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Insurance fraud has reached epidemic levels in the UK. | 0:00:05 | 0:00:09 | |
It's costing us more than £1.3 billion every year. | 0:00:09 | 0:00:14 | |
That's almost 3.6 million every day. | 0:00:14 | 0:00:17 | |
Deliberate crashes, bogus personal injuries, even phantom pets... | 0:00:19 | 0:00:24 | |
..the fraudsters are risking more and more to make a quick killing, | 0:00:25 | 0:00:29 | |
and every year, it's adding around £50 to your insurance bill. | 0:00:29 | 0:00:33 | |
But insurers are fighting back, | 0:00:33 | 0:00:35 | |
exposing just under 15 fake claims every hour. | 0:00:35 | 0:00:39 | |
Armed with covert surveillance systems... | 0:00:39 | 0:00:42 | |
Subject out of vehicle. | 0:00:42 | 0:00:43 | |
..sophisticated data analysis techniques... | 0:00:43 | 0:00:46 | |
..and a number of highly-skilled police units... | 0:00:48 | 0:00:51 | |
Police, don't move! Stay where you are! | 0:00:51 | 0:00:53 | |
..they're catching the criminals red-handed. | 0:00:53 | 0:00:55 | |
Just don't lie to us. | 0:00:55 | 0:00:57 | |
All those conmen, scammers and cheats on the fiddle | 0:00:57 | 0:01:01 | |
are now caught in the act... | 0:01:01 | 0:01:03 | |
and claimed and shamed. | 0:01:03 | 0:01:04 | |
Ifed raid the home of a suspected fraudster. | 0:01:12 | 0:01:15 | |
Not commonplace to keep laptops in your bathroom, is it? | 0:01:15 | 0:01:19 | |
..and CCTV catches out a would-be fraudster | 0:01:21 | 0:01:24 | |
eyeing up an opportunity to make some easy money... | 0:01:24 | 0:01:27 | |
That, to us, could look like he was searching for a suitable trip point. | 0:01:27 | 0:01:32 | |
..and a professional horse rider, | 0:01:32 | 0:01:33 | |
who claims an accident left her unable to ride, | 0:01:33 | 0:01:36 | |
puts in an award-winning performance. | 0:01:36 | 0:01:40 | |
All sorts of things can affect how much your car insurance will cost. | 0:01:51 | 0:01:55 | |
Do you a garage? What do you do for a living? How old are you? | 0:01:55 | 0:01:58 | |
One big factor, though, is location, location, location. | 0:01:58 | 0:02:02 | |
If you live on an inner-city street with high rates of car crime, | 0:02:02 | 0:02:05 | |
you are going to pay a lot more for you car insurance | 0:02:05 | 0:02:08 | |
than if you live in a remote village where cars might break down but are rarely broken into. | 0:02:08 | 0:02:12 | |
It's all about risk. | 0:02:12 | 0:02:16 | |
Unfortunately, there are those out there who try to bypass this risk | 0:02:16 | 0:02:20 | |
factor in order to make money. | 0:02:20 | 0:02:22 | |
A ghost broker is a middleman who will sell someone a policy | 0:02:23 | 0:02:27 | |
but then lie to the insurance providers about their details. | 0:02:27 | 0:02:31 | |
So they might say a person lived in rural Hampshire | 0:02:31 | 0:02:34 | |
when really they live in the city centre. | 0:02:34 | 0:02:37 | |
They'll buy a very cheap policy, then sell it on for a tidy profit. | 0:02:37 | 0:02:42 | |
However, the cover is worthless, | 0:02:42 | 0:02:44 | |
as many of the driver's details are totally made up. | 0:02:44 | 0:02:48 | |
That driver will think they're insured, but if they try and claim, | 0:02:48 | 0:02:52 | |
they'll soon find out that their policy is invalid. | 0:02:52 | 0:02:55 | |
It is, of course, totally illegal, but something that Tom Gardiner, | 0:02:58 | 0:03:02 | |
head of fraud at Aviva, has seen too many times. | 0:03:02 | 0:03:06 | |
This type of insurance fraud is particularly abhorrent because | 0:03:06 | 0:03:11 | |
it exploits and preys on the most vulnerable people in society. | 0:03:11 | 0:03:17 | |
They're sold policies and insurance which, when they need them, are worthless. | 0:03:17 | 0:03:22 | |
