0:00:06 > 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 > 0:00:24Deliberate crashes, bogus personal injuries, even phantom pets.
0:00:25 > 0:00:29The fraudsters are risking more and more to make a quick killing.
0:00:29 > 0:00:34And every year it's adding around £50 to your insurance bill.
0:00:34 > 0:00:36But insurers are fighting back,
0:00:36 > 0:00:39exposing just under 15 fake claims every hour.
0:00:39 > 0:00:42Armed with covert surveillance systems...
0:00:42 > 0:00:44Subject out the vehicle.
0:00:44 > 0:00:47..sophisticated data analysis techniques...
0:00:47 > 0:00:49SHOUTING
0:00:49 > 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 > 0:00:57Just don't lie to us.
0:00:58 > 0:00:59All those conmen,
0:00:59 > 0:01:03scammers and cheats on the fiddle are now caught in the act...
0:01:03 > 0:01:04and claimed and shamed.
0:01:10 > 0:01:16Today, a car-con's dodgy insurance policies are uncovered...
0:01:16 > 0:01:19If you write off your car
0:01:19 > 0:01:21when you have one of these policies,
0:01:21 > 0:01:25the cost of the damage will have to be borne by you.
0:01:25 > 0:01:29A personal injury claim from a boxer is knocked back...
0:01:29 > 0:01:32The collision at the lights was described by the member of
0:01:32 > 0:01:34staff as, "Minor."
0:01:34 > 0:01:37He didn't even know it had happened until he felt a tiny bump.
0:01:37 > 0:01:40And a phoney caller is encouraged to come clean.
0:01:53 > 0:01:56Now matter how experienced you are behind the wheel,
0:01:56 > 0:01:59every time you take to the road, there's a risk.
0:01:59 > 0:02:01Motor insurance offers customers protection
0:02:01 > 0:02:03in the event of an accident.
0:02:03 > 0:02:06Fraudsters have long being targeting the car insurance industry,
0:02:06 > 0:02:11but one particular scam, known as "ghost broking", is a major issue.
0:02:11 > 0:02:14A ghost broker will pretend to be a licensed insurance broker
0:02:14 > 0:02:18and obtain a cheap policy using false information.
0:02:18 > 0:02:19He'll then sell you what appears to be
0:02:19 > 0:02:23a genuine insurance policy at a bargain price.
0:02:23 > 0:02:27But what you actually receive is a completely bogus certificate
0:02:27 > 0:02:31offering zero cover that's not worth the paper it's printed on.
0:02:32 > 0:02:35If you buy one of these fake policies in good faith,
0:02:35 > 0:02:37the law is crystal clear.
0:02:37 > 0:02:42John Beadle knows the consequences of this scam can be severe.
0:02:42 > 0:02:44The bottom line with this is that
0:02:44 > 0:02:47if you write off your car
0:02:47 > 0:02:49when you have one of these policies,
0:02:49 > 0:02:51you will be un-covered,
0:02:51 > 0:02:55and the cost of the damage, or the loss of your car,
0:02:55 > 0:02:58will have to be borne by you, because you will be uninsured.
0:02:58 > 0:03:01Purchasing a spurious policy from a ghost broker
0:03:01 > 0:03:04could be a financially devastating way
0:03:04 > 0:03:08to try and save a few quid on your car insurance.
0:03:08 > 0:03:10Meet Jeffrey Derek King.
0:03:11 > 0:03:14He used to hire cars to people, sell jewellery...
0:03:14 > 0:03:18A wheeler-dealer who could even sell you a cheap car insurance policy.
0:03:18 > 0:03:22But his deals on wheels weren't all they were cracked up to be.
0:03:22 > 0:03:26Mr King came to our attention because we spotted a number
0:03:26 > 0:03:29of unusual patterns in new policies being taken on
0:03:29 > 0:03:32via authorised garage outlets,
0:03:32 > 0:03:35where you purchase a new car, and they will
0:03:35 > 0:03:37issue you with a policy of insurance.
0:03:37 > 0:03:41He would continually contact our company,
0:03:41 > 0:03:44disguising his identity, but obviously he leaves footprints
0:03:44 > 0:03:47and patterns, telephone numbers, and so forth,
0:03:47 > 0:03:50which linked him together.
0:03:50 > 0:03:54With alarm bells ringing, John's team dug deeper.
0:03:54 > 0:03:57And they discovered 50 policies all connected
0:03:57 > 0:03:59by one mobile phone number.
0:03:59 > 0:04:02They all led back to a website operated by King.
0:04:03 > 0:04:05And in the end we put together
0:04:05 > 0:04:08a comprehensive intelligence package on him.
0:04:08 > 0:04:11And then, having identified who he actually was,
0:04:11 > 0:04:13and then referred that to IFED.
0:04:16 > 0:04:18IFED is the City of London Police's
0:04:18 > 0:04:21insurance fraud enforcement department.
0:04:21 > 0:04:24A dedicated team of detectives dedicated to stopping
0:04:24 > 0:04:27insurance fraud cheats.
0:04:27 > 0:04:30There's ever more sophisticated detection tools being used by
0:04:30 > 0:04:31the industry.
0:04:31 > 0:04:34We're getting more and more cases every day.
0:04:36 > 0:04:39This elite squad has prevented millions of pounds being paid
0:04:39 > 0:04:41out to criminals in fraudulent claims.
0:04:42 > 0:04:46From now on, insurance cheats needs to look over their shoulders.
0:04:46 > 0:04:50It's all fraud, it's all crime, and it can all lead to prison.
0:04:50 > 0:04:53Police! Don't move! Stay where you are!
0:04:55 > 0:04:58Simon Styles is IFED's financial investigator,
0:04:58 > 0:05:00and was part of the team that took on the case.
0:05:02 > 0:05:05RSA's enquiries had already identified that King was behaving
0:05:05 > 0:05:08very suspiciously by making dozens of calls to them
0:05:08 > 0:05:10under various guises.
0:05:12 > 0:05:15So, the first thing that IFED detectives did was to take
0:05:15 > 0:05:17a closer look at his business activities.
0:05:18 > 0:05:22From the outside, Jeffrey King appeared to be
0:05:22 > 0:05:25a hard-working individual, an entrepreneur, if you like.
0:05:25 > 0:05:29IFED quickly established that King had his fingers in lots of pies.
0:05:30 > 0:05:32But it was one of his online enterprises
0:05:32 > 0:05:35that stood out in particular.
0:05:35 > 0:05:38Mr King had advertised for
0:05:38 > 0:05:40the selling of insurance
0:05:40 > 0:05:42on 28 occasions via the internet.
