0:00:05 > 0:00:09Insurance fraud has reached epidemic levels in the UK.
0:00:09 > 0:00:14It's costing us more than £1.3 billion every year.
0:00:14 > 0:00:17That's almost 3.6 million every day.
0:00:19 > 0:00:22Deliberate crashes, bogus personal injuries,
0:00:22 > 0:00:24even phantom pets.
0:00:25 > 0:00:29The fraudsters are risking more and more to make a quick killing
0:00:29 > 0:00:33and, every year, it's adding around £50 to your insurance bill.
0:00:33 > 0:00:38But insurers are fighting back, exposing just under 15 fake claims
0:00:38 > 0:00:41every hour. Armed with covert surveillance systems...
0:00:41 > 0:00:44Subject out of the vehicle.
0:00:44 > 0:00:46..sophisticated data analysis techniques...
0:00:48 > 0:00:51..and a number of highly skilled police units...
0:00:51 > 0:00:53Police! Don't move! stay where you are!
0:00:53 > 0:00:55..they're catching the criminals red-handed.
0:00:55 > 0:00:58Just don't lie to us.
0:00:58 > 0:01:01All those conmen, scammers and cheats on the fiddle are now caught
0:01:01 > 0:01:04in the act and claimed and shamed.
0:01:10 > 0:01:15Today, undercover filming causes a £250,000
0:01:15 > 0:01:18personal injury claim to fall down.
0:01:18 > 0:01:20This is quite surprising footage, really.
0:01:20 > 0:01:22It is, I suppose, shock value.
0:01:22 > 0:01:27A bus claim stalls when CCTV reveals there was no accident.
0:01:27 > 0:01:29We did wonder whether or not we'd pulled the right footage,
0:01:29 > 0:01:32considering what she was claiming for. So we checked our disks
0:01:32 > 0:01:34and, yes, it was the right one.
0:01:34 > 0:01:37And a woman is caught planning her husband's murder by an
0:01:37 > 0:01:40undercover police officer posing as a hit man.
0:01:52 > 0:01:54Like a lot of people, I used to think
0:01:54 > 0:01:56that insurance fraud only occurs when someone
0:01:56 > 0:02:00completely fabricates a claim for something that never happened.
0:02:00 > 0:02:04A flatscreen TV supposedly stolen in a break-in, for example.
0:02:04 > 0:02:06It's a common misconception.
0:02:06 > 0:02:09The penalties for exaggerating a claim that is otherwise
0:02:09 > 0:02:11genuine are just as severe.
0:02:15 > 0:02:19Building work poses all sorts of dangers
0:02:19 > 0:02:22and, despite the hard hats and high-vis tabards,
0:02:22 > 0:02:25accidents will happen.
0:02:25 > 0:02:28Any responsible employer will have insurance cover to protect
0:02:28 > 0:02:31their staff should the worst happen.
0:02:31 > 0:02:32As in this case.
0:02:34 > 0:02:36Mr Kittle was working for our policy holder
0:02:36 > 0:02:38at a private property.
0:02:38 > 0:02:41Rob Smith-Wright is the claims manager for insurers QBE.
0:02:45 > 0:02:48He was in the process of ascending a ladder...
0:02:50 > 0:02:53..when the ladder gave way underneath him.
0:02:55 > 0:02:59As he fell, the ladder trapped his knee and actually he suffered
0:02:59 > 0:03:01a fracture to both his tibia and fibula.
0:03:01 > 0:03:04In other words, a double leg break.
0:03:06 > 0:03:08So the injuries that Gary Kittle
0:03:08 > 0:03:11would have suffered would have been quite debilitating.
0:03:11 > 0:03:13He would have required open surgery,
0:03:13 > 0:03:16he would have required a significant period of rehabilitation
0:03:16 > 0:03:20before he could have been considered fit to work again.
0:03:20 > 0:03:22As part of the claims process, he was examined by
0:03:22 > 0:03:27a medical expert, who provided more detail about his condition.