And everybody else is paying additional premiums because of | 0:03:22 | 0:03:25 | |
this type of activity. | 0:03:25 | 0:03:27 | |
Back in 2013, the team at Aviva started getting suspicious | 0:03:29 | 0:03:33 | |
that they were being targeted by a ghost broker. | 0:03:33 | 0:03:35 | |
What alerted us was when we tied a number of motor insurance policies | 0:03:38 | 0:03:43 | |
to just three bank accounts, | 0:03:43 | 0:03:45 | |
and things unravelled quickly from there. | 0:03:45 | 0:03:47 | |
Eventually, we were able to link over 150 policies to the same scam. | 0:03:47 | 0:03:53 | |
Tom and his team investigated the three bank accounts | 0:03:54 | 0:03:57 | |
that had been used on all these policies. | 0:03:57 | 0:04:00 | |
This led them to one name - Mr Maur Dumitru. | 0:04:00 | 0:04:03 | |
They quickly established exactly what they thought he'd been up to. | 0:04:06 | 0:04:09 | |
What Dumitru was doing, | 0:04:10 | 0:04:12 | |
alongside his job as a scrap metal worker in Manchester, | 0:04:12 | 0:04:16 | |
was taking out bogus motor insurance policies with Aviva | 0:04:16 | 0:04:21 | |
for friends and family, | 0:04:21 | 0:04:23 | |
he was deliberately grossly misrepresenting those policies | 0:04:23 | 0:04:28 | |
to get cheap cover. | 0:04:28 | 0:04:30 | |
These policies were entirely worthless to the people | 0:04:30 | 0:04:33 | |
that he was acting for. | 0:04:33 | 0:04:34 | |
One of the big things that Dumitru would lie about was where the people | 0:04:36 | 0:04:39 | |
he was getting policies for lived. | 0:04:39 | 0:04:42 | |
Manchester is an expensive place to get your car insured, | 0:04:43 | 0:04:47 | |
so he would say that they lived in the Scottish Highlands. | 0:04:47 | 0:04:51 | |
But he didn't always do his research particularly thoroughly. | 0:04:51 | 0:04:55 | |
In one instance, Dumitru had taken out 62 policies in a street | 0:04:55 | 0:05:01 | |
that only had 28 residences. | 0:05:01 | 0:05:04 | |
It was abundantly clear to Tom and his team | 0:05:04 | 0:05:07 | |
that they'd found their ghost broker. | 0:05:07 | 0:05:09 | |
Once we'd connected all of the policies to Dumitru, | 0:05:10 | 0:05:14 | |
we put together an evidence pack and handed it out over to Ifed. | 0:05:14 | 0:05:19 | |
The Insurance Fraud Enforcement Department, or Ifed, | 0:05:19 | 0:05:22 | |
is a specialist police unit | 0:05:22 | 0:05:24 | |
dedicated to tackling insurance fraud. | 0:05:24 | 0:05:26 | |
They'll use their expertise, detective work | 0:05:28 | 0:05:30 | |
and financial investigation to come after anyone committing | 0:05:30 | 0:05:33 | |
insurance fraud, be it for a few pounds or several million. | 0:05:33 | 0:05:37 | |
Sergeant Steven Holland and other Ifed officers picked up the case | 0:05:39 | 0:05:42 | |
from Aviva and wasted no time in starting their investigations. | 0:05:42 | 0:05:46 | |
Ifed immediately began research into Mr Dumitru's bank accounts to see if | 0:05:47 | 0:05:53 | |
money was going in and out to Aviva. | 0:05:53 | 0:05:56 | |
We also checked computer and telephone records | 0:05:56 | 0:05:59 | |
to see if any communication between himself and Aviva was happening | 0:05:59 | 0:06:04 | |
so we could substantiate the claims. | 0:06:04 | 0:06:07 | |
The police needed to prove indisputably | 0:06:07 | 0:06:10 | |
that Dumitru was the ghost broker. | 0:06:10 | 0:06:13 | |
And it didn't take long for this proof to emerge. | 0:06:13 | 0:06:17 | |
The key piece of evidence that we used was the computer, | 0:06:17 | 0:06:21 | |
and being able to trace the address of the computer | 0:06:21 | 0:06:24 | |
and some reasonably basic checks revealed Mr Dumitru's home address. | 0:06:24 | 0:06:29 | |
The police had all they needed. | 0:06:29 | 0:06:32 | |
They knew that Mr Dumitru's home computer | 0:06:32 | 0:06:34 | |
