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 > 0:00:25Deliberate 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 > 0:00:33And, every year, it's adding around £50 to your insurance bill.
0:00:33 > 0:00:35But insurers are fighting back,
0:00:35 > 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 of the vehicle.
0:00:44 > 0:00:46..sophisticated data analysis techniques,
0:00:49 > 0:00:51..and a number of highly-skilled police units,...
0:00:51 > 0:00:53Police! Stay where you are!
0:00:53 > 0:00:55..they're catching the criminals red-handed.
0:00:55 > 0:00:57Don't lie to us!
0:00:58 > 0:01:01All those conmen, scammers and cheats on the fiddle
0:01:01 > 0:01:04are now caught in the act and Claimed And Shamed.
0:01:10 > 0:01:13A husband and wife team of fraudsters
0:01:13 > 0:01:15get some unwelcome visitors.
0:01:15 > 0:01:18Police officers. Can you come to the door, please?
0:01:18 > 0:01:22Some revealing CCTV footage proves to be comedy gold.
0:01:22 > 0:01:25He's pacing around. He is very agitated.
0:01:25 > 0:01:28I watched this back at triple speed
0:01:28 > 0:01:30and I could hear the Benny Hill music playing the background.
0:01:30 > 0:01:35An esure deal with a particularly hapless driver.
0:01:35 > 0:01:39It was simply inconceivable that one individual could be so unlucky
0:01:39 > 0:01:43to be involved in five separate road traffic accidents
0:01:43 > 0:01:44in ten months.
0:01:48 > 0:01:51Insurance companies are a meticulous lot.
0:01:51 > 0:01:54They will comb through every detail of a claim,
0:01:54 > 0:01:57to ensure that everything is as it should be.
0:01:57 > 0:01:59As long as you've done nothing wrong, there's nothing
0:01:59 > 0:02:03to worry about, but if you are defrauding your insurance provider,
0:02:03 > 0:02:06it is more than likely that you'll get found out.
0:02:06 > 0:02:09It might not happen right away but, eventually,
0:02:09 > 0:02:12they will find you and come after you.
0:02:12 > 0:02:16Fraud is a crime and the police are getting wise to it.
0:02:16 > 0:02:19When an insurance company detects fraudsters,
0:02:19 > 0:02:22they'll hand them over to IFED.
0:02:22 > 0:02:27In 2012, the Insurance Fraud Enforcement Department was set up.
0:02:27 > 0:02:29They are a dedicated police squad,
0:02:29 > 0:02:32specialising in bringing those committing insurance fraud
0:02:32 > 0:02:37to justice. To date, they've convicted over 200 fraudsters.
0:02:39 > 0:02:42Simon Styles is IFED's financial investigator.
0:02:42 > 0:02:46In 2014, he and the team were given a case to investigate
0:02:46 > 0:02:49by a health insurance provider called Simplyhealth.
0:02:50 > 0:02:54They wanted IFED to look into two of their policyholders.
0:02:54 > 0:02:57Mr Rehman Khan and his wife Shagufta.
0:02:57 > 0:03:00Simplyhealth had made some rather startling discoveries
0:03:00 > 0:03:04about what this seemingly ordinary couple were up to.
0:03:04 > 0:03:07The Khans had a joint policy since 2002
0:03:07 > 0:03:10and they made a number of legitimate claims,
0:03:10 > 0:03:13as well as fraudulent claims, over a ten-year period.
0:03:13 > 0:03:17And it was only an internal audit ten years into their policy
0:03:17 > 0:03:21that Simplyhealth realised something was wrong.
0:03:21 > 0:03:24They found that 300 claims had been made on the policy
0:03:24 > 0:03:26over the period of time.
0:03:26 > 0:03:29As a result of the audit and further investigations,
0:03:29 > 0:03:32it was discovered that 245 of those claims were fraudulent.
0:03:32 > 0:03:38These 245 fraudulent claims added up to over £18,000
0:03:38 > 0:03:41that had been handed out to the Khans by Simplyhealth.
0:03:43 > 0:03:46The type of claims that were made by Mr and Mrs Khan,
0:03:46 > 0:03:48over a ten-year period, were low-level claims.
0:03:48 > 0:03:50A claims handler receiving that on their desk
0:03:50 > 0:03:52wouldn't really bat an eyelid.
0:03:52 > 0:03:55Unfortunately, these claims just slipped through the net.
0:03:57 > 0:04:00So, by keeping each individual amount claimed low,
0:04:00 > 0:04:05often under £100, Mr and Mrs Khan's fake claims went unnoticed.