0:05:42 > 0:05:46Those companies were checked and details from that were taken
0:05:46 > 0:05:51which showed that Jeffrey King was behind those advertisements.
0:05:51 > 0:05:54And it was from that that the investigation really took
0:05:54 > 0:05:55a step forward.
0:05:55 > 0:05:58King many have been a man of many trades,
0:05:58 > 0:06:01but licensed insurance broker wasn't one of them.
0:06:01 > 0:06:04He was selling fake insurance policies which
0:06:04 > 0:06:08unlucky recipients believed to be 100% genuine.
0:06:08 > 0:06:11IFED quickly sussed out that King was taking advantage of
0:06:11 > 0:06:15a special offer available at certain car dealerships,
0:06:15 > 0:06:17where customers who'd brought brand-new cars
0:06:17 > 0:06:21could claim a week's free insurance cover.
0:06:21 > 0:06:24He just obtained the dealer code off a flyer
0:06:24 > 0:06:25at any dealership.
0:06:25 > 0:06:28He was then able to ring RSA, purporting to be anybody,
0:06:28 > 0:06:30and having the details of a registration number,
0:06:30 > 0:06:33was able to obtain free seven-day cover.
0:06:33 > 0:06:35And as a result of that,
0:06:35 > 0:06:38received, by e-mail, the cover.
0:06:38 > 0:06:40And it's from that cover he would sell on to
0:06:40 > 0:06:43unsuspecting members of the public.
0:06:43 > 0:06:46So, King had a source of genuine certificates
0:06:46 > 0:06:48he acquired with false information.
0:06:48 > 0:06:51He then doctored the document with the details of the individual
0:06:51 > 0:06:55he intended to pass the worthless policy off to.
0:06:55 > 0:06:57But, little did he know, that IFED were on to him.
0:06:57 > 0:06:59And with his MO revealed,
0:06:59 > 0:07:01it wasn't long before the case against King
0:07:01 > 0:07:04started to accelerate.
0:07:04 > 0:07:06I was able to link
0:07:06 > 0:07:09the certificates that were purchased by
0:07:09 > 0:07:13Mr King to money that was placed in his account.
0:07:13 > 0:07:16That came to just over £65,000.
0:07:17 > 0:07:20As a financial investigator, it's Simon's job to look for
0:07:20 > 0:07:24connections between suspected fraudsters and their income.
0:07:24 > 0:07:28And in the case of King, there was no shortage of evidence.
0:07:28 > 0:07:31By now, we had obtained evidence that Jeffrey king was acting
0:07:31 > 0:07:33as a ghost broker.
0:07:33 > 0:07:35We decided to visit his home address
0:07:35 > 0:07:37and ask him directly what he was up to.
0:07:39 > 0:07:43On the 6th December 2013, officers from IFED carried out
0:07:43 > 0:07:47two early-morning raids on addresses linked to Jeffrey Derek King.
0:07:49 > 0:07:51DS Craig Mullish heads up a team
0:07:51 > 0:07:53that raids his home address.
0:07:53 > 0:07:55The plan of action today is to execute
0:07:55 > 0:07:59a warrant in Chadwell Heath, Essex, and in addition to that,
0:07:59 > 0:08:03simultaneously, there'll be another warrant executed in East London.
0:08:03 > 0:08:06The element of surprise is crucial to a successful raid.
0:08:07 > 0:08:10Targeting multiple addresses at the same time prevents
0:08:10 > 0:08:14communication between any of the suspects, and minimises the
0:08:14 > 0:08:18risk of potentially damning evidence from being destroyed.
0:08:18 > 0:08:21All our enquiries linked Mr King to the family address.
0:08:21 > 0:08:24Just before the raids took place I identified another address
0:08:24 > 0:08:27that he'd recently moved to.
0:08:27 > 0:08:30And so we decided to knock on two doors
0:08:30 > 0:08:34on the day of Mr King's arrest.
0:08:34 > 0:08:37Over in East London, DC Alex Cooley is leading the raid
0:08:37 > 0:08:39on King's second potential location.
0:08:39 > 0:08:41We have to remain on our guard.
0:08:41 > 0:08:44We have no reason to believe the suspect is aware that we're
0:08:44 > 0:08:45going to be turning up early in the morning,
0:08:45 > 0:08:49so he could react in any one of a whole number of ways.
0:08:50 > 0:08:53Today, the evidence that we'll be looking for would be
0:08:53 > 0:08:58computers and any device capable of storing data.
0:08:58 > 0:09:01Together with documentation relating to insurance policies.
0:09:05 > 0:09:08It's not uncommon for suspects to make a dash for it.
0:09:08 > 0:09:10So, before knocking on the door,
0:09:10 > 0:09:13officers get into position to cover all escape routes.
0:09:14 > 0:09:16- Good morning.- Morning.
0:09:16 > 0:09:18HE KNOCKS
0:09:18 > 0:09:21Oh, hi. Morning to you. City of London Police.
0:09:22 > 0:09:24DS Mullish enters King's home address,
0:09:24 > 0:09:27placing him under arrest on suspicion of fraud.
0:09:29 > 0:09:31The team then search King's home...
0:09:33 > 0:09:37..and after three hours emerge with several bags of key evidence.
0:09:39 > 0:09:40Having swept King's property,
0:09:40 > 0:09:42DS Mullish inspects his car
0:09:42 > 0:09:45for further incriminating documents.
0:09:45 > 0:09:46From what you say...
0:09:46 > 0:09:49- Yeah.- ..we're not going to see anything in this car, right?
0:09:49 > 0:09:51- Yeah, yeah, yeah.- Yeah?- Yeah.
0:09:53 > 0:09:54- You stay there.- OK.
0:10:00 > 0:10:03Despite King's casual attitude,
0:10:03 > 0:10:06it doesn't take long to find even more evidence.
0:10:06 > 0:10:10The document seized from the suspect's vehicle is
0:10:10 > 0:10:14a copy of an insurance document in another person's name,
0:10:14 > 0:10:15other than the suspect,
0:10:15 > 0:10:20which is further evidence of the crime that we're looking into today.
0:10:20 > 0:10:23With a hefty haul of evidence bagged and tagged,
0:10:23 > 0:10:26it's loaded up, along with King.
0:10:26 > 0:10:30The evidence that we've found today relates to various insurance policy
0:10:30 > 0:10:33documentation in other peoples' names apart from the suspect.
