0:00:03 > 0:00:07Insurance fraud in the UK is reaching epidemic levels.
0:00:07 > 0:00:09And it's costing us billions of pounds every year.
0:00:11 > 0:00:14Deliberate crashes, bogus personal injury claims,
0:00:14 > 0:00:16even phantom pets!
0:00:18 > 0:00:21The fraudsters are risking more and more
0:00:21 > 0:00:22to make a quick killing.
0:00:23 > 0:00:27And every year, it's adding up to £50 to your insurance bill.
0:00:29 > 0:00:34Insurers are fighting back, armed with covert surveillance systems...
0:00:36 > 0:00:37'Subject out the vehicle.'
0:00:37 > 0:00:40..sophisticated data analysis techniques.
0:00:41 > 0:00:44And highly-skilled dedicated police units...
0:00:44 > 0:00:47Police! Don't move! Stay where you are!
0:00:47 > 0:00:49..they're catching the criminals red-handed.
0:00:49 > 0:00:53All those conmen, scammers and cheats on the fiddle,
0:00:53 > 0:00:58now they're caught in the act and claimed and shamed.
0:01:04 > 0:01:05Police!
0:01:05 > 0:01:09A specialist police unit co-ordinates a swoop on three suspected fraudsters.
0:01:09 > 0:01:11Open the door or it'll get forced open!
0:01:11 > 0:01:16An angry road user tries to defraud his victim in Bristol.
0:01:16 > 0:01:19He was stationary and a bus has hit him in the rear.
0:01:19 > 0:01:22And a pillar of the community comes crashing down.
0:01:22 > 0:01:27His reputation's gone, he's lost his career. It wasn't a risk worth taking.
0:01:30 > 0:01:33This guy is having a bad day at the office.
0:01:33 > 0:01:38Five minutes ago, he was driving this bus through the busy streets of Liverpool.
0:01:38 > 0:01:42But now he's calling his employers to tell them he's just been involved in a crash.
0:01:45 > 0:01:47His bus hit a parked white transit van.
0:01:47 > 0:01:51The strike to the van was forceful enough to injure its occupants.
0:01:51 > 0:01:54Unloading in the back of the van was Melvin Williams.
0:01:54 > 0:01:58In the driver's seat was owner Nathan Montgomery.
0:01:58 > 0:02:02Mr Montgomery alleged that an Arriva bus had hit his parked van
0:02:02 > 0:02:04when he was sat in the driver's seat
0:02:04 > 0:02:06and the passenger also in the van with him.
0:02:06 > 0:02:09He said he'd been jolted sideways and backwards
0:02:09 > 0:02:12and he'd also hit his head on the windscreen.
0:02:12 > 0:02:14So he described quite a violent collision.
0:02:14 > 0:02:19After exchanging details, the white van and its rattled occupants drive away.
0:02:19 > 0:02:21Soon after the incident,
0:02:21 > 0:02:25the bus company receive two personal injury claims
0:02:25 > 0:02:26from Montgomery and Williams.
0:02:27 > 0:02:32We then got two claims from the driver and the passenger
0:02:32 > 0:02:33both saying that they were injured.
0:02:33 > 0:02:35We got medical evidence from Mr Montgomery.
0:02:35 > 0:02:39He had a whiplash-type injury and a contusion to the head.
0:02:39 > 0:02:42We never got medical evidence for the passenger.
0:02:42 > 0:02:44He just said he'd suffered a whiplash injury.
0:02:44 > 0:02:47Often, whiplash injuries don't come cheap.
0:02:47 > 0:02:52The reserve for both claims was £24,000 which included costs.
0:02:52 > 0:02:54It was a big blow for the bus company.
0:02:54 > 0:02:58Especially as they don't use an external insurer for incidents like this.
0:02:58 > 0:03:02They self-insure, paying out of their own pockets.
0:03:02 > 0:03:04As part of the claims process,
0:03:04 > 0:03:07the bus driver who caused the collision
0:03:07 > 0:03:09was asked to provide his version of events.
0:03:09 > 0:03:13On receiving them, the bus company halted the case.
0:03:13 > 0:03:15When we got the claim form from the driver,
0:03:15 > 0:03:17he said it was a very minor collision.
0:03:17 > 0:03:21He'd just misjudged it and caught the wing mirror of the parked van.
0:03:22 > 0:03:25It certainly didn't sound like the kind of collision
0:03:25 > 0:03:28that would lead to a bash to the head and a double whiplash claim.