0:04:05 > 0:04:08What's more, some of the health care that the Khans were claiming for
0:04:08 > 0:04:09was genuine.
0:04:09 > 0:04:12There were some 25 different companies
0:04:12 > 0:04:15that have been visited by the Khans.
0:04:15 > 0:04:18They had all said that the Khan family had attended there,
0:04:18 > 0:04:21at some point in the past ten years, but on minimal occasions.
0:04:21 > 0:04:25And not the number of occasions that the Khans had claimed they did.
0:04:25 > 0:04:28IFED suspected that the Khans had been using real invoices
0:04:28 > 0:04:31as templates to produce fake ones.
0:04:31 > 0:04:34They were also pretty sure that the couple weren't going to stop
0:04:34 > 0:04:37putting in more claims any time soon.
0:04:39 > 0:04:42We knew that we quickly had to speak to both Mr and Mrs Khan,
0:04:42 > 0:04:45to make sure that we would stop any more fraudulent activity,
0:04:45 > 0:04:50because the level and period of time and number of claims,
0:04:50 > 0:04:54we knew that they would continue in their criminal activity.
0:04:54 > 0:04:57IFED needed to act fast to stop the Khans,
0:04:57 > 0:04:59but they needed hard evidence
0:04:59 > 0:05:01to prove that the couple had been committing fraud.
0:05:01 > 0:05:06And the only way to get this was to raid the Khans' home.
0:05:08 > 0:05:126.30am, Simon, along with Detective Sergeant Tom Hill, are on the move.
0:05:14 > 0:05:19We're going to arrest two members of the same family
0:05:19 > 0:05:23who have been committing health insurance fraud
0:05:23 > 0:05:25over a ten-year period
0:05:25 > 0:05:30by submitting fake, or altered, invoices for medical care
0:05:30 > 0:05:36from various hospitals and other, sort of, health care providers.
0:05:37 > 0:05:41Mr and Mrs Khan have no idea that a police unit is closing in
0:05:41 > 0:05:45and officers hope that, by raiding early in the morning,
0:05:45 > 0:05:47they've got more chance of them being in
0:05:47 > 0:05:49and the IFED officers are out in force.
0:05:49 > 0:05:51There's another team going to another address
0:05:51 > 0:05:56and it will be a simultaneous arrest, if all goes to plan.
0:05:57 > 0:06:01As with any raid, the police never know how suspects will react
0:06:01 > 0:06:03and are trained to be vigilant.
0:06:03 > 0:06:07It's just a question of securing entry,
0:06:07 > 0:06:10in the first case, and making sure the premises is secure
0:06:10 > 0:06:14and all the people inside are accounted for, for our own safety.
0:06:15 > 0:06:18A few miles away, the second IFED team has arrived
0:06:18 > 0:06:21at the address of the other suspect.
0:06:21 > 0:06:24With raids like this, speed and surprise are everything.
0:06:28 > 0:06:31Once alerted, suspects may make a run for it,
0:06:31 > 0:06:33so with the exits covered,
0:06:33 > 0:06:36the occupants of both houses are given a rude awakening.
0:06:36 > 0:06:40Police officers. Can you come to the door, please?
0:06:44 > 0:06:45Good morning.
0:06:45 > 0:06:47Detective Inspector Ben Flanagan, from the City of London Police.
0:06:47 > 0:06:50- Are you Rehman Khan?- Yeah. - Do you mind if we come in?
0:06:50 > 0:06:53I'll speak to you. I'll tell you what's happening. OK?
0:06:53 > 0:06:57- Who else is in the house?- My wife. - Your wife. Well, get them down.
0:06:57 > 0:06:59- Are they upstairs?- Yeah. - And I'll speak to you all at once.
0:06:59 > 0:07:01- They're going to have to wake up.- Police.
0:07:01 > 0:07:05The police are in luck, both Rehman and Shagufta are in.
0:07:05 > 0:07:09Would you like to take a seat? I'll explain exactly what's happening.
0:07:09 > 0:07:14- Yeah, sure.- OK. We're detectives from the City of London Police.
0:07:14 > 0:07:17Insurance Fraud Enforcement Department.
0:07:17 > 0:07:20We've received an allegation from an insurance company,
0:07:20 > 0:07:23a crime has been reported to us of fraud,
0:07:23 > 0:07:27against Simplyhealth Insurance, OK?