0:10:33 > 0:10:37Which is good evidence to suggest they are absolutely linked
0:10:37 > 0:10:39into the investigation that we're currently undertaking,
0:10:39 > 0:10:44and we've also seized mobile phones and electrical devices.
0:10:44 > 0:10:47Motor documentation, MOT certificates.
0:10:47 > 0:10:49All in all, very good evidence.
0:10:50 > 0:10:53Over in east London, DC Cooley and his team have searched King's
0:10:53 > 0:10:57family home, which has been equally successful.
0:10:57 > 0:11:01We found documentation relating to motor insurance policies,
0:11:01 > 0:11:04we found a letter reportedly written by the suspect
0:11:04 > 0:11:08to an insurance company brokering terms and conditions
0:11:08 > 0:11:11on behalf of a reported client.
0:11:13 > 0:11:16The haul of evidence meant the brakes had been well and
0:11:16 > 0:11:18truly applied to King's operation.
0:11:18 > 0:11:21We found a large number of
0:11:21 > 0:11:23bogus certificates.
0:11:23 > 0:11:26We found original certificates that had been scanned and changed,
0:11:26 > 0:11:28and these details had been sent to
0:11:28 > 0:11:30unsuspecting members of the public,
0:11:30 > 0:11:33to drive around without any cover whatsoever.
0:11:34 > 0:11:38This was the evidence IFED needed to take King offline for good.
0:11:39 > 0:11:42When given the opportunity to tell his side of the story,
0:11:42 > 0:11:44King refused to break down.
0:11:44 > 0:11:48He tried to justify the certificates
0:11:48 > 0:11:50in his possession by making no comment.
0:11:50 > 0:11:53He made no comment throughout the investigation.
0:11:53 > 0:11:56He thought it would go away.
0:11:56 > 0:11:58But it wasn't going to.
0:11:58 > 0:12:00The case proceeded to court, at the Old Bailey,
0:12:00 > 0:12:03where King pleaded not guilty to three counts of fraud by
0:12:03 > 0:12:07false representation, and one count of money laundering.
0:12:07 > 0:12:10But the evidence was overwhelming.
0:12:10 > 0:12:14Jeffrey King was found guilty by a unanimous verdict and
0:12:14 > 0:12:16he was sentenced to two years' imprisonment.
0:12:17 > 0:12:21King's illegal sales of fake insurance policies had been
0:12:21 > 0:12:22shut down for good.
0:12:24 > 0:12:27For Simon, it was the end of a long, complex investigation.
0:12:27 > 0:12:30But his work wasn't quite done yet.
0:12:30 > 0:12:33It was my job to follow the money.
0:12:33 > 0:12:36I found that Mr King had made an awful lot of money
0:12:36 > 0:12:38from criminal activity.
0:12:38 > 0:12:41I managed to return £20,000 to victims of crime.
0:12:42 > 0:12:44Job well done.
0:12:44 > 0:12:46Jeffrey King thought no-one would come knocking at his door.
0:12:46 > 0:12:50He was wrong. This is a message to everyone out there who is thinking,
0:12:50 > 0:12:54or is committing, insurance fraud, that we won't stand for it.
0:12:54 > 0:12:57Like Mr King, we'll follow you, we'll track you down,
0:12:57 > 0:13:01we'll knock on your door, and you will be sentenced and convicted,
0:13:01 > 0:13:05and spend time behind bars to think on where you went wrong.
0:13:11 > 0:13:14Later, the door is firmly shut on an
0:13:14 > 0:13:17outrageously cheeky personal injury claim.
0:13:17 > 0:13:18We were shocked.
0:13:18 > 0:13:21You know, this story was no longer adding up,
0:13:21 > 0:13:24and because of that we had to probe a little bit further.
0:13:24 > 0:13:28And a man is prepared to reverse into another motorist - twice -
0:13:28 > 0:13:29for a pay-out.
0:13:29 > 0:13:30It makes me angry.
0:13:30 > 0:13:33This fraud is... Well, it's disgraceful, really.
0:13:38 > 0:13:41The Royal Mail has a fleet of over 30,000 vehicles
0:13:41 > 0:13:44working around the clock, seven days a week.
0:13:44 > 0:13:46With such a large presence on UK roads,
0:13:46 > 0:13:49the occasional incident is an inevitability.
0:13:49 > 0:13:52You'd like to think, though, that when an accident does happen,
0:13:52 > 0:13:53it'll be a fair exchange,
0:13:53 > 0:13:56with neither party trying to take advantage of the situation.
0:13:56 > 0:13:58If only.
0:13:58 > 0:14:00Unfortunately, that's not always the case.
0:14:02 > 0:14:04Royal Mail receive their fair share of traffic-related
0:14:04 > 0:14:06personal injury claims.
0:14:06 > 0:14:09It's Martin Hancock's job to sort out the sincere
0:14:09 > 0:14:11from the suspect ones.
0:14:11 > 0:14:13Like one case he dealt with in 2015.
0:14:14 > 0:14:18A personal injury claim detailed a member of the public in
0:14:18 > 0:14:21a collision with a Royal Mail vehicle at a junction.
0:14:21 > 0:14:24Mr Missen, the member of the public involved,
0:14:24 > 0:14:28alleged that the Royal Mail vehicle reversed into him at some lights.
0:14:28 > 0:14:31A common enough accident, but as we all know,
0:14:31 > 0:14:32reversing at a set of traffic lights
0:14:32 > 0:14:35is not a usual manoeuvre.
0:14:35 > 0:14:38Our investigations with the member of staff stated that
0:14:38 > 0:14:42he was stationary at the lights, and Mr Missen collided with him.
0:14:42 > 0:14:44While the version of events differed dramatically,
0:14:44 > 0:14:48the incident itself seemed like six of one, half a dozen of the other.
0:14:48 > 0:14:51The collision of the lights was described by
0:14:51 > 0:14:53the member of staff as, "Minor."
0:14:53 > 0:14:56He didn't even know it had happened until he felt a tiny bump.
0:14:56 > 0:14:59Both the drivers got out, looked at the vehicles,
0:14:59 > 0:15:01noticed no damage whatsoever.
0:15:01 > 0:15:04Neither were injured. They parted company without swapping details.
0:15:04 > 0:15:05A couple of months later,
0:15:05 > 0:15:09Mr Missen submitted a personal injury claim against Royal Mail.
0:15:09 > 0:15:13Yep. This is the same accident that one of the drivers reported
0:15:13 > 0:15:15to not even have felt.
0:15:15 > 0:15:18As the claim was being examined by our department,
0:15:18 > 0:15:20several inconsistencies were noticed.