0:03:28 > 0:03:31Crucially, there was one last comment from the driver.
0:03:33 > 0:03:36The driver also said he didn't think there was anybody in the vehicle.
0:03:36 > 0:03:38He wasn't certain, but he didn't think there was.
0:03:38 > 0:03:42It was a statement that suggested the whole claim was a lie.
0:03:42 > 0:03:44So which account was true?
0:03:44 > 0:03:47A white van containing a pair of blokes being violently jolted,
0:03:47 > 0:03:50or an empty van getting a clipped wing mirror?
0:03:50 > 0:03:52How could the bus company tell?
0:03:52 > 0:03:54This is how.
0:03:56 > 0:03:59Every Arriva bus has more eyes than a spider!
0:04:00 > 0:04:03The bus that struck the white van was no exception.
0:04:03 > 0:04:07Somewhere, on one of its nine CCTV camera angles, was the truth.
0:04:07 > 0:04:12We interrogated the CCTV because the driver had said he didn't think there was anybody in the van.
0:04:13 > 0:04:15The bus company cued up the tape...
0:04:16 > 0:04:18..and took a look.
0:04:18 > 0:04:22This is the footage from eight seconds before the crash.
0:04:23 > 0:04:25The bus is approaching the white van.
0:04:27 > 0:04:28This is the moment of impact.
0:04:28 > 0:04:32On the CCTV, you couldn't tell whether there was anybody in the van.
0:04:32 > 0:04:36It looked as though there wasn't, but it wouldn't have proved it conclusively.
0:04:36 > 0:04:41The cameras didn't seem to have captured any images that could settle the case.
0:04:41 > 0:04:44Before giving up and paying Montgomery and Williams,
0:04:44 > 0:04:47the bus company took another look at the footage.
0:04:50 > 0:04:53This time, they spotted something in the doorway of a nearby house.
0:04:53 > 0:04:58We went through the whole of the CCTV and eventually spotted two gentlemen
0:04:58 > 0:05:01coming out of the house straight after the collision.
0:05:01 > 0:05:03Seen here, top left.
0:05:03 > 0:05:06I believed it was both Mr Montgomery and Mr Williams
0:05:06 > 0:05:10because we saw these two gentlemen then talking to the driver.
0:05:11 > 0:05:13Three seconds after the incident,
0:05:13 > 0:05:17the bus's side camera had caught two people emerging from a house
0:05:17 > 0:05:19seen here top left.
0:05:19 > 0:05:23Two seconds later, the rear camera captures Montgomery and Williams
0:05:23 > 0:05:26walking up to the driver from the direction of the house.
0:05:26 > 0:05:30Suspecting that the two people leaving the house were Montgomery and Williams,
0:05:30 > 0:05:32the bus company challenged the claim.
0:05:32 > 0:05:35Once I'd looked at the CCTV footage,
0:05:35 > 0:05:37I wrote to the claimants' solicitors
0:05:37 > 0:05:40and said that both claimants were trying to defraud Arriva
0:05:40 > 0:05:43and told them to discontinue.
0:05:43 > 0:05:46They then asked for the CCTV which I sent to them.
0:05:47 > 0:05:51On receiving the footage, the solicitors representing Montgomery and Williams
0:05:51 > 0:05:52agreed with the bus company.
0:05:55 > 0:05:58It was just an opportunist claim. They saw the bus hit the van.
0:05:58 > 0:06:02And obviously saw pound signs and decided to put in a fraudulent claim.
0:06:02 > 0:06:06The bus company weren't going to let them off the hook.
0:06:06 > 0:06:08They went after Montgomery and Williams.
0:06:08 > 0:06:11We decided we wanted a prosecution.
0:06:11 > 0:06:13We got in touch with Liverpool police.
0:06:13 > 0:06:18We sent them the CCTV. They went out and arrested both claimants
0:06:18 > 0:06:19and they were both charged
0:06:19 > 0:06:22and both pleaded guilty.
0:06:22 > 0:06:26Montgomery and Williams each received 150 hours of community service
0:06:26 > 0:06:28and 12 months' probation.
0:06:28 > 0:06:32Hopefully, it will deter these two claimants from trying anything again.
0:06:32 > 0:06:33They've now got a criminal record
0:06:33 > 0:06:36which may affect them in all sorts of ways through their life.