0:03:27 > 0:03:31He was severely restricted in what he was able to do,
0:03:31 > 0:03:32he wasn't able to climb ladders.
0:03:32 > 0:03:36He was claiming he was finding difficulty in walking up and
0:03:36 > 0:03:39downstairs, being able to crawl,
0:03:39 > 0:03:42undertake general household duties, so we were being painted
0:03:42 > 0:03:48a picture of someone who was in a really serious state.
0:03:48 > 0:03:52Since Mr Kittle's injuries were so significant,
0:03:52 > 0:03:55the cost of the claim was rapidly expanding.
0:03:56 > 0:03:59We would have been looking at compensation
0:03:59 > 0:04:01in the region of £25,000.
0:04:03 > 0:04:06As it stood, there was nothing unusual about the claim.
0:04:07 > 0:04:10We had no reason to doubt the incident.
0:04:10 > 0:04:14We had no reason to doubt the injury that he had suffered.
0:04:14 > 0:04:17But what they did have reason to doubt was the extended length
0:04:17 > 0:04:20of his recovery.
0:04:20 > 0:04:23Our first suspicions arose around March 2009.
0:04:23 > 0:04:26Mr Kittle had been released from rehabilitation treatment
0:04:26 > 0:04:29and we had been advised in those medical records that he'd had
0:04:29 > 0:04:31a full range of pain-free movement
0:04:31 > 0:04:34and therefore he could return to work.
0:04:34 > 0:04:38However, Mr Kittle alleged that his symptoms were continuing
0:04:38 > 0:04:40and he didn't feel that he was able to return to work.
0:04:40 > 0:04:44This was outside of the general range of the recovery period
0:04:44 > 0:04:46expected for this kind of injury.
0:04:46 > 0:04:49The upshot being that he required further compensation,
0:04:49 > 0:04:53since he was still allegedly unable to earn a living.
0:04:53 > 0:04:56Our next steps, really, were to discover whether or not
0:04:56 > 0:05:00Mr Kittle was indeed as injured as he says he was.
0:05:02 > 0:05:04With that in mind,
0:05:04 > 0:05:07investigators carried out surveillance on the claimant.
0:05:07 > 0:05:10The surveillance footage we would have expected to have seen
0:05:10 > 0:05:13with regards to Mr Kittle would have been someone who wasn't as
0:05:13 > 0:05:15mobile as he possibly could have been,
0:05:15 > 0:05:16who was suffering
0:05:16 > 0:05:17in pain and movement,
0:05:17 > 0:05:19and generally would have been
0:05:19 > 0:05:22unable to undertake even, you know,
0:05:22 > 0:05:25the simplest of household duties.
0:05:25 > 0:05:26But the filming shows
0:05:26 > 0:05:28a different picture.
0:05:28 > 0:05:29Kittle isn't exactly
0:05:29 > 0:05:31keeping a low profile -
0:05:31 > 0:05:32his bright-red jumper
0:05:32 > 0:05:34sort of stands out.
0:05:34 > 0:05:36The first footage that we obtained
0:05:36 > 0:05:38showed the claimant working,
0:05:38 > 0:05:39despite the fact that
0:05:39 > 0:05:42we had been told that he had been signed off from work.
0:05:42 > 0:05:44He was seen digging and he was seen
0:05:44 > 0:05:45moving a wheelbarrow,
0:05:45 > 0:05:47directly contradicting the general
0:05:47 > 0:05:49capabilities that he says he can do.
0:05:49 > 0:05:51So the initial reaction to
0:05:51 > 0:05:53the first period of surveillance
0:05:53 > 0:05:56was one of surprise.
0:05:56 > 0:05:57To eliminate the possibility
0:05:57 > 0:05:59that Kittle was just having
0:05:59 > 0:06:01a good day, further surveillance
0:06:01 > 0:06:02was carried out.
0:06:02 > 0:06:06It showed Mr Kittle in a rather more precarious position,
0:06:06 > 0:06:09which was up on a roof.