0:15:20 > 0:15:25Mr Missen didn't go and see any medical facility for over a year.
0:15:25 > 0:15:28He stated his injuries were severe.
0:15:28 > 0:15:31They included to his neck, his back, his arm, his shoulder,
0:15:31 > 0:15:32and his forearm.
0:15:32 > 0:15:37His claim was in excess of £20,000 - around 5,000, including the damage
0:15:37 > 0:15:41to his vehicle, and 15,000 for the injury sustained during the collision.
0:15:42 > 0:15:44Well, a surprising amount of injuries
0:15:44 > 0:15:46from such a small accident,
0:15:46 > 0:15:49which Missen claimed prevented him from competing
0:15:49 > 0:15:52in his hobby of amateur boxing.
0:15:52 > 0:15:55Suspicious that they were dealing with a flighty fraudster,
0:15:55 > 0:15:57Royal Mail did some digging.
0:15:57 > 0:16:00Our investigation concentrated on Mr Missen's social media.
0:16:00 > 0:16:03And, despite his claims that he couldn't box, within two months
0:16:03 > 0:16:08of the accident, he'd won five amateur boxing matches in Chester.
0:16:08 > 0:16:11Oh, you heard right. That's...
0:16:15 > 0:16:17...fights.
0:16:17 > 0:16:20Missen wasn't just knocking out opponents, he was going for
0:16:20 > 0:16:23he was going for the world heavyweight belt of blags.
0:16:23 > 0:16:27But the Royal Mail weren't about to take this on the chin
0:16:27 > 0:16:29and notified the police.
0:16:29 > 0:16:32Mr Missen was arrested, taken to a police station and interviewed.
0:16:32 > 0:16:35During the interview he showed slight remorse.
0:16:35 > 0:16:37However, I believe this was only due to the fact that he'd been
0:16:37 > 0:16:41caught red-handed and the evidence against him was so strong.
0:16:41 > 0:16:45There was no way Missen would be able to sidestep the evidence
0:16:45 > 0:16:47when the case reached court.
0:16:47 > 0:16:51He was prosecuted for perverting the course of justice and fraud
0:16:51 > 0:16:53by false representation.
0:16:53 > 0:16:55He was given an eight-month prison sentence.
0:16:55 > 0:16:57The judge described the fraud as,
0:16:57 > 0:17:00"a squalid little fraud by a dishonest person."
0:17:01 > 0:17:04Royal Mail operate a zero-tolerance policy for anyone
0:17:04 > 0:17:06who attempts to defraud them.
0:17:06 > 0:17:09People think Royal Mail's and easy target for personal injury claims.
0:17:09 > 0:17:12However, we will examine every single personal injury claim
0:17:12 > 0:17:15and pursue it, if it's deemed to be questionable.
0:17:15 > 0:17:19A fact Darell Missen now knows all too well.
0:17:19 > 0:17:22With plenty of time to reflect on his attempted fraud.
0:17:22 > 0:17:25Mr Missen's actions caused him to go to prison, lose his job,
0:17:25 > 0:17:27and have a criminal record.
0:17:27 > 0:17:29I think, on reflection, he wouldn't do it again.
0:17:29 > 0:17:33Yep. This punchy pretender should have thrown in the towel
0:17:33 > 0:17:36and walked away from this fight before it had even begun.
0:17:41 > 0:17:43Often, it's the first we reach for when we wake up
0:17:43 > 0:17:47and the last thing we look at before we go to sleep.
0:17:47 > 0:17:50Smartphones are now an integral part of modern life.
0:17:50 > 0:17:53But, with handsets costing around £500,
0:17:53 > 0:17:56they are a high-value commodity which insurance cheats
0:17:56 > 0:18:00have identified as an easy way to make a quick buck.
0:18:01 > 0:18:05Whether you're calling, texting, e-mailing, sharing, surfing,
0:18:05 > 0:18:08or streaming, today's smartphone
0:18:08 > 0:18:11is something many just can't live without.
0:18:11 > 0:18:14So, what happens if your device gets accidentally damaged, or ditched?
0:18:17 > 0:18:21Luckily, there are people like Andy Morris at Assurant Solutions
0:18:21 > 0:18:24who protect our phones against all manner of device disasters.
0:18:25 > 0:18:29Andy's team received one particular call from a customer
0:18:29 > 0:18:32who'd made a few phone faux pas in quick succession.
0:18:34 > 0:18:38The very first claim that this individual submitted to us
0:18:38 > 0:18:45was for a loss of an iPhone which would have a value of over £500.
0:18:45 > 0:18:49That was assessed on its own merits and the claim was accepted.
0:18:49 > 0:18:51Amazingly, within a week,
0:18:51 > 0:18:55the claimant telephoned us back again to process a claim.
0:18:55 > 0:18:59So the claimant had previously said that his first phone
0:18:59 > 0:19:01had been stolen from his workplace.
0:19:01 > 0:19:03He then submitted a second claim, stating he'd left
0:19:03 > 0:19:07the replacement handset on the bus while on the way into work.
0:19:07 > 0:19:10Now, once is unlucky,
0:19:10 > 0:19:13but to lose two phones in as many weeks raised suspicion.
0:19:14 > 0:19:17Our fraud team felt it was worthwhile
0:19:17 > 0:19:19investigating a little further.
0:19:20 > 0:19:23With the claimant's run of bad luck not ringing true,
0:19:23 > 0:19:26a claims investigator gave him a call
0:19:26 > 0:19:29to talk through the details of his most recent claim.
0:19:55 > 0:19:57It seemed like a plausible story,
0:19:57 > 0:20:01but Andy's team had been doing their homework and it appeared
0:20:01 > 0:20:04the handsets have more in common than just their make and model.
0:20:06 > 0:20:09Upon further investigation of the second claim
0:20:09 > 0:20:12and reviewing both the second claim and now the first claim,
0:20:12 > 0:20:16it became very clear that both devices
0:20:16 > 0:20:19had been sold to the same recycling shop.
0:20:20 > 0:20:23This information was put to the claimant.
0:21:08 > 0:21:14Our fraud agents had received the information from the recycling shop.
0:21:14 > 0:21:19Not only the receipts of the transaction but, also, the identity
0:21:19 > 0:21:24and the documentation that the claimant had provided to that shop.
0:21:24 > 0:21:27The claimant hadn't just sold on his phones,
0:21:27 > 0:21:29he'd inadvertently sold himself out
0:21:29 > 0:21:33by providing the recycling shop with his genuine personal details.