0:07:27 > 0:07:31So, because of that allegation, I'm going to arrest you, OK,
0:07:31 > 0:07:33on suspicion of conspiracy to defraud.
0:07:33 > 0:07:35You do not have to say anything, but it may harm your defence
0:07:35 > 0:07:37if you do not mention, when questioned,
0:07:37 > 0:07:38something which you later rely on in court.
0:07:38 > 0:07:41Anything you do say may be given in evidence.
0:07:41 > 0:07:45So, we can search the premises. We can interview you.
0:07:47 > 0:07:49And, then, we'll take it from there.
0:07:49 > 0:07:52Understandably shocked, Mr Khan claims that he's heard nothing
0:07:52 > 0:07:55about this from his insurance company.
0:07:55 > 0:07:58I'm ready to sort this out, if there is a problem,
0:07:58 > 0:08:01- but they should talk to me first.- OK.
0:08:01 > 0:08:04Well, they say they have and there is a problem
0:08:04 > 0:08:05and it's been reported as a crime,
0:08:05 > 0:08:08so I'm going to deal with it now, as a police officer, OK?
0:08:08 > 0:08:11The case is now in the hands of IFED,
0:08:11 > 0:08:15which means the investigation will be run by its rules.
0:08:15 > 0:08:17To see if the Khans are willing to cooperate,
0:08:17 > 0:08:22Simon asks them to help him to locate any potential evidence.
0:08:22 > 0:08:24As I say, we're going to search your whole house.
0:08:24 > 0:08:27It simplifies it, if you can tell us where any documentation
0:08:27 > 0:08:32in relation to any claims that you may have made are.
0:08:32 > 0:08:35Is there anything down here? Or is it all upstairs? No. It's upstairs.
0:08:35 > 0:08:39'Whenever I go on searches, such as these, I always ask
0:08:39 > 0:08:41'the occupant, as I did with Mr Khan,'
0:08:41 > 0:08:42where the documentation was.
0:08:42 > 0:08:47He indicated various sideboards and cupboards and things
0:08:47 > 0:08:48around the building,
0:08:48 > 0:08:51but it gives you an idea but you never take that for granted.
0:08:51 > 0:08:53You've always got to search everything
0:08:53 > 0:08:56where you suspect it may be because, unfortunately, criminals do lie.
0:08:56 > 0:09:00So, the team embark on a systematic search of the entire property.
0:09:00 > 0:09:04We're looking for computer equipment
0:09:04 > 0:09:06which may have been used to manufacture
0:09:06 > 0:09:08fraudulent receipts and invoices.
0:09:08 > 0:09:11We're looking for paperwork, in relation to these insurance claims
0:09:11 > 0:09:13that are believed to be fraudulent.
0:09:13 > 0:09:16They soon find a number of memory sticks and laptops,
0:09:16 > 0:09:19which may have vital information stored on them.
0:09:19 > 0:09:22Everything is bagged up and labelled,
0:09:22 > 0:09:25ready to be taken away and examined by IFED's investigators.
0:09:28 > 0:09:32But it was a seemingly unassuming find that no-one was looking for
0:09:32 > 0:09:34that was to be crucial in cracking the case.
0:09:34 > 0:09:38Tucked away in one of the Khans' cupboards
0:09:38 > 0:09:42were several ink stamps and one had the word PAID on it.
0:09:44 > 0:09:45We'll have that.
0:09:45 > 0:09:47You never know what you're going to find
0:09:47 > 0:09:49when you go through the front door.
0:09:49 > 0:09:52You'd love to find little pieces of nuggets that you can use
0:09:52 > 0:09:54that's going to assist in your prosecution.
0:09:54 > 0:09:57Having a stamp with the word PAID on it,
0:09:57 > 0:10:00which was exactly the one we believed was used
0:10:00 > 0:10:03in the fraudulent invoices, where successful claims have been made,
0:10:03 > 0:10:06finding something like that was immensely useful
0:10:06 > 0:10:09and it's very satisfying when you find something like that.
0:10:09 > 0:10:13The police search was proving to be a great success.
0:10:13 > 0:10:16Simon turned his attention to the Khans' bank statements
0:10:16 > 0:10:17found at their house.
0:10:17 > 0:10:21Part of my job as a financial investigator is to establish what
0:10:21 > 0:10:25bank accounts people have, but also to see what lifestyle they've got.
0:10:25 > 0:10:28What it does show is that there's an income into the accounts
0:10:28 > 0:10:31far in excess of what they could have legitimately have earned.