0:06:10 > 0:06:12For a man who allegedly
0:06:12 > 0:06:13had mobility issues,
0:06:13 > 0:06:16stairs would have been a problem,
0:06:16 > 0:06:17let alone a ladder.
0:06:17 > 0:06:20He was working for a roofing company.
0:06:20 > 0:06:21He could be seen both ascending
0:06:21 > 0:06:24and descending ladders with ease.
0:06:24 > 0:06:25He could be seen
0:06:25 > 0:06:26moving quite large...
0:06:26 > 0:06:28lifting heavy objects.
0:06:28 > 0:06:30Generally, this was a picture of
0:06:30 > 0:06:31someone who was far more
0:06:31 > 0:06:35capable of work and far more capable of activities than
0:06:35 > 0:06:37he was actually letting us know.
0:06:37 > 0:06:39At this point, we were convinced
0:06:39 > 0:06:41that Mr Kittle was grossly
0:06:41 > 0:06:43exaggerating the symptoms
0:06:43 > 0:06:44that he was suffering.
0:06:44 > 0:06:48The surveillance continued and produced even more damning evidence.
0:06:48 > 0:06:52What it actually showed was a further recovery period
0:06:52 > 0:06:54for Mr Kittle.
0:06:54 > 0:06:57Here we see him getting into what appears to be a work van
0:06:57 > 0:06:59and driving off.
0:07:00 > 0:07:02When he arrives at his destination,
0:07:02 > 0:07:05it's apparent that he's not there on a social visit.
0:07:05 > 0:07:08He's there to work -
0:07:08 > 0:07:11carrying a bucket,
0:07:11 > 0:07:14sweeping the patio,
0:07:14 > 0:07:16moving a bench,
0:07:16 > 0:07:19and even operating a backpack sprayer.
0:07:22 > 0:07:26I mean, whatever he's doing here just takes the biscuit.
0:07:28 > 0:07:32The footage shows that he'd dug himself into a bit of a hole.
0:07:34 > 0:07:37This is quite surprising footage, really,
0:07:37 > 0:07:39simply because of the level of restriction that Mr Kittle
0:07:39 > 0:07:44was telling us that he had, so it is, I suppose, shock value.
0:07:44 > 0:07:50By now, the level of evidence against Mr Kittle was overwhelming.
0:07:50 > 0:07:54It was at this point that the case then began to unravel for Mr Kittle.
0:07:55 > 0:07:58We then disclosed all the surveillance evidence that
0:07:58 > 0:08:00we had gathered to the claimant's solicitors,
0:08:00 > 0:08:02and we simply asked them the question,
0:08:02 > 0:08:04"Was this Mr Kittle in the footage?"
0:08:04 > 0:08:08They confirmed it was, and it was at that point, then,
0:08:08 > 0:08:12that we decided that we would not be making any kind of offers.
0:08:12 > 0:08:14He'd been caught out,
0:08:14 > 0:08:16but, instead of walking away,
0:08:16 > 0:08:21Mr Kittle tried to put QBE on the back foot, with a demand for costs.
0:08:21 > 0:08:26The schedule that he served thereafter was in excess
0:08:26 > 0:08:30of £250,000, and that wasn't including the injury
0:08:30 > 0:08:31that he had suffered, as well -
0:08:31 > 0:08:34this would have been special damages such as lost earnings,
0:08:34 > 0:08:37future care and things like that.
0:08:37 > 0:08:40- PHONE RINGS - Our initial response to that wasn't
0:08:40 > 0:08:41one of major surprise,
0:08:41 > 0:08:44simply because we had already established that Mr Kittle
0:08:44 > 0:08:46was exaggerating his symptoms.
0:08:46 > 0:08:49So, it wasn't too much of a stretch for him to exaggerate
0:08:49 > 0:08:50the cost of the claim.
0:08:52 > 0:08:56Unfortunately for Mr Kittle, QBE weren't going to accept it.