0:06:42 > 0:06:45IFED roots out a suspect from under a bed.
0:06:45 > 0:06:48Is there anything here that shouldn't be here?
0:06:48 > 0:06:50A dishonest driver executes a reckless manoeuvre.
0:06:51 > 0:06:55Look at the footage again and again, to see if you're missing something.
0:06:55 > 0:06:59And some faulty plumbing flushes out a fraudster in Bolton.
0:06:59 > 0:07:02Police officers are not above the law.
0:07:05 > 0:07:07Insurance fraud is on the rise.
0:07:07 > 0:07:10And if you have insurance of any kind,
0:07:10 > 0:07:11you're footing the bill.
0:07:11 > 0:07:15But fraudsters need to watch their back.
0:07:15 > 0:07:19IFED is a 35-strong unit that works tirelessly
0:07:19 > 0:07:22to hunt down and prosecute insurance fraudsters
0:07:22 > 0:07:24wherever they may be throughout England and Wales.
0:07:25 > 0:07:29Through a combination of investigation, industry connections and surprise...
0:07:31 > 0:07:33..they've made over 300 arrests
0:07:33 > 0:07:37and stopped millions of pounds from going to the criminals.
0:07:37 > 0:07:40Money which ultimately goes back in our pockets.
0:07:41 > 0:07:45It's highly likely now, if you commit any insurance fraud, you will get caught.
0:07:45 > 0:07:46Police! Don't move! Stay where you are!
0:07:49 > 0:07:51Today, IFED is out in force.
0:07:51 > 0:07:54Two teams aim to make a total of three arrests
0:07:54 > 0:07:56at three different locations.
0:07:57 > 0:07:59They're aiming to arrest three people
0:07:59 > 0:08:01for taking out bogus insurance policies.
0:08:02 > 0:08:06And for staging crashes in order to make money from the claims.
0:08:06 > 0:08:10A practice otherwise known as "crash for cash".
0:08:10 > 0:08:14We're going to go to the address. We're going to execute a search warrant.
0:08:14 > 0:08:16We're going to seize as much evidence as we can.
0:08:16 > 0:08:19The team being led by DC Kate Sibley
0:08:19 > 0:08:22has arrived at its first raid location.
0:08:22 > 0:08:25From their research, the team expects to find the house crowded.
0:08:29 > 0:08:32Police! Open the door!
0:08:35 > 0:08:37Morning! Police officers.
0:08:37 > 0:08:39Can we have a chat?
0:08:43 > 0:08:45How many are upstairs?
0:08:49 > 0:08:54With so many people in the house, DC Sibley is facing an impromptu identity parade.
0:08:57 > 0:08:59She quickly flushes out her suspect.
0:08:59 > 0:09:01Can I ask your name, please?
0:09:01 > 0:09:03BEEP
0:09:04 > 0:09:08The reason we're here, we're investigating a matter involving a staged car crash.
0:09:08 > 0:09:10OK?
0:09:10 > 0:09:13Where false insurance claims have been made.
0:09:13 > 0:09:16You have made one of those false insurance claims
0:09:16 > 0:09:19because you were a passenger in one of the alleged vehicles.
0:09:19 > 0:09:21You're under arrest for conspiracy to defraud.
0:09:36 > 0:09:40A few streets away, the IFED team being led by PS John Shickell
0:09:40 > 0:09:43is hoping to find the second suspect at their raid address.
0:09:47 > 0:09:50MAN: Who is it? It's the police!
0:09:50 > 0:09:52Open the door or it'll get forced open!
0:09:52 > 0:09:54Hello. Morning.
0:09:54 > 0:09:56INDISTINCT
0:09:56 > 0:09:58Police!
0:09:58 > 0:09:59Open up. Police.
0:09:59 > 0:10:01Police, mate. Morning!
0:10:01 > 0:10:03City police.
0:10:03 > 0:10:05Make your way downstairs. Go into the lounge, please.
0:10:05 > 0:10:08The property has several bedrooms.
0:10:08 > 0:10:12In one of them, PS Shickell finds a relative of the suspect.
0:10:12 > 0:10:14Do you know BLEEP?
0:10:16 > 0:10:18He's your brother. Where is your brother now?
0:10:19 > 0:10:21We need to talk to him.
0:10:21 > 0:10:24Because your brother keeps putting this address down as his home address,
0:10:24 > 0:10:27the police are always going to come back here.