0:10:31 > 0:10:34All the time, I'm totting it up, to see their outgoings
0:10:34 > 0:10:40and the incoming. And does it make sense, or is there a gap?
0:10:40 > 0:10:43Which would possibly suggest that they're living
0:10:43 > 0:10:47from the proceeds of criminal activity.
0:10:48 > 0:10:50As the search continues,
0:10:50 > 0:10:54Simon finds yet more of the Khans' financial paperwork to investigate.
0:10:54 > 0:10:58Just shown that this individual was on disability living allowance
0:10:58 > 0:11:01and, therefore, is not working.
0:11:01 > 0:11:07It was interesting to come across an instant access ISA.
0:11:07 > 0:11:09There's a number of credits into the account,
0:11:09 > 0:11:12over the last three or four years.
0:11:12 > 0:11:15The latest credit was in May of last year of £2,000,
0:11:15 > 0:11:19which shows the current balance is just over £4,000.
0:11:19 > 0:11:21Which is interesting.
0:11:21 > 0:11:24Something that I'll certainly put to her later in interview.
0:11:24 > 0:11:29As to how she's able to accumulate £4,000 in an ISA.
0:11:29 > 0:11:34More in-depth investigations reveal what Simon had suspected.
0:11:34 > 0:11:38The unaccounted money found in the Khans' many bank accounts
0:11:38 > 0:11:41matched the exact amount that had been paid out
0:11:41 > 0:11:44by Simplyhealth from the fraudulent claims.
0:11:44 > 0:11:47Simplyhealth paid out £18,000
0:11:47 > 0:11:49and I found that the bank accounts
0:11:50 > 0:11:54relating to the Khans had received £18,500.
0:11:54 > 0:11:58So, this put the Khans right in the middle of this fraud.
0:11:58 > 0:12:02With the raid at the Khans' house nearly complete,
0:12:02 > 0:12:03at the other address,
0:12:03 > 0:12:06the officers have found something which they believe could be vital.
0:12:06 > 0:12:10IFED's Ben Flanagan calls to give the news.
0:12:10 > 0:12:14We found details of a safety deposit box here.
0:12:15 > 0:12:17So I'm thinking that there may well be documents
0:12:17 > 0:12:21relating to this offence, or cash from it,
0:12:21 > 0:12:23in the box.
0:12:25 > 0:12:28With the searches at both properties over, Mr and Mrs Khan
0:12:28 > 0:12:31along with the evidence seized are taken back to the station.
0:12:32 > 0:12:35But the most important thing now
0:12:35 > 0:12:38is that IFED gets its hands on the safety deposit box,
0:12:38 > 0:12:41which could contain important evidence.
0:12:41 > 0:12:43Still to come....
0:12:43 > 0:12:44IFED hit the jackpot.
0:12:44 > 0:12:49You can see, it would appear that we've got items of jewellery.
0:12:50 > 0:12:52We'll be seizing all of this.
0:12:56 > 0:13:00Now, if you drive, then you have to have car insurance.
0:13:00 > 0:13:02It is simply not an option.
0:13:02 > 0:13:06And if you're unlucky enough to have an accident that is undisputedly
0:13:06 > 0:13:10your fault, it becomes clear why car insurance is so essential.
0:13:10 > 0:13:13Especially if you've caused a lot of damage to another car
0:13:13 > 0:13:16and, even worse, caused injuries to other people.
0:13:18 > 0:13:20This exact scenario happened
0:13:20 > 0:13:22to a man who'd had his car insured with esure.
0:13:22 > 0:13:26For argument's sake, let's call him Mr A.
0:13:26 > 0:13:29Mr A had driven into the back of someone at a set of traffic lights
0:13:29 > 0:13:34and conscientiously called his insurers to report the accident.
0:13:46 > 0:13:49The case was referred to a specialist insurance law firm,
0:13:49 > 0:13:51Horwich Farrelly.
0:13:51 > 0:13:54On the face of it, this was a run-of-the-mill road traffic
0:13:54 > 0:13:57accident that esure see all too frequently.
0:13:57 > 0:14:00The policyholder of esure was wholly at fault.
0:14:00 > 0:14:03That policyholder freely admitted liability.
0:14:05 > 0:14:07A seemingly-honest customer,
0:14:07 > 0:14:10but then it's hard to make out an accident isn't your fault
0:14:10 > 0:14:13when you've driven into a stationary vehicle.
0:14:13 > 0:14:18Unfortunately for Mr A, the car he'd crashed into was full of people.