0:21:33 > 0:21:37Armed with this knowledge, it was time to take the challenge to him.
0:22:03 > 0:22:09During the call, the claims handler provides lots of opportunity
0:22:09 > 0:22:11for the claimant to be honest.
0:22:12 > 0:22:15He actually declines to take that opportunity.
0:22:16 > 0:22:20While the claimant is given the chance to press cancel on his lie,
0:22:20 > 0:22:22he refuses to tell the truth.
0:22:22 > 0:22:25But it isn't long before he pushes redial,
0:22:25 > 0:22:27managing to get through to a claims handler
0:22:27 > 0:22:30who's unfamiliar with the case.
0:22:31 > 0:22:33The claimant, unprompted,
0:22:33 > 0:22:38then telephones back and asked to speak to our claims handler.
0:22:39 > 0:22:42And it would be a call the claims handler would never forget.
0:22:56 > 0:22:59OK. Let's hear that one more time.
0:23:19 > 0:23:23The claimant had attempted a successful claim, initially,
0:23:23 > 0:23:27and then, effectively, tried it on again.
0:23:28 > 0:23:31As the claimant talks through details of his admission,
0:23:31 > 0:23:33the full extent of the fraud becomes clear.
0:23:53 > 0:23:56After selling his first phone to a recycling shop,
0:23:56 > 0:23:59the claimant has then sold the replacement handset
0:23:59 > 0:24:00to the same store
0:24:00 > 0:24:03and attempted to make separate insurance claims
0:24:03 > 0:24:05for both devices.
0:24:17 > 0:24:21He then has a discussion with our claims handler
0:24:21 > 0:24:26to ask about what would be the consequences of his behaviour.
0:24:41 > 0:24:48This claimant, actually, is noticeably concerned
0:24:48 > 0:24:51about the potential consequence of his fraudulent behaviour.
0:25:04 > 0:25:07Er, maybe not the next best time to be asking for an upgrade.
0:25:15 > 0:25:20Due to the customer's honesty, it resulted in us
0:25:20 > 0:25:24not needing to do any more investigation in this case
0:25:24 > 0:25:27and the claimant withdrew their claim.
0:25:27 > 0:25:30On this occasion, the claimant had a lucky escape.
0:25:30 > 0:25:32It could easily have been a different story,
0:25:32 > 0:25:36as the insurer could have blacklisted, or prosecuted him,
0:25:36 > 0:25:37for attempted fraud.
0:25:42 > 0:25:43Still to come,
0:25:43 > 0:25:47a claimant is looking for a double bubble pay-out on a burglary.
0:25:47 > 0:25:50Not only was he using some invoices to claim twice,
0:25:50 > 0:25:53some of them were invoices he'd made up himself.
0:25:53 > 0:25:54He'd forged them.
0:25:58 > 0:26:01Ever wondered why your insurance premiums creep up
0:26:01 > 0:26:03every time you renew?
0:26:03 > 0:26:09Well, insurance fraud is costing the industry around £1.3 billion a year
0:26:09 > 0:26:13and that cost has been passed on to honest customers.
0:26:13 > 0:26:16The perpetrators ranging from highly organised crime syndicates
0:26:16 > 0:26:20to one-off chancers, the spectrum of fraudsters is huge.
0:26:22 > 0:26:24But it's actually opportunistic fraud,
0:26:24 > 0:26:27often perpetrated by otherwise honest individuals,
0:26:27 > 0:26:29who don't mind exaggerating a claim,
0:26:29 > 0:26:32which is an ongoing battle for insurers.
0:26:32 > 0:26:36Highlighted in one case that came to Axa's head of fraud,
0:26:36 > 0:26:37Richard Davies, in 2015.
0:26:38 > 0:26:42Axa's customer told us that they'd been involved
0:26:42 > 0:26:44in a very small car park accident.
0:26:44 > 0:26:47They were parking up in a bay, they'd opened a door
0:26:47 > 0:26:50and, unfortunately, their door had touched the door of a vehicle,
0:26:50 > 0:26:52which was next to them.
0:26:54 > 0:26:56Unfortunately, an all-too-easy mistake to make
0:26:56 > 0:26:59in a tightly packed car park.
0:26:59 > 0:27:02But a fairly straightforward claim for Richard's team.
0:27:02 > 0:27:05After the claim was reported to us,
0:27:05 > 0:27:08we contacted Mr Kamal, who was the third party.
0:27:08 > 0:27:11He confirmed the story that we'd been told that our customer
0:27:11 > 0:27:15had parked up, next to him, that the passenger had opened the door
0:27:15 > 0:27:18and that door had lightly touched his car.
0:27:18 > 0:27:22As far as we're concerned, this is a very minor accident.
0:27:22 > 0:27:25You know, we're looking at a small claim,
0:27:25 > 0:27:28maybe to repair the door of the third party.
0:27:29 > 0:27:34But this claim would quickly take a quite astonishing U-turn.
0:27:34 > 0:27:39We received two claims totalling £25,000 worth of damages.
0:27:39 > 0:27:43The first was from Mr Kamal himself,
0:27:43 > 0:27:46who said he had a serious spine injury.
0:27:46 > 0:27:49The second was for his partner, Miss Keenan,
0:27:49 > 0:27:52who also had a serious spine injury, resulting from this accident.
0:27:54 > 0:27:56£25,000.
0:27:56 > 0:27:59Let's not forget that this was a minor incident
0:27:59 > 0:28:01between two stationary vehicles.
0:28:01 > 0:28:04But Shakil Kamal and Kerry Keenan
0:28:04 > 0:28:07were claiming serious spinal injuries.
0:28:07 > 0:28:11However, Richard suspected that the only thing crooked was their story.
0:28:13 > 0:28:14We were shocked.
0:28:14 > 0:28:16You know, this story was no longer adding up
0:28:16 > 0:28:19and, because of that, we had to probe a little bit further.
0:28:20 > 0:28:24The report that we received from the medical experts
0:28:24 > 0:28:28said that Mr Kamal claimed he'd been side shunted in a car park.
0:28:28 > 0:28:31This is completely different to somebody opening a door
0:28:31 > 0:28:34and lightly touching the vehicle.
0:28:34 > 0:28:37Kamal had parked his original version of events
0:28:37 > 0:28:40and traded it in for something a little more dramatic.
0:28:40 > 0:28:44But Richard wasn't about to swallow this exaggerated tale.
0:28:44 > 0:28:48We decided that the stories were completely inconsistent
0:28:48 > 0:28:52and that we weren't going to make any offer to settle the claim.