0:08:58 > 0:09:03At that point, we made a conscious decision that Mr Kittle's deceit
0:09:03 > 0:09:06extended into criminal activity,
0:09:06 > 0:09:10and we decided that we would take the route of a private prosecution.
0:09:10 > 0:09:13It's an unusual step. It's not generally done.
0:09:13 > 0:09:18However, the penalties are far more severe using a private prosecution.
0:09:18 > 0:09:22The surveillance footage was central to their case.
0:09:22 > 0:09:26It painted the picture of a man that was prepared to
0:09:26 > 0:09:28lie to medical experts,
0:09:28 > 0:09:32with regards to his conditions and what his true capabilities were.
0:09:32 > 0:09:35We sent the surveillance footage to our medical expert,
0:09:35 > 0:09:39and we asked him to comment upon that against the medical report
0:09:39 > 0:09:41that he'd previously disclosed to us.
0:09:41 > 0:09:44I think it was fair to say that his response to that was,
0:09:44 > 0:09:46erm, quite damning.
0:09:46 > 0:09:50As was the final verdict in the private prosecution.
0:09:50 > 0:09:54He was summoned to attend Guildford Crown Court in May 2015,
0:09:54 > 0:09:57and he pleaded guilty to two of the three charges
0:09:57 > 0:09:58that were laid against him.
0:09:58 > 0:10:02Mr Kittle was sentenced to an immediate custodial sentence of
0:10:02 > 0:10:0312 months' imprisonment.
0:10:05 > 0:10:08Mr Kittle now has ample time on his hands to reflect on
0:10:08 > 0:10:10where he went wrong.
0:10:10 > 0:10:13So, Mr Kittle, as far as we were concerned,
0:10:13 > 0:10:14had suffered a genuine incident,
0:10:14 > 0:10:16and had suffered a genuine injury.
0:10:16 > 0:10:18Had he been true and honest,
0:10:18 > 0:10:21and played the claim with a straight bat, there was every chance
0:10:21 > 0:10:24that Mr Kittle would have walked away with some kind of compensation.
0:10:24 > 0:10:25However, greed took over.
0:10:25 > 0:10:28It's a simple fact that insurance fraud is a crime.
0:10:28 > 0:10:32Exaggeration is insurance fraud and if you do commit it,
0:10:32 > 0:10:33and we have the evidence against you,
0:10:33 > 0:10:37we will pursue the claims to the fullest extent the law allows us to.
0:10:45 > 0:10:46A wife plots to murder her husband
0:10:46 > 0:10:49in cold blood for his life insurance.
0:10:59 > 0:11:02There is nothing more annoying than losing your phone
0:11:02 > 0:11:03while you're out and about.
0:11:03 > 0:11:06We've all been there, and you wouldn't be alone -
0:11:06 > 0:11:09more than 20,000 mobiles are misplaced on the capital's
0:11:09 > 0:11:12public transport system every year.
0:11:12 > 0:11:15It is, in fact, the number one item of lost property.
0:11:21 > 0:11:25With top-of-the-range of handsets costing more than £500,
0:11:25 > 0:11:29fraudsters have begun to target phone insurance,
0:11:29 > 0:11:31but the industry is fighting back.
0:11:32 > 0:11:37Andy Morris is the president and CEO of Assurant Solutions Europe.
0:11:38 > 0:11:40So, this is an incredible case.
0:11:40 > 0:11:46It started with one of our highly-skilled agents effectively
0:11:46 > 0:11:51being concerned that some of the data didn't correlate.
0:11:52 > 0:11:55The agent noticed a strange pattern emerging across
0:11:55 > 0:11:57a large number of claims.
0:11:57 > 0:12:02One of the anomalies that they found was that the location of the loss
0:12:02 > 0:12:07of the phones was actually always on the London Underground.
0:12:07 > 0:12:09It was enough for Assurant to take a closer look,
0:12:09 > 0:12:13and to identify how many claims were suspicious.