0:14:33 > 0:14:37There were four people in the other car and all of them claimed
0:14:37 > 0:14:40to have been injured and wanted compensation.
0:14:40 > 0:14:43The first request to come in was from the driver.
0:14:43 > 0:14:45This was a claim for personal injury,
0:14:45 > 0:14:49valued at approximately £4,000,
0:14:49 > 0:14:53as well as a claim for vehicle damage in the sum of 4,250.
0:14:53 > 0:14:57This wasn't an unusually high amount for such a crash,
0:14:57 > 0:15:00but something Mr A had said on that initial phone call
0:15:00 > 0:15:02had immediately raised suspicions.
0:15:09 > 0:15:12Esure felt it was highly unlikely for a crash like this
0:15:12 > 0:15:15to have been reported just minutes after impact.
0:15:15 > 0:15:18Surely the five people involved would have got out,
0:15:18 > 0:15:21exchanged details, made sure no-one was seriously injured
0:15:21 > 0:15:24and pulled in somewhere safe before making a call.
0:15:24 > 0:15:27They decided to investigate Mr A further
0:15:27 > 0:15:30and were shocked at their findings.
0:15:30 > 0:15:32Just two weeks earlier, he had put in
0:15:32 > 0:15:36a claim for another accident that he also said was his fault.
0:15:39 > 0:15:41Whilst this claim was being investigated,
0:15:41 > 0:15:45a third and further claim was intimated against esure,
0:15:45 > 0:15:49with the policyholder once again freely admitting fault.
0:15:49 > 0:15:53So, Mr A had been in three accidents that he admitted
0:15:53 > 0:15:57were his fault in the space of just eight weeks.
0:15:57 > 0:15:59And all had injured several people.
0:15:59 > 0:16:01Either he was a terrible driver
0:16:01 > 0:16:04or something more sinister was going on.
0:16:04 > 0:16:07Esure carefully monitored Mr A for nearly a year
0:16:07 > 0:16:12and, in that time, he was involved in a total of five claims.
0:16:12 > 0:16:17It was simply inconceivable that one individual could be so unlucky
0:16:17 > 0:16:22to be involved in five separate road traffic accidents in ten months.
0:16:22 > 0:16:24So, what was going on?
0:16:24 > 0:16:28Well, Ronan and his team had a good idea.
0:16:28 > 0:16:30The policyholder had been offering inducements
0:16:30 > 0:16:33to stage road traffic accidents.
0:16:33 > 0:16:38He had accepted a policy with esure and had staged a number of
0:16:38 > 0:16:39different road traffic accidents,
0:16:39 > 0:16:42as well as another with a different insurer.
0:16:42 > 0:16:45So, with five separate collisions in ten months,
0:16:45 > 0:16:49esure and Horwich Farrelly suspected that Mr A had been paying people
0:16:49 > 0:16:52to take part in deliberate car accidents.
0:16:52 > 0:16:56In this case, they think Mr A paid the other driver to agree to
0:16:56 > 0:16:59being crashed into so that he could put in a claim for thousands from
0:16:59 > 0:17:01Mr A's insurance company.
0:17:01 > 0:17:04It was believed that, if esure had paid out,
0:17:04 > 0:17:07Mr A would get a large cut.
0:17:07 > 0:17:13Esure refused to pay out the £8,250, but the driver, perhaps under
0:17:13 > 0:17:18pressure from Mr A, was insistent, and he took esure to court.
0:17:18 > 0:17:21The driver of the vehicle Mr A had crashed into
0:17:21 > 0:17:24found himself in front of a judge.
0:17:24 > 0:17:27At trial, the claimant was cross-examined thoroughly
0:17:27 > 0:17:28by a barrister.
0:17:28 > 0:17:33His evidence was completely undermined and began to unravel.
0:17:33 > 0:17:37The claimant gave evidence as to his route on the day of the accident.
0:17:37 > 0:17:41He had suggested he was going from a shopping centre to his own house.
0:17:41 > 0:17:45The judge, knowing the area well, was able to identify,
0:17:45 > 0:17:46after hearing our evidence,
0:17:46 > 0:17:49that this route was extremely unlikely and would have taken
0:17:49 > 0:17:53the claimant away from the route that he should have been travelling.
0:17:53 > 0:17:55There were other inconsistencies
0:17:55 > 0:17:57in the driver's account of the accident.
0:17:57 > 0:18:00And, for the judge, the case was clear-cut.
0:18:00 > 0:18:04The judge found that this claim was fundamentally dishonest
0:18:04 > 0:18:08and the case was riddled with inconsistencies.