0:28:52 > 0:28:56But Kemal was convinced there was some mileage left
0:28:56 > 0:29:00in his claim and was determined to pursue it at all costs.
0:29:00 > 0:29:04We thought that Mr Kamal would simply walk away from this claim.
0:29:04 > 0:29:07Unfortunately, he decided that he was going to take the fight on
0:29:07 > 0:29:09and he took us to court.
0:29:10 > 0:29:13But it was in court where the real car crash occurred.
0:29:13 > 0:29:18When Mr Kamal got to court, his story was completely inconsistent.
0:29:18 > 0:29:20He kept changing his version of events.
0:29:20 > 0:29:24Mr Kamal was found to be fundamentally dishonest.
0:29:24 > 0:29:28In simple terms, the judge thought he was lying to the court.
0:29:28 > 0:29:32In this case, Mr Kamal ended up with a bill for £18,000
0:29:32 > 0:29:35and those were the costs that we'd incurred
0:29:35 > 0:29:37in trying to defend this fraudulent claim.
0:29:39 > 0:29:41Two years ago Shakil Kamal
0:29:41 > 0:29:43could have potentially walked away from court
0:29:43 > 0:29:45without having to cough up a penny
0:29:45 > 0:29:48for his blatant and opportunistic attempt at fraud.
0:29:51 > 0:29:54In 2014, the Fundamental Dishonesty Defence Act
0:29:54 > 0:29:57was introduced to combat this behaviour.
0:29:57 > 0:30:02It's down to this law that Kamal was landed with an £18,000 bill to pay.
0:30:04 > 0:30:07Solicitor Jared Mallinson has plenty of experience
0:30:07 > 0:30:09using this law to good effect in court.
0:30:09 > 0:30:12The ruin of fundamental dishonesty was brought into the
0:30:12 > 0:30:17insurance industry as a major deterrent for would-be fraudsters.
0:30:17 > 0:30:19If a person making a claim loses at trial,
0:30:19 > 0:30:22they wouldn't have to pay the insurer's costs.
0:30:22 > 0:30:25If, however, that claims to have been fundamentally dishonest
0:30:25 > 0:30:27by the judge who's hearing the case,
0:30:27 > 0:30:30then the claimant does to have to play the insurer's costs.
0:30:30 > 0:30:32Those, in a standard road traffic accident case,
0:30:32 > 0:30:36can amount to around £10,000, or so, or even more in some cases.
0:30:37 > 0:30:41And the courts have zero tolerance for tall tales, exaggeration,
0:30:41 > 0:30:44or embellishment when it comes to making an insurance claim.
0:30:46 > 0:30:49Let's say somebody has a genuine injury, but they also put in
0:30:49 > 0:30:53a claim for loss of earnings, which is entirely fraudulent.
0:30:53 > 0:30:56If the judge finds that the loss of earnings claim is fundamentally
0:30:56 > 0:31:00dishonest, then the entire claim has to be dismissed by the judge.
0:31:00 > 0:31:04And for those who fancy their chances with a fraudulent claim,
0:31:04 > 0:31:07you could end up losing far more than you ever had to gain.
0:31:08 > 0:31:12If those costs aren't paid, we can take further enforcement action,
0:31:12 > 0:31:17which could include sending bailiffs out to take control
0:31:17 > 0:31:19of possessions, that could include their car.
0:31:19 > 0:31:22There could be further measures, such as asking the court to force
0:31:22 > 0:31:25that person to sell their house to repay their debt.
0:31:25 > 0:31:28This law meant that justice was served for Richard
0:31:28 > 0:31:31and the team at Axa.
0:31:31 > 0:31:34This is a great result for all insurers.
0:31:34 > 0:31:38Again, it shows that dishonest claimants will be taken
0:31:38 > 0:31:40right the way through the courts and they could end up with
0:31:40 > 0:31:43significant judgements against them.
0:31:43 > 0:31:45Having to pay back £18,000 to Axa
0:31:45 > 0:31:47will be a real challenge for Mr Kamal
0:31:47 > 0:31:50and we will make sure that we get that money back.
0:31:55 > 0:31:58Now, how do you do your grocery shopping?
0:31:58 > 0:32:01I know Sunday evenings, wouldn't be the same for my wife and I
0:32:01 > 0:32:03without a cup of tea and a bit of an online shop.
0:32:03 > 0:32:05I am a hopeless romantic.
0:32:05 > 0:32:09Well, one in four others now do our main food shop online.
0:32:09 > 0:32:12And, to meet demand, supermarkets have introduced
0:32:12 > 0:32:15thousands of new commercial delivery vehicles to UK roads.
0:32:15 > 0:32:18While this service has been eaten up by customers,
0:32:18 > 0:32:22it also provided a tasty target for insurance cheats,
0:32:22 > 0:32:25who caused deliberate crashes.
0:32:25 > 0:32:27A practice known as "crash for cash".
0:32:29 > 0:32:30You might be wondering
0:32:30 > 0:32:32why fraudsters would target delivery vehicles
0:32:32 > 0:32:36It's a subject Tom Gardiner is well versed in.
0:32:36 > 0:32:39In the past, commercial vehicles have been deliberately targeted
0:32:39 > 0:32:41by fraudsters because they know that they will be insured
0:32:41 > 0:32:45and that they are likely to get a pay-out.
0:32:45 > 0:32:49With delivery drivers clocking up so many miles, every day,
0:32:49 > 0:32:51the risk of incident is high.
0:32:51 > 0:32:56Just like the one involving a car and an Iceland delivery van
0:32:56 > 0:32:57in Luton, in 2014.
0:32:57 > 0:33:00The initial claim that was reported by Mr Hussein
0:33:00 > 0:33:04was for damage to his vehicle and for whiplash injuries,
0:33:04 > 0:33:07following what appeared to be, on the face of it,
0:33:07 > 0:33:10a straightforward rear-end shunt at a junction.
0:33:10 > 0:33:13It looked like an everyday claim.
0:33:13 > 0:33:18A whiplash injury may be worth £1,500-£3,000.
0:33:18 > 0:33:21It may have appeared to have been a run of the mill accident
0:33:21 > 0:33:23but Mr Hussein didn't waste any time
0:33:23 > 0:33:27in getting in touch with Iceland store manager Ian Bisby.
0:33:27 > 0:33:30The driver of the vehicle called me and told me
0:33:30 > 0:33:32that my driver had driven into him.