0:10:27 > 0:10:31And we're going to keep coming back.
0:10:31 > 0:10:35So you must have his phone number. Could you give him a call, please?
0:10:35 > 0:10:40PS Shickell asks the other occupants of the house about the missing suspect.
0:10:40 > 0:10:44Does anybody else know BLEEP?
0:10:44 > 0:10:46I presume you must do.
0:10:55 > 0:10:58Are you absolutely sure? Yeah.
0:10:58 > 0:11:00Why haven't you got his number?
0:11:00 > 0:11:02Why should we have his number after he puts us through all this?
0:11:02 > 0:11:06Until we've talked to him, I'm afraid this is just going to keep happening.
0:11:06 > 0:11:08So we need to get hold of him.
0:11:08 > 0:11:11So if you do have his number or know where he is,
0:11:11 > 0:11:14now is the time to tell us.
0:11:14 > 0:11:17The man they came for is proving to be elusive.
0:11:17 > 0:11:20We're now going to search the house looking for that.
0:11:22 > 0:11:24Yeah.
0:11:25 > 0:11:28IFED begins a search of the property.
0:11:28 > 0:11:30They're looking for information about the suspect
0:11:30 > 0:11:33and any potential evidence of fraudulent activity.
0:11:34 > 0:11:38Within various rooms of the property, IFED finds thousands of pounds,
0:11:38 > 0:11:40mostly in £50 notes.
0:11:41 > 0:11:43John, there's about ten grand in one of these rooms.
0:11:43 > 0:11:47I'm going to count this, but I want you to be here when I count it
0:11:47 > 0:11:51cos I don't want someone saying there was 2,000 quid there and there wasn't.
0:11:53 > 0:11:57Volumes of cash like this are suspicious, but not conclusive evidence of fraud.
0:11:59 > 0:12:02PS Shickell hones in on a stash of driving licences
0:12:02 > 0:12:05found in another room.
0:12:05 > 0:12:07Part of what we've found in the wardrobe
0:12:07 > 0:12:12is several licences pertaining to different people.
0:12:12 > 0:12:17There's copies of the licences in different names and addresses.
0:12:17 > 0:12:21Multiple driving licences are seen as one of the tools of the trade for a fraudster,
0:12:21 > 0:12:24allowing them to obtain many insurance policies.
0:12:25 > 0:12:27We suspect it's fraud related.
0:12:30 > 0:12:32From information discovered in the property,
0:12:32 > 0:12:35PS Shickell has a phone number for the suspect.
0:12:35 > 0:12:36Is this BLEEP?
0:12:36 > 0:12:39I am a City police officer.
0:12:39 > 0:12:42We're currently executing a search warrant.
0:12:42 > 0:12:45Your family aren't very happy with you.
0:12:45 > 0:12:46We've...
0:12:47 > 0:12:50You listen to me. You have put your family in this position.
0:12:50 > 0:12:52We've gone to court and got a search warrant.
0:12:52 > 0:12:54We are going to execute the search warrant
0:12:54 > 0:12:57and we're going to take anything that we believe belongs to you.
0:12:57 > 0:12:59Can you either get round here now
0:12:59 > 0:13:01or I'll meet you at the police station.
0:13:01 > 0:13:03But we need to talk to you.
0:13:03 > 0:13:05You're causing your family too much stress.
0:13:07 > 0:13:10He's actually living somewhere else and he's making his way to talk to us.
0:13:10 > 0:13:13So we'll have to wait and see.
0:13:13 > 0:13:15It's nothing for you to be worried about.
0:13:16 > 0:13:18Just don't lie to us.
0:13:21 > 0:13:23This is Inspector Mohammed Razaq,
0:13:23 > 0:13:28a police officer who was known for spearheading a zero tolerance crime clampdown
0:13:28 > 0:13:29in his neighbourhood in Bolton.
0:13:30 > 0:13:34Even the strong arm of the law can't hold back flood waters.
0:13:35 > 0:13:39In 2008, Razaq contacted his insurer, Allianz,
0:13:39 > 0:13:42after his house had sprung a leak.
0:13:42 > 0:13:47In May 2008, we received an escape of water claim from Mr Mohammed Razaq
0:13:47 > 0:13:51related to a burst central heating pipe up in a bedroom
0:13:51 > 0:13:54causing damage downstairs.
0:13:54 > 0:13:57We sent assessors out
0:13:57 > 0:14:01and they valued the damage at around £1,200.