0:18:08 > 0:18:12There was no way that the judge believed any aspects
0:18:12 > 0:18:14of the claim that was pursued.
0:18:15 > 0:18:17The driver of the car didn't receive a penny
0:18:17 > 0:18:22of the £8,250 he was claiming. But the judge went further,
0:18:22 > 0:18:28ordering him to pay £13,000 to esure, to cover their costs.
0:18:32 > 0:18:35OK, let's return to North London now, where Ifed are continuing
0:18:35 > 0:18:38to search the home of Rehman and Shagufta Khan,
0:18:38 > 0:18:41who are suspected of making no less
0:18:41 > 0:18:44than 245 fraudulent health insurance claims.
0:18:44 > 0:18:48So far, officers have seized several items, including laptops
0:18:48 > 0:18:52and memory sticks, which could all be key in proving the Khans' guilt.
0:18:52 > 0:18:55Crucially, they also found a rubber stamp that they believe
0:18:55 > 0:18:59was being used by the Khans to make their fake invoices look real.
0:19:01 > 0:19:03We have a "paid" one.
0:19:03 > 0:19:06- Can have that. You got a bag with you?- Yeah.
0:19:06 > 0:19:10So I'm going to seize them as evidence of the offence.
0:19:10 > 0:19:11The operation's gone well.
0:19:11 > 0:19:14But there's still more work to be done, as the team that raided
0:19:14 > 0:19:17the other property made an interesting discovery that
0:19:17 > 0:19:19needs to be investigated.
0:19:19 > 0:19:23We've found details of a safety deposit box here.
0:19:24 > 0:19:28The Khans are being taken to the police station for questioning.
0:19:28 > 0:19:29After obtaining a warrant,
0:19:29 > 0:19:33another team head off to check out the deposit box.
0:19:35 > 0:19:38Traditionally, items of high value are stored in these boxes,
0:19:38 > 0:19:44so the Ifed team are keen to discover exactly what's inside.
0:19:44 > 0:19:47It would appear that we've got items of jewellery.
0:19:49 > 0:19:52Little ingots here, look. Fine gold, 10g. Ten-gram ingots, look.
0:19:52 > 0:19:54We will be seizing all of this.
0:19:54 > 0:19:59The box is packed full of items which look to be very valuable
0:19:59 > 0:20:00and could be vital evidence
0:20:00 > 0:20:03in the investigation against Mr and Mrs Khan.
0:20:03 > 0:20:06This haul could be worth a fortune.
0:20:06 > 0:20:08Until we get that appraised,
0:20:08 > 0:20:10we're not going to know exactly what the value of that is.
0:20:10 > 0:20:12But it will be very interesting, because, obviously,
0:20:12 > 0:20:16they're going to have to account for those items.
0:20:16 > 0:20:19And they're going to have to prove to us that those items were obtained
0:20:19 > 0:20:22legitimately and not as the result of any criminal activity.
0:20:22 > 0:20:25Unfortunately, the Khans were unwilling to assist the police
0:20:25 > 0:20:28in their investigations, as Simon Styles recalls.
0:20:31 > 0:20:33Both Mr and Mrs Khan were arrested and taken to
0:20:33 > 0:20:36a local police station, where they were later interviewed.
0:20:36 > 0:20:38They gave various different accounts of it,
0:20:38 > 0:20:41but no admissions relating to what they had actually done.
0:20:41 > 0:20:45Apart from setting up adjustment policies and making claims.
0:20:45 > 0:20:49But they were in denial and, unfortunately,
0:20:49 > 0:20:52it meant that we were doing a lot more work than we needed to do.
0:20:55 > 0:20:58Two years later, and it's the day Simon Styles and his team
0:20:58 > 0:21:02have been waiting for - the Khans are at the Old Bailey.
0:21:02 > 0:21:05To get to today, the day of sentencing,
0:21:05 > 0:21:08has meant that a lot of hard work has been undertaken by Ifed.
0:21:08 > 0:21:12These individuals were arrested in January, 2014,
0:21:12 > 0:21:16so it's taken over two years to get where we are.
0:21:16 > 0:21:19The investigation was much bigger and lengthier,
0:21:19 > 0:21:22due to Shagufta and Rehmen Khan saying "no comment"
0:21:22 > 0:21:24in two interviews that took place post-arrest.
0:21:26 > 0:21:30There was 25 individual companies that had to be spoken to
0:21:30 > 0:21:32and statements taken from them.