0:33:32 > 0:33:35He said, my driver hadn't stopped at a T-junction,
0:33:35 > 0:33:38damaged his car and he had a witness.
0:33:38 > 0:33:43And that he wanted our insurance details to take the matter further.
0:33:43 > 0:33:46But it wasn't long before Ian was to hear a different story.
0:33:46 > 0:33:48Within moments, my driver called me
0:33:48 > 0:33:50and said a customer reversed into him.
0:33:50 > 0:33:52On the face of it, I thought,
0:33:52 > 0:33:54the customer's probably more plausible.
0:33:54 > 0:33:57He was stationary at a T-junction. My driver approached him.
0:33:57 > 0:33:59My driver hit him. That's the way I probably would have viewed it.
0:34:00 > 0:34:03The driver in question was Ashley Dissan.
0:34:03 > 0:34:07And he wasn't about to let his side of the story be discounted.
0:34:07 > 0:34:10I saw his reversing lights come on.
0:34:10 > 0:34:12And I thought it was a little bit strange.
0:34:12 > 0:34:14You know, seeing as though we were at a set of lights.
0:34:14 > 0:34:17The only way forward is forwards.
0:34:17 > 0:34:20And then he'd come back so far that the impact had happened,
0:34:20 > 0:34:25he rolled forward, I thought, OK, maybe he just got stuck in gear.
0:34:25 > 0:34:27And then I saw the reversing lights come on again.
0:34:27 > 0:34:30When he started coming back, that's where it, kind of,
0:34:30 > 0:34:32hit me that he's just not stopping.
0:34:32 > 0:34:35I was just lost for words. I got out of the van
0:34:35 > 0:34:37and I, obviously, asked him "What were you doing?"
0:34:39 > 0:34:42He said, "I tried to get it into gear and it got stuck into reverse."
0:34:42 > 0:34:46"I do apologise." I was, like, "OK. That's fair enough."
0:34:46 > 0:34:47He took responsibility.
0:34:47 > 0:34:51After that, we just followed on with exchanging insurance details.
0:34:51 > 0:34:54He may have been apologetic at the scene of the accident,
0:34:54 > 0:34:57but that didn't last long.
0:34:57 > 0:34:59It was Ashley's word against Mr Hussein's.
0:34:59 > 0:35:02However, Ashley did have an all seeing ally
0:35:02 > 0:35:04who would reveal the truth.
0:35:04 > 0:35:08What was unusual about this particular case was,
0:35:08 > 0:35:10over and above our driver's evidence,
0:35:10 > 0:35:13there was dash-cam evidence from our driver's van.
0:35:13 > 0:35:18What the dash-cam footage revealed was that this wasn't
0:35:18 > 0:35:21a straightforward rear-end shunt, at all.
0:35:21 > 0:35:25Dash-cams have been commonplace in commercial vehicles for years.
0:35:25 > 0:35:27And what this one revealed was that Mr Hussein
0:35:27 > 0:35:32was telling porky pies bigger than any Ashley's van was carrying.
0:35:32 > 0:35:34So, let's see what actually happened.
0:35:34 > 0:35:38It's a row of traffic. Everybody's got their brake lights on.
0:35:38 > 0:35:40Looks like they're waiting to go on to the main road in Luton
0:35:40 > 0:35:45Oh! The car in front of my driver reversed back into him.
0:35:45 > 0:35:47For no particular reason.
0:35:48 > 0:35:50The car hit Ashley's van.
0:35:50 > 0:35:54Mr Hussein may have lied about the accident happened
0:35:54 > 0:35:57but, maybe, the act itself was genuine driver error.
0:35:57 > 0:36:00He's just put a brake light on
0:36:00 > 0:36:02and he's reversing again. Into my van.
0:36:04 > 0:36:05It's the second time.
0:36:06 > 0:36:11It seems that Mr Hussein was running a buy one get one free special
0:36:11 > 0:36:13on shunts that day.
0:36:13 > 0:36:14It was conclusive evidence
0:36:14 > 0:36:17that Ashley's version of events checked out.
0:36:17 > 0:36:22Well, it makes me angry because the gentleman told me quite clearly
0:36:22 > 0:36:24my driver drove into him.
0:36:24 > 0:36:26It's fraud. It's disgraceful, really.
0:36:27 > 0:36:29The camera never lies.
0:36:29 > 0:36:31And with Mr Hussein's deception discovered,
0:36:31 > 0:36:34he was in for a nasty shock.
0:36:34 > 0:36:39Mr Hussein was trying to submit a fraudulent claim for damage
0:36:39 > 0:36:43to his vehicle and for a whiplash compensation.
0:36:43 > 0:36:46In this case, the evidence was so overwhelming that,
0:36:46 > 0:36:50not content with just repudiating the claim, we then presented
0:36:50 > 0:36:55the case to the Insurance Fraud Enforcement Department to prosecute.
0:36:55 > 0:36:58The IFED team were successful in bringing the case against
0:36:58 > 0:37:01this fraudster and justice was delivered.
0:37:01 > 0:37:05At court, Mr Hussein pleaded guilty to fraud
0:37:05 > 0:37:08and he received 100 hours community service,
0:37:08 > 0:37:12over and above not receiving a penny pay-out himself.
0:37:12 > 0:37:15Mr Hussein actually had to repay his own insurers for the damage
0:37:15 > 0:37:18that he had caused to his own vehicle, as well.
0:37:18 > 0:37:22Mr Hussein's attempt at fraud could have had severe consequences
0:37:22 > 0:37:25for Ashley and his family.
0:37:25 > 0:37:28We treat safety of our customers very importantly.
0:37:28 > 0:37:31The driver in question could have gone down the disciplinary route
0:37:31 > 0:37:34and, possibly, lost his job, if we felt he was lying to us
0:37:34 > 0:37:37in an investigation of causing an avoidable accident.
0:37:37 > 0:37:40He's a driver by trade and his future employer might say,
0:37:40 > 0:37:43"Why did you leave your last job?" "I was sacked for crashing a van."
0:37:43 > 0:37:46The dash-cam may have saved Ashley's bacon
0:37:46 > 0:37:49but he had already suffered needless stress.
0:37:49 > 0:37:54I was always questioning whether I'm going to get that dreaded line
0:37:54 > 0:37:57of, "I'm sorry, unfortunately, you've lost your job."
0:37:59 > 0:38:03But, luckily for me, with the equipment of the dash-cams,
0:38:03 > 0:38:07I'm here today and, obviously, going to be here tomorrow.
0:38:13 > 0:38:17Every 45 seconds there's an attempted burglary in the UK.