0:14:02 > 0:14:04Razaq disagreed with the insurer's estimate,
0:14:04 > 0:14:08feeling they had massively undervalued the damage caused by the flood.
0:14:08 > 0:14:11Mr Razaq disputed this,
0:14:11 > 0:14:14and provided his own estimates, two of them,
0:14:14 > 0:14:16in the region of £8,000.
0:14:17 > 0:14:20We referred this back to the assessors
0:14:20 > 0:14:28and they amended their report and said there were aspects to the damage which they hadn't accounted for
0:14:28 > 0:14:31and they gave us authority to proceed towards settlement.
0:14:31 > 0:14:35So Mr Razaq was paid the full sum of nearly £8,000.
0:14:37 > 0:14:40With his estimate of £8,000 paid in full,
0:14:40 > 0:14:43Razaq would be able to sort out his water-damaged home
0:14:43 > 0:14:46and get back to keeping the riff-raff off the streets of Bolton.
0:14:47 > 0:14:50It seemed that Mr Razaq was an unlucky man.
0:14:51 > 0:14:53A while after the first incident,
0:14:53 > 0:14:55he suffered another flood.
0:14:56 > 0:15:00But Allianz, who had footed the recent £8,000 bill,
0:15:00 > 0:15:02were unknowingly off the hook.
0:15:02 > 0:15:06By this time, Razaq was using a different insurer.
0:15:06 > 0:15:08He submitted his latest claim to them.
0:15:08 > 0:15:11An unlucky series of events,
0:15:11 > 0:15:12but that's what insurance is there for.
0:15:15 > 0:15:17Unexpectedly, three years later,
0:15:17 > 0:15:22Allianz found themselves digging out the details of Razaq's old £8,000 claim.
0:15:24 > 0:15:28August 2011 we were contacted by Greater Manchester Police
0:15:28 > 0:15:33who advised us that Mr Razaq was subject to an internal investigation
0:15:33 > 0:15:37relating to a number of potential offences.
0:15:37 > 0:15:41And they asked us for details of the claim.
0:15:41 > 0:15:44How could there be a problem?
0:15:45 > 0:15:48Allianz's own assessors had twice examined Razaq's claim.
0:15:49 > 0:15:51And they'd been convinced of its validity.
0:15:52 > 0:15:54Why were the police interested in the event?
0:15:56 > 0:15:59They had made a very suspicious discovery
0:15:59 > 0:16:01about Razaq's second flood claim.
0:16:02 > 0:16:06It turns out that Mr Razaq had actually used the same estimates
0:16:06 > 0:16:12and tried to make another claim for the same damage with another insurance company
0:16:12 > 0:16:16Even if his original claim for £8,000 had been genuine,
0:16:16 > 0:16:18it was deemed extremely unlikely
0:16:18 > 0:16:22that the second flood would be created under identical circumstances
0:16:22 > 0:16:25and lead to identical damage estimates.
0:16:27 > 0:16:29Mohammed Razaq was under the spotlight.
0:16:29 > 0:16:35We supported the police investigation by providing them with all relevant documentation
0:16:35 > 0:16:36relating to the claim.
0:16:36 > 0:16:41As a senior police officer, Mr Razaq's honesty and integrity
0:16:41 > 0:16:42should be beyond reproach.
0:16:42 > 0:16:45Sadly, in this instance, it wasn't.
0:16:45 > 0:16:49His second carbon copy claim was found to be bogus.
0:16:50 > 0:16:55It may well be that Mr Razaq did suffer a genuine incident
0:16:55 > 0:16:57in regard to the original water leak.
0:16:57 > 0:17:03But once he realised that he could obtain more money than he was entitled to
0:17:03 > 0:17:04he probably thought it was a good idea.
0:17:04 > 0:17:07It was just the tip of the iceberg.
0:17:07 > 0:17:10Razaq was also scamming money from mortgage companies
0:17:10 > 0:17:13and submitted other bogus claims to various insurers.
0:17:13 > 0:17:16Greater Manchester Police were investigating Mr Razaq
0:17:16 > 0:17:19for £46,000-worth of fraud.
0:17:20 > 0:17:25It's not very common for us to see police officers committing insurance fraud.
0:17:25 > 0:17:27But it does happen.
0:17:27 > 0:17:31What we have to understand is that police officers are not above the law
0:17:31 > 0:17:36and will be subject to the same treatment as the next person
0:17:36 > 0:17:37if they commit insurance fraud.