0:21:32 > 0:21:36I looked at maybe ten or 11 bank accounts belonging to the
0:21:36 > 0:21:38Khan family, to see where the money had gone to.
0:21:38 > 0:21:40So, it was an extensive investigation
0:21:40 > 0:21:43and a lot of painstaking work went into it.
0:21:43 > 0:21:47But this hard work paid off.
0:21:47 > 0:21:50The haul of jewellery found in the safety deposit box
0:21:50 > 0:21:51proved to be a red herring.
0:21:51 > 0:21:54However, the evidence the team found during the raids and the
0:21:54 > 0:21:58strength of the case Ifed put together against Rehman and Shagufta
0:21:58 > 0:22:03Khan was overwhelming and the couple did eventually admit their guilt.
0:22:03 > 0:22:07I've just come out from the Central Criminal Court, Court 2,
0:22:07 > 0:22:09where Rehman and Shagufta Khan
0:22:09 > 0:22:12were given 12 months' prison sentence.
0:22:12 > 0:22:16The judge said because of the length of time that they'd actually
0:22:16 > 0:22:18committed these offences, which was over ten-year period,
0:22:18 > 0:22:22and nearly £19,000 they stole, the judge said he had no choice
0:22:22 > 0:22:25but to give them a period of imprisonment.
0:22:25 > 0:22:28There's one final bizarre twist to this tale.
0:22:28 > 0:22:31The Khans obviously thought that if they were to pay most
0:22:31 > 0:22:34of the money back, the judge would go easy on them.
0:22:34 > 0:22:35He didn't.
0:22:35 > 0:22:39But the couple had already handed Simon a large wad of cash.
0:22:39 > 0:22:40It is very, very unusual.
0:22:40 > 0:22:43I've never seen that before and never heard of it happening.
0:22:43 > 0:22:46It's £15,000. I'm leaving here now to bank it and that goes back
0:22:46 > 0:22:50to the victim of crime. And that is great news.
0:22:50 > 0:22:53An excellent result.
0:22:53 > 0:22:57Simplyhealth will be getting most of their money back and the
0:22:57 > 0:23:03fraudsters who stole £18,500 from them over ten years are behind bars.
0:23:11 > 0:23:15Now, I consider myself to be pretty relaxed behind the wheel,
0:23:15 > 0:23:19but even I can feel the rage start to bubble
0:23:19 > 0:23:20when I see roadworks approaching.
0:23:20 > 0:23:24The inevitable lane closures, temporary lights that take an age
0:23:24 > 0:23:27to change and, worst of all, traffic jams.
0:23:27 > 0:23:30But imagine if, while stuck in roadworks traffic,
0:23:30 > 0:23:32you were hit by a ten-tonne bus.
0:23:36 > 0:23:39Lee Ingram works as a claims team manager for FirstGroup.
0:23:39 > 0:23:43With a fleet of over 6,300 buses
0:23:43 > 0:23:45driving around 40 UK cities,
0:23:45 > 0:23:47there's bound to be the odd accident.
0:23:47 > 0:23:50And it is Lee's job to manage the claims that come in.
0:23:50 > 0:23:54He recalls a case involving an accident which took place
0:23:54 > 0:23:56at some dreaded roadworks.
0:23:56 > 0:24:00The claimant in this case is saying that, as they were stationary,
0:24:00 > 0:24:03waiting to merge in at roadworks, we've gone past them
0:24:03 > 0:24:05and collided with their stationary vehicle.
0:24:05 > 0:24:08So, essentially, we've changed lanes into their car.
0:24:08 > 0:24:10A clear-cut case, then.
0:24:10 > 0:24:14If the car was stationary, then the bus driver must be at fault.
0:24:14 > 0:24:15FirstGroup would have to pay out.
0:24:15 > 0:24:18When the repair invoice actually came in,
0:24:18 > 0:24:21we're looking at a really minor scuff to the car.
0:24:21 > 0:24:23Slight damage to a wheel trim.
0:24:23 > 0:24:27And the bus, the cost of possibly polishing out a scuff
0:24:27 > 0:24:32on the paintwork and £4 for a new bottle of white spirit.
0:24:32 > 0:24:35The repair costs were so low to both vehicles that even
0:24:35 > 0:24:38a bottle of white spirit had been listed.
0:24:38 > 0:24:41So, imagine Lee's shock when the people in the car
0:24:41 > 0:24:43said they'd been badly injured.
0:24:43 > 0:24:46Something about the claim smelt a bit off.
