out to false claims. Especially when there are many drivers who have had minor accidents and inform their insurance companies of this  only to find out later that they have paid out on damaged vehicles that were not as damaged as the occupants claim, and claim for whiplash victims who were never in the car. Insurance companies are helping to make crime pay, at the expense of the honest citizens.