0:17:39 > 0:17:45When the case went to court, Mohammed Razaq was found guilty and sentenced to 18 months imprisonment.
0:17:45 > 0:17:48This case highlights the fact that insurance fraud
0:17:48 > 0:17:51could be committed by anyone.
0:17:51 > 0:17:58But likewise, it also demonstrates that insurance companies do work with the police
0:17:58 > 0:18:01and you may get away with it once
0:18:01 > 0:18:05but you try it again, there's a very high chance you're going to get caught.
0:18:05 > 0:18:08Clearly, Mr Razaq thought at the time that he would get away with this.
0:18:08 > 0:18:11He wouldn't have done this otherwise.
0:18:11 > 0:18:15As a result, his reputation is gone
0:18:15 > 0:18:20he's lost his career, his standing in the community which he worked hard for has gone.
0:18:20 > 0:18:23It really wasn't a risk worth taking.
0:18:28 > 0:18:31Today, IFED is executing a triple raid
0:18:31 > 0:18:36looking for three suspects under investigation for allegedly selling illegal motor insurance.
0:18:37 > 0:18:39One of the suspects has been arrested.
0:18:40 > 0:18:43Another has been located but is still outstanding.
0:18:44 > 0:18:47The third suspect is at an address yet to be visited.
0:18:50 > 0:18:52At the first raid location, DC Sibley
0:18:52 > 0:18:54has her suspect in cuffs
0:18:54 > 0:18:57and a search of the premises is underway.
0:18:57 > 0:18:59Do you know what room is his upstairs?
0:18:59 > 0:19:02Yeah, it's straight in front of you up the stairs. OK.
0:19:02 > 0:19:05In her search for evidence, she focuses on one of the bedrooms.
0:19:07 > 0:19:10I found a pad of paper with various names in here.
0:19:10 > 0:19:12I'm trying to work out what they are.
0:19:12 > 0:19:14A lot of information relating to different vehicles.
0:19:15 > 0:19:17And post-it notes.
0:19:17 > 0:19:20I don't know whether it's to do with staged accidents
0:19:20 > 0:19:24or ghost broking. Alex, what do you reckon on this lot?
0:19:24 > 0:19:26We've got all this.
0:19:26 > 0:19:28Money Supermarket, Confused.com,
0:19:28 > 0:19:31AXA, Go Compare. Exactly.
0:19:31 > 0:19:33You've got everything here. It's insurance related. Yeah, it is.
0:19:33 > 0:19:36I'm having it. I'll be seizing this.
0:19:37 > 0:19:40With potential evidence of fraud in the bag,
0:19:40 > 0:19:42IFED takes its first suspect away for questioning.
0:19:44 > 0:19:47We've effecting one arrest. He's currently at the police station.
0:19:47 > 0:19:49Made a thorough search of the premises,
0:19:49 > 0:19:54found a lot of documentation in relation to ghost broking and what we believe is staged accidents.
0:19:54 > 0:19:58Seized a laptop and a number of mobile phones
0:19:58 > 0:19:59all of which will have to be examined.
0:19:59 > 0:20:02Hopefully, we'll find a bit more evidence on those.
0:20:02 > 0:20:05We've left the premises and we're now heading to the next address.
0:20:06 > 0:20:10IFED expects to find its third suspect in this property.
0:20:17 > 0:20:19Can you open the door? Open the door for us.
0:20:19 > 0:20:23We're police officers. Open the door. Or we'll kick the door in.
0:20:25 > 0:20:27Morning!
0:20:27 > 0:20:30Hello. Is this your house? Yes. Who lives here with you?
0:20:30 > 0:20:32My husband, Khan. Khan? Not Alan?
0:20:32 > 0:20:35No. Anybody else in the house with you at the moment?
0:20:35 > 0:20:38No. Just you on your own, yeah? Yeah.
0:20:38 > 0:20:40OK. I'm looking for BLEEP.
0:20:41 > 0:20:44Why? I need to speak to him. Do you know him?
0:20:44 > 0:20:46Why? Do you know him?
0:20:46 > 0:20:48Not "why". Do you know him?
0:20:50 > 0:20:54I need to speak to him. Does he live here?
0:20:55 > 0:20:58No? No. Where does he live?
0:20:58 > 0:21:00You don't know?