0:12:13 > 0:12:17Well, as it quickly escalated into over 60 cases,
0:12:17 > 0:12:19and a cost to the industry
0:12:19 > 0:12:22and to us of over £30,000.
0:12:22 > 0:12:26It became clear that this was a significant, organised,
0:12:26 > 0:12:27fraudulent activity.
0:12:29 > 0:12:33At this point, Assurant liaised with the British Transport Police,
0:12:33 > 0:12:35who have authority over the UK's rail networks,
0:12:35 > 0:12:39including the London Underground.
0:12:39 > 0:12:42DC Darren Griffiths took on the investigation.
0:12:42 > 0:12:46He went through the phone recordings made when the losses were reported,
0:12:46 > 0:12:48and the similarities were striking.
0:12:49 > 0:12:54It was the same story, the same script he was going by every time,
0:12:54 > 0:12:55and basically what he'd say,
0:12:55 > 0:12:58his phone would have been lost - it would have been lost on a train.
0:12:58 > 0:12:59He'd give the reference number,
0:12:59 > 0:13:02and then he'd ask for a handset replacement.
0:13:02 > 0:13:04By sifting through the evidence,
0:13:04 > 0:13:07Darren was able to figure out how the scam worked.
0:13:07 > 0:13:10The phones were real.
0:13:10 > 0:13:11The claims, in a sense,
0:13:11 > 0:13:14are not real because he never actually lost the phone.
0:13:14 > 0:13:18He's got a phone, and he's basically obtaining a second phone
0:13:18 > 0:13:20on the strength of saying, "I've lost one,"
0:13:20 > 0:13:23so he'll get a replacement or a cash reimbursement.
0:13:23 > 0:13:26The replacement phones were then sold on the black market
0:13:26 > 0:13:27for a tidy profit,
0:13:27 > 0:13:30and any reimbursements were banked.
0:13:30 > 0:13:34However, he'd made one basic error, for which he'd pay the price.
0:13:35 > 0:13:38The voice was very similar all the time,
0:13:38 > 0:13:39so they believed it was the same person.
0:13:51 > 0:13:54And all the losses occurred a suspiciously short time after
0:13:54 > 0:13:56the insurance was taken out.
0:14:09 > 0:14:10At this point,
0:14:10 > 0:14:13it seemed a large-scale fraud was being attempted,
0:14:13 > 0:14:16so they followed the money trail.
0:14:16 > 0:14:19The bank account always has to come back to somebody
0:14:19 > 0:14:22and that way we really sort of narrowed it down.
0:14:23 > 0:14:27To one person - a man called Lateef Irawo.
0:14:28 > 0:14:31Mr Irawo came up as owning those bank accounts,
0:14:31 > 0:14:35where he had contact with or control of with those bank accounts.
0:14:35 > 0:14:38But the sheer number of claims he'd made using his details -
0:14:38 > 0:14:43name, address and bank account - meant the scam hit a snag.
0:14:43 > 0:14:46Mr Irawo was, sort of, running out of options.
0:14:46 > 0:14:49The insurance company was getting wise to him and refusing
0:14:49 > 0:14:51a lot of the claims he was making.
0:15:10 > 0:15:12That silence was deafening.
0:15:12 > 0:15:15As if submitting fake claims wasn't bad enough,
0:15:15 > 0:15:19he decided to up the ante by branching into identity theft.
0:15:19 > 0:15:23This was his blatant attempt to cover his tracks when
0:15:23 > 0:15:26he took out the insurance contracts.
0:15:26 > 0:15:31He was using different identities, pretending to be someone else.
0:15:31 > 0:15:32There would be different addresses,
0:15:32 > 0:15:34but the pattern would start coming in again,
0:15:34 > 0:15:37cos he'd have to change it somewhere along the line for him to benefit,
0:15:37 > 0:15:39for him to get the gain.
0:15:39 > 0:15:41And to get the replacement phone, it has to be sent to an address
0:15:41 > 0:15:43where he can pick it up from.