0:38:17 > 0:38:20Victims of this invasive crime can be left traumatised
0:38:20 > 0:38:21and terrified.
0:38:21 > 0:38:25Many household break-ins occur when homeowners are away on holiday.
0:38:25 > 0:38:27If the worst should happen,
0:38:27 > 0:38:30insurers are there to help pick up the pieces.
0:38:32 > 0:38:33Hello, Clare Lunn speaking.
0:38:33 > 0:38:36Clare Lunn, head of claims crime prevention for LV,
0:38:36 > 0:38:40received one claim from a customer who'd had a nasty shock.
0:38:41 > 0:38:45We received a call from our customer, Mr Ghosh,
0:38:45 > 0:38:48who reported that he'd returned back from his holiday to find
0:38:48 > 0:38:53that his home had been broken into and several items stolen.
0:38:53 > 0:38:56In the region of approximately £60,000.
0:38:57 > 0:39:0160 grand's worth. That's a financially devastating loss.
0:39:01 > 0:39:05So, what exactly was taken?
0:39:05 > 0:39:08We asked Mr Ghosh to provide a list of items,
0:39:08 > 0:39:12these included a home cinema system, CDs,
0:39:12 > 0:39:15items of clothing, sports equipment,
0:39:15 > 0:39:17lots of jewellery, and watches,
0:39:17 > 0:39:23and a quite sizeable amount of cash, you know, £12,000.
0:39:24 > 0:39:27With such a high-value claim from what appeared to be
0:39:27 > 0:39:30a typical residential address, further enquiries were made.
0:39:30 > 0:39:35The policy had only just been taken out with LV.
0:39:36 > 0:39:40And our systems had flagged that Mr Ghosh had had
0:39:40 > 0:39:45a previous claim with another insurer the previous year.
0:39:45 > 0:39:48And the circumstances surrounding that claim
0:39:48 > 0:39:51seemed quite similar to this one.
0:39:51 > 0:39:54But the similarities didn't end there.
0:39:56 > 0:39:59We also contacted the previous insurance company
0:39:59 > 0:40:04that handled the other break-in and we found that there was
0:40:04 > 0:40:07a similar loss list provided to them,
0:40:07 > 0:40:10in the region of £34,000,
0:40:10 > 0:40:13and that 20 of the items
0:40:13 > 0:40:17that was allegedly stolen this time matched the previous claim.
0:40:19 > 0:40:22A strong claim of claim deja vu was occurring.
0:40:22 > 0:40:25While the previous claim with another insurer had been paid out,
0:40:25 > 0:40:28Claire wasn't going to hand over any cash
0:40:28 > 0:40:31before Ghosh's paperwork had been authenticated.
0:40:32 > 0:40:36When we first got the receipts, they look pretty genuine.
0:40:36 > 0:40:39So, it was only the fact that we called the company
0:40:39 > 0:40:42and checked out the validity of the invoices
0:40:42 > 0:40:45that they matched items, they matched the invoices,
0:40:45 > 0:40:50back number, etc, that we found that the invoices were actually false.
0:40:50 > 0:40:53A crucial discovery which strongly suggested
0:40:53 > 0:40:56that Ghosh was being less than truthful.
0:40:56 > 0:40:58The amount of evidence that we had,
0:40:58 > 0:41:03we didn't feel that we could allow Mr Ghosh to get away with this,
0:41:03 > 0:41:05so we referred the case
0:41:05 > 0:41:08to the Insurance Fraud Enforcement Department.
0:41:08 > 0:41:12With evidence that Mr Ghosh was making
0:41:12 > 0:41:14a fraudulent insurance claim,
0:41:14 > 0:41:16IFED gladly took the case on.
0:41:16 > 0:41:19Based on the evidence we had in front of us,
0:41:19 > 0:41:22it was pretty clear that he was trying to claim twice
0:41:22 > 0:41:24for something that happened once and that's fraud.
0:41:24 > 0:41:26So we had to open a full investigation.
0:41:28 > 0:41:31So, Ghosh was after a two for the price of one deal
0:41:31 > 0:41:33on a break-in he'd suffered two years ago.
0:41:33 > 0:41:38And he was determined this to make this alleged robbery appear legit.
0:41:39 > 0:41:43Our investigations uncovered that not only was he using some invoices
0:41:43 > 0:41:46to claim twice, some of them were invoices he'd made up himself.
0:41:46 > 0:41:48He'd forged them.
0:41:48 > 0:41:52The fake invoices Ghosh had created would ultimately seal his fate.
0:41:53 > 0:41:56Making a false claim is a fraud in itself.
0:41:56 > 0:42:00But also, forging documents is a separate offence in its own right.
0:42:00 > 0:42:03At that point, we needed to move to arrest Mr Ghosh
0:42:03 > 0:42:06to secure further evidence and get his account.
0:42:07 > 0:42:08Under interview,
0:42:08 > 0:42:12Ghosh admitted to supplying fake invoices to his insurers.
0:42:12 > 0:42:14And fraudulently attempting to claim for items
0:42:14 > 0:42:17he'd previously received payment for.
0:42:17 > 0:42:20At court, faced with the overwhelming evidence,
0:42:20 > 0:42:21Mr Ghosh pled guilty.
0:42:21 > 0:42:23He is now a convicted criminal.
0:42:23 > 0:42:26And as far as IFED were concerned, there was nothing opportunistic
0:42:26 > 0:42:29about this attempted daylight robbery.
0:42:30 > 0:42:33One of the aggravating factors of this is the lengths
0:42:33 > 0:42:35that Mr Ghosh had gone to to defraud his insurer.
0:42:35 > 0:42:38There is clear evidence that he'd thought about this
0:42:38 > 0:42:41in the manufacturing and forging of these invoices,
0:42:41 > 0:42:44so he'd taken a lot of thought and planning, ultimately, for nothing.
0:42:44 > 0:42:47And for anyone who thinks that insurance fraud
0:42:47 > 0:42:51is a minor misconduct rather than a major crime, well, think again.
0:42:51 > 0:42:54Maybe because it is filling out some forms and, maybe, online,
0:42:54 > 0:42:57people see it as different to walking into a supermarket,
0:42:57 > 0:43:01picking up some food and just walking out the door, but it's not.
0:43:01 > 0:43:03It's theft or, in this case, it's fraud.
0:43:07 > 0:43:10Insurance fraud hits all of us in the pocket,
0:43:10 > 0:43:13but more and more of these scammers and conmen
0:43:13 > 0:43:16are being Claimed And Shamed.