0:21:00 > 0:21:02I need to speak to him. Do you know him?
0:21:07 > 0:21:10The suspect is found hiding under a bed.
0:21:10 > 0:21:16IFED's DC Cooley escorts the handcuffed suspect to the lounge.
0:21:16 > 0:21:20I'm arresting you on suspicion of conspiracy to defraud. You do not have to say anything,
0:21:20 > 0:21:24but it may harm your defence if you do not mention something you later rely on.
0:21:24 > 0:21:27Anything you do say may be given in evidence. Understand?
0:21:28 > 0:21:31OK. Where are all your documents and things?
0:21:31 > 0:21:34Upstairs? Papers?
0:21:34 > 0:21:36How long have you lived here?
0:21:38 > 0:21:42Nearly two years. Is there anything here that shouldn't be here that we're going to find?
0:21:44 > 0:21:46Drugs? Cash? Weapons?
0:21:47 > 0:21:48Sure?
0:21:48 > 0:21:50Yes. OK.
0:21:53 > 0:21:57It's nothing for you to be worried about. Just don't lie to us.
0:22:00 > 0:22:02With the suspect arrested,
0:22:02 > 0:22:06IFED can begin the search for evidence of suspected fraudulent motor insurance claims.
0:22:06 > 0:22:09We are going to be taking in that top.
0:22:09 > 0:22:11Just to let you know.
0:22:14 > 0:22:17I've found a Visa Debit card in our suspect's wallet.
0:22:17 > 0:22:19Not in his name.
0:22:19 > 0:22:23I believe it's linked to the other address, so I'll check it out.
0:22:23 > 0:22:25It makes the case a lot stronger
0:22:25 > 0:22:27that there is a link there.
0:22:27 > 0:22:29We're not just coming to two separate addresses.
0:22:31 > 0:22:33At PS Shickell's raid address,
0:22:33 > 0:22:34the search is coming to an end.
0:22:36 > 0:22:39It's been very successful. We have over 40 exhibits that we've seized.
0:22:39 > 0:22:42That includes money, we think over £10,000.
0:22:42 > 0:22:47We've received or seized numerous driving licences, vehicle documentation
0:22:47 > 0:22:50insurance policies, claims, different crib sheets.
0:22:52 > 0:22:56And the outstanding suspect PS Shickell phoned earlier has handed himself in.
0:22:56 > 0:23:00We're just going to go now to a local police station
0:23:00 > 0:23:05where the suspect has arrived, where I will arrest him and interview him and see what he has to say.
0:23:05 > 0:23:06So we're extremely pleased.
0:23:06 > 0:23:11A few streets away, DC Sibley sends her suspect away for further questioning.
0:23:13 > 0:23:17Hi, John. All right? We've got number three as well.
0:23:17 > 0:23:20He tried to hide beside the bed but we jumped on him
0:23:20 > 0:23:22so we've got him.
0:23:22 > 0:23:24So you've got a full house!
0:23:26 > 0:23:29It's a good result. We weren't expecting to get three out of three, to be honest.
0:23:29 > 0:23:33Possibly two. But we've got all three so it's a good result for us today.
0:23:39 > 0:23:45What do you do when a 12-tonne bus slams into the back of you at 30 miles an hour?
0:23:45 > 0:23:50The owner of this recently rear-ended car decided to have a stern word with the bus driver.
0:23:50 > 0:23:55This is an incident that occurred in Bristol on 7 January 2012
0:23:55 > 0:23:57about quarter past one in the afternoon.
0:23:57 > 0:23:59The third party, in his statement,
0:23:59 > 0:24:03advises that he was stationary when a bus has hit him in the rear.
0:24:03 > 0:24:07After exchanging details, the bus and car driver continue their journeys.
0:24:07 > 0:24:11The third party submitted a claim arising from this incident
0:24:11 > 0:24:15for injuries to his neck and back, his leg and his foot.
0:24:15 > 0:24:20He submitted a claim for the damage to his vehicle in the region of £2,600
0:24:20 > 0:24:25and also a claim for alternative hire of a vehicle while his own was being repaired.
0:24:25 > 0:24:29The total of the claim submitted was round about £3,700.
0:24:29 > 0:24:33The bus company started to process the car owner's claim.
0:24:33 > 0:24:36Pretty straightforward.
0:24:36 > 0:24:39Bus hits much smaller car. Wallop! Hand over the cash.