0:15:43 > 0:15:46This meant he had to change the false address he'd given
0:15:46 > 0:15:47when taking out the contract.
0:16:02 > 0:16:03Like most fraudsters,
0:16:03 > 0:16:08Irawo tried to maximise the income from the identities he'd stolen.
0:16:08 > 0:16:13Experience has shown us that they don't just open one contract.
0:16:13 > 0:16:14They'll go down the high streets,
0:16:14 > 0:16:17they'll open a contract in all the providers,
0:16:17 > 0:16:19get as many phones as they can with that ID.
0:16:19 > 0:16:21So, it's not usually one phone to one person -
0:16:21 > 0:16:25it could end up with four or five phones against their name.
0:16:25 > 0:16:27But this tactic only worked up to a point -
0:16:27 > 0:16:31his victims soon became aware that their details had been stolen.
0:16:31 > 0:16:34We did checks with Action Fraud
0:16:34 > 0:16:36to see if these people had actually reported in
0:16:36 > 0:16:39and a majority of them actually had reported losses.
0:17:07 > 0:17:11Irawo was being pursued from every direction.
0:17:11 > 0:17:16The BTP made its move and raided an address associated with him.
0:17:16 > 0:17:19Pieces of suspect paperwork were found.
0:17:19 > 0:17:21Several of them turned out to be fraudulent documents,
0:17:21 > 0:17:22counterfeit documents,
0:17:22 > 0:17:25and this would be either utility bills or identity documents.
0:17:25 > 0:17:28The evidence against him was overwhelming,
0:17:28 > 0:17:31and Irawo was arrested and finally brought to justice.
0:17:31 > 0:17:33Mr Irawo was found...
0:17:33 > 0:17:35He pleaded guilty to the conspiracy
0:17:35 > 0:17:38and to the possession of articles for use in fraud
0:17:38 > 0:17:40and to the money-laundering.
0:17:40 > 0:17:42Mr Irawo received three years' imprisonment.
0:17:42 > 0:17:43It was a good result, really,
0:17:43 > 0:17:45for the courts to hand out a heavy sentence.
0:17:45 > 0:17:50Sentenced alongside him were Timothy Edembe Ikome and Ayeni Adekunle,
0:17:50 > 0:17:53who both received 21 months inside.
0:17:53 > 0:17:55It's not just a one-off.
0:17:55 > 0:17:58This was almost a campaign by Mr Irawo to try
0:17:58 > 0:18:01and defraud the insurance company.
0:18:01 > 0:18:03There's a renewed determination to bring the people behind
0:18:03 > 0:18:06these crimes to justice.
0:18:06 > 0:18:08This is a career criminal, really.
0:18:08 > 0:18:12I mean, he spent three years making his living from fraud,
0:18:12 > 0:18:16and why should people get away with making fraudulent claims?
0:18:16 > 0:18:17It's theft at the end of the day.
0:18:17 > 0:18:19It's stealing.
0:18:25 > 0:18:29Any problems we have with insurance fraud in the UK pale
0:18:29 > 0:18:32in comparison to the scams that are pulled in the States.
0:18:32 > 0:18:36US fraudsters will stop at nothing to get their hands on a pay-out,
0:18:36 > 0:18:39even if it means committing the ultimate evil.
0:18:49 > 0:18:52Meet Julia Merfeld.
0:18:55 > 0:18:57The young mother of two is seen here meeting
0:18:57 > 0:18:59a contact for the first time.
0:19:03 > 0:19:06From the clip, Julia appears relaxed and cheerful,
0:19:06 > 0:19:08as she tries to juggle her schedule.
0:19:20 > 0:19:22The topic then moves on to money.
0:19:22 > 0:19:23A lot of money.
0:19:44 > 0:19:45Now, if you're thinking
0:19:45 > 0:19:47there's something strange about this scenario,
0:19:47 > 0:19:49not least the fact that it's all been recorded
0:19:49 > 0:19:53on a hidden camera, then you'd be right. This is no innocent chat.