0:24:46 > 0:24:50Despite what would appear to be a fairly-innocuous collision,
0:24:50 > 0:24:55we still received a claim in the value of around about £10,000,
0:24:55 > 0:24:57which would have been for the injuries themselves
0:24:57 > 0:24:59and solicitors' fees.
0:24:59 > 0:25:01You may be wondering how they got to such
0:25:01 > 0:25:05a large amount of money for such a tiny collision.
0:25:05 > 0:25:08Well, it was because the car driver and passenger were claiming
0:25:08 > 0:25:10they had suffered whiplash injuries -
0:25:10 > 0:25:14bad back and neck pains from the impact of the bus.
0:25:14 > 0:25:16Lee wasn't entirely convinced
0:25:16 > 0:25:20and with nearly every one of his buses fitted with CCTV,
0:25:20 > 0:25:23he knew he could take a look at the footage, to help him
0:25:23 > 0:25:26understand exactly what had happened.
0:25:26 > 0:25:30When we look at the CCTV, we're expecting to see
0:25:30 > 0:25:35a bus striking into the side of a stationary car, causing it to move.
0:25:36 > 0:25:38For someone to have whiplash injuries, there will have had
0:25:38 > 0:25:41to have been a moment of impact between the two vehicles.
0:25:41 > 0:25:45So, Lee was on the hunt for the footage which showed this.
0:25:45 > 0:25:47Here comes the bus now.
0:25:47 > 0:25:51I mean, it's just going to brush the wing of this vehicle.
0:25:51 > 0:25:54Now, look for movement in the vehicle, because if you can see it,
0:25:54 > 0:25:58can you let me know? Because I can't see that vehicle move.
0:25:58 > 0:26:00So, I don't think it happens.
0:26:00 > 0:26:02And if there's no movement in that car,
0:26:02 > 0:26:05then I don't know how either of those people are injured.
0:26:05 > 0:26:07But there was something else seen in the footage
0:26:07 > 0:26:10that turned the injury claim into one big joke.
0:26:10 > 0:26:13If you watch this man closely,
0:26:13 > 0:26:16he has put in a claim for soft tissue injuries
0:26:16 > 0:26:19to his shoulders and his neck.
0:26:19 > 0:26:23And yet, he doesn't stop, sort of, flapping and gesticulating.
0:26:23 > 0:26:27He's moving, he's pacing around. He's very agitated.
0:26:27 > 0:26:31I watched this back at triple speed and I could hear the Benny Hill
0:26:31 > 0:26:33music playing in the background.
0:26:33 > 0:26:35MUSIC: BENNY HILL SHOW THEME
0:26:44 > 0:26:47No wonder he's injured. I was exhausted just watching him.
0:26:47 > 0:26:52Not only did the CCTV show that it was unlikely that the driver and
0:26:52 > 0:26:56passenger had suffered any serious injuries, it also went further
0:26:56 > 0:27:00to show that, actually, the bus driver didn't do anything wrong.
0:27:00 > 0:27:03Throughout this claim, the third party's solicitors were alleging
0:27:03 > 0:27:07that we'd changed lanes into their client's stationary vehicle.
0:27:07 > 0:27:11When we look back at the CCTV footage, we can clearly see
0:27:11 > 0:27:14that the bus has just continued on its straight course.
0:27:14 > 0:27:17But, due to the position of the roadworks,
0:27:17 > 0:27:19the vehicles do actually come together.
0:27:19 > 0:27:22But there's certainly no sudden veering from the direction
0:27:22 > 0:27:24the bus was travelling in.
0:27:24 > 0:27:28The footage had brought the entire claim to a grinding halt.
0:27:28 > 0:27:32We had already received a claim for the repairs to the car
0:27:32 > 0:27:33from their insurers.
0:27:33 > 0:27:37Once we'd seen the CCTV footage, we sent it on to them, told them
0:27:37 > 0:27:41what it showed, and we promptly received a reimbursing cheque
0:27:41 > 0:27:46for the bottle of white spirit and the damage caused to our bus.
0:27:46 > 0:27:50He even got the money back for the turps,
0:27:50 > 0:27:53which must have boosted Lee's spirits no end.
0:27:57 > 0:28:01From people chancing their luck, by exaggerating their injuries,
0:28:01 > 0:28:03to organised criminal gangs,
0:28:03 > 0:28:06insurance fraud hits all of us in the pocket.
0:28:06 > 0:28:08But instead of getting away with it,
0:28:08 > 0:28:13more and more of these fraudsters are being claimed and shamed.