0:24:39 > 0:24:42But first, just a couple of things.
0:24:42 > 0:24:46As you would do with all claims of this nature, we decided to thoroughly investigate this,
0:24:46 > 0:24:52just to make sure we're paying the correct amount and the circumstances are as the third party is stating.
0:24:54 > 0:24:56With the risk of a heavy financial blow,
0:24:56 > 0:25:00the bus company took measures to fully investigate all aspects of the claim.
0:25:01 > 0:25:05This included looking closely at the accident and medical reports submitted by the claimant.
0:25:09 > 0:25:13When he's reported the circumstances to his medical expert,
0:25:13 > 0:25:17he's actually advised that he was still in motion when he was hit in the rear by the bus.
0:25:17 > 0:25:21The statement given by the third party to his medical expert
0:25:21 > 0:25:23and the statement given to us initially
0:25:23 > 0:25:26differ significantly in the version of events.
0:25:28 > 0:25:30This left the bus company suspicious.
0:25:31 > 0:25:32Before they could settle the claim,
0:25:32 > 0:25:35they would have to straighten out the car owner's story.
0:25:36 > 0:25:40They called upon the 360-degree coverage of the bus's exterior cameras.
0:25:42 > 0:25:45The footage starts off innocently enough.
0:25:45 > 0:25:49The bus driver sets off from Bristol Temple Meads train station.
0:25:51 > 0:25:53The claimant first appears in view on a dual carriageway.
0:25:55 > 0:25:58The CCTV footage shows the vehicle overtaking the bus
0:25:58 > 0:26:01the stopping shortly ahead of the bus, straddling both lanes.
0:26:01 > 0:26:05Possibly, due to the manoeuvre executed by the claimant,
0:26:05 > 0:26:08the bus driver engages in a brief exchange with him.
0:26:08 > 0:26:12The bus driver sounds his horn at this driver
0:26:12 > 0:26:14and goes round him and continues.
0:26:14 > 0:26:17The bus company were originally looking to see what happened
0:26:17 > 0:26:18in the moments leading up to the crash.
0:26:18 > 0:26:23But they were now watching a potential road rage incident.
0:26:23 > 0:26:27Shortly, they were going to find out who was at fault for the collision.
0:26:28 > 0:26:31The third party in his statement advises that he was stationary
0:26:31 > 0:26:33when a bus has hit him in the rear.
0:26:33 > 0:26:38But the third party has neglected to advise what's happened in the build-up to the incident
0:26:38 > 0:26:39or what happened in the aftermath.
0:26:41 > 0:26:42This is what happened.
0:26:42 > 0:26:45Seconds after their first exchange,
0:26:45 > 0:26:49the claimant overtakes and pulls in front of the 12-tonne bus.
0:26:50 > 0:26:52What occurs next is incredible.
0:26:55 > 0:26:59The claimant executes a triplet of hard-breaking manoeuvres.
0:26:59 > 0:27:01One...
0:27:03 > 0:27:04..two...
0:27:06 > 0:27:08..three,
0:27:08 > 0:27:09causing the crash.
0:27:11 > 0:27:16The innocent bus driver had no chance of protecting himself, his vehicle and passengers
0:27:16 > 0:27:18against the reckless actions of the claimant.
0:27:22 > 0:27:24It's a case where you look at the footage again and again
0:27:24 > 0:27:26just to see whether you're missing something.
0:27:26 > 0:27:30You begin to second-guess whether you're viewing the footage properly
0:27:30 > 0:27:34but looking at it, we could see no reason why he braked.
0:27:34 > 0:27:36Guess what?
0:27:36 > 0:27:39The bus company refused to pay the claimant.
0:27:39 > 0:27:42What did happen was we alerted the police of our concerns regarding this matter.
0:27:42 > 0:27:45And subsequently the third party was prosecuted,
0:27:45 > 0:27:49fined £265 and received seven points on his licence.
0:27:50 > 0:27:53Whenever a motorist deliberately carries out an action
0:27:53 > 0:27:57whether it be out of anger or to commit a potentially fraudulent claim,
0:27:57 > 0:28:01the key thing to remember is that it does put people at risk.
0:28:01 > 0:28:04This is what has happened in this situation.
0:28:04 > 0:28:08One day it could be injury, damage to property,
0:28:08 > 0:28:11another day it could be you that's at risk.
0:28:38 > 0:28:40Subtitles by Red Bee Media Ltd