0:19:53 > 0:19:57Julia Merfeld is speaking to a hit man and she's arranging for him
0:19:57 > 0:20:02to murder her husband, the father of her children, in cold blood.
0:20:02 > 0:20:03But there's a twist.
0:20:03 > 0:20:07The hit man is actually an undercover police officer.
0:20:19 > 0:20:24Which was worth a huge 400,000.
0:20:24 > 0:20:26With the camera rolling, the officer has to get Merfeld to admit
0:20:26 > 0:20:30as much as possible, which means going into specifics.
0:20:41 > 0:20:43In order to win Merfeld's trust,
0:20:43 > 0:20:46the officer needs to put on the performance of his life.
0:21:01 > 0:21:05Evidently, Merfeld has already put a lot of thought into the hit.
0:21:34 > 0:21:37The only time Merfeld shows any concern is when she
0:21:37 > 0:21:40speculates that a burglary-gone-wrong scenario
0:21:40 > 0:21:43might be off-putting for a potential housemate.
0:22:00 > 0:22:04She is also keen that the murder doesn't happen inside the property.
0:22:27 > 0:22:30To guarantee she gets the life insurance pay-out,
0:22:30 > 0:22:33Merfeld is keen to put on a good show.
0:22:42 > 0:22:45While the evidence on camera is strong, the officer needs to
0:22:45 > 0:22:48make sure there can be no doubt about Merfeld's intent.
0:23:03 > 0:23:06He rounds things up and arranges to meet again.
0:23:31 > 0:23:33The next day, the officer waits.
0:23:33 > 0:23:37Whether Merfeld returns is a test of how convincing he's been.
0:23:42 > 0:23:44But she's here, and she's come prepared.
0:24:16 > 0:24:19But she's yet to hand over the money,
0:24:19 > 0:24:22something that could prove to be a vital piece of evidence.
0:24:36 > 0:24:38She appears to be justifying her actions
0:24:38 > 0:24:41as a twisted act of kindness to spare him going through a divorce.
0:24:46 > 0:24:47From the officer's point of view,
0:24:47 > 0:24:50it's vital that there's no ambiguity.
0:24:50 > 0:24:52He needs to push her into specifics.
0:25:49 > 0:25:52For the first time, she looks troubled.
0:25:52 > 0:25:55The officer steers the conversation towards money.
0:26:00 > 0:26:04If she hands over the down payment, he's got proof of her intent.
0:26:20 > 0:26:23At this point, he makes it clear there's no backing down.
0:26:35 > 0:26:37The officer gives her a final warning.
0:26:37 > 0:26:40If she's going to call it off, it has to be now.
0:27:04 > 0:27:07But there are no second thoughts and no mercy.
0:27:07 > 0:27:09Shortly afterwards, she was arrested
0:27:09 > 0:27:13and eventually pleaded guilty to solicitation to murder.
0:27:13 > 0:27:15Amazingly, her husband stood by her,
0:27:15 > 0:27:19saying, "She had been nothing but a great mother to our two children."
0:27:19 > 0:27:21However, the judge thought otherwise
0:27:21 > 0:27:26and sentenced her to more than five years and eight months behind bars.
0:27:31 > 0:27:35Nobody likes paying more than we have to for everyday services.
0:27:35 > 0:27:38But this is exactly what's happening with insurance fraud.
0:27:38 > 0:27:41Scammers and conmen are swindling their way to
0:27:41 > 0:27:43pay-outs that they don't deserve.
0:27:43 > 0:27:45The knock on effect is that the extra costs
0:27:45 > 0:27:48result in eve-increasing premiums.
0:27:48 > 0:27:49We're getting hit in the pocket,
0:27:49 > 0:27:51and it's not just organised criminal gangs to blame.
0:27:51 > 0:27:55Exaggerated household claims also take their toll.
0:27:55 > 0:27:57But, instead of getting away with it,
0:27:57 > 0:28:01more and more of these fraudsters are being claimed and shamed.