had been the one used to set up all of those policies. | 0:06:34 | 0:06:37 | |
All they needed to do now was to go out and arrest him. | 0:06:37 | 0:06:41 | |
It's 7am, and two of Ifed's finest, Detective Sergeant Tom Hill | 0:06:47 | 0:06:51 | |
and Detective Chief Inspector David Wood, | 0:06:51 | 0:06:53 | |
are on their way to Dumitru's house to apprehend him. | 0:06:53 | 0:06:57 | |
So, we've got a search warrant to search and we'll seize computer | 0:06:58 | 0:07:02 | |
equipment and mobile phones that we believe were used | 0:07:02 | 0:07:06 | |
to take out the policies. | 0:07:06 | 0:07:09 | |
A raid like this is always tense. | 0:07:09 | 0:07:12 | |
On any knock like this, we like to get in as quick as we can. | 0:07:12 | 0:07:15 | |
It's very important for all sorts of reasons - | 0:07:15 | 0:07:19 | |
officer safety, safety of the occupants, | 0:07:19 | 0:07:21 | |
and also for securing evidence - | 0:07:21 | 0:07:24 | |
that we go in quick, enter and take control of the premises. | 0:07:24 | 0:07:28 | |
David makes sure that all his team are ready for action. | 0:07:28 | 0:07:31 | |
What we're doing now is we're all getting in position, | 0:07:32 | 0:07:35 | |
we've got officers covering the back, should anyone try and get away, | 0:07:35 | 0:07:38 | |
or any evidence get discarded from the back of the property. | 0:07:38 | 0:07:41 | |
And then, once we're ready, we'll start knocking on the door. | 0:07:41 | 0:07:45 | |
-Open the door. -Hello, police. | 0:07:45 | 0:07:48 | |
Open the door, please. | 0:07:48 | 0:07:49 | |
Police. | 0:07:51 | 0:07:53 | |
There definitely seems to be someone home, | 0:07:53 | 0:07:56 | |
but it takes a while for them to open up. | 0:07:56 | 0:07:58 | |
-Morning. -Morning. | 0:08:00 | 0:08:01 | |
Police officers. We've got a search warrant for your address. | 0:08:01 | 0:08:04 | |
It's a result for the team. | 0:08:06 | 0:08:08 | |
Dumitru is in. | 0:08:08 | 0:08:10 | |
We're City of London Police... | 0:08:10 | 0:08:12 | |
Once inside, Ifed begin their search of the property. | 0:08:13 | 0:08:18 | |
-Do you speak English? -Yes, a little. | 0:08:18 | 0:08:20 | |
OK, we have a search warrant, | 0:08:20 | 0:08:23 | |
so we've got a warrant to search this address. | 0:08:23 | 0:08:25 | |
Do you understand? | 0:08:25 | 0:08:27 | |
The court have issued a warrant that allows us to search this address. | 0:08:27 | 0:08:31 | |
The police need to understand everything the suspect is saying, | 0:08:33 | 0:08:36 | |
as it could be relevant to their case. | 0:08:36 | 0:08:39 | |
Dumitru might be talking about something that will affect Ifed's search of the property. | 0:08:41 | 0:08:45 | |
With no way of knowing, Tom has to interject. | 0:08:45 | 0:08:48 | |
Do you mind... Just stop a minute. | 0:08:48 | 0:08:51 | |
Do you mind just speaking in English? Just speak in English. OK? | 0:08:51 | 0:08:54 | |
-Otherwise, we'll just take one of you to the car and... -OK, OK. | 0:08:54 | 0:08:57 | |
That's all right. | 0:08:57 | 0:08:58 | |
Upstairs, there's been a development. | 0:08:58 | 0:09:02 | |
We've found a lot of laptops. | 0:09:03 | 0:09:06 | |
It's not commonplace to keep laptops in your bathroom, is it? | 0:09:06 | 0:09:11 | |
And that find seems to spark many more. | 0:09:13 | 0:09:16 | |
They've found... | 0:09:19 | 0:09:21 | |
a pile of laptops in the wardrobe, so we will seize them. | 0:09:21 | 0:09:25 | |
Crucial to any Ifed investigation is to examine financial paperwork | 0:09:27 | 0:09:32 | |
to look for anything suspicious. | 0:09:32 | 0:09:35 | |
On one day, there are five separate payments | 0:09:35 | 0:09:37 | |
to the one insurance company, each going out... | 0:09:37 | 0:09:40 | |
sums between 40, 50, £60. | 0:09:40 | 0:09:43 | |
That is highly unusual and wouldn't normally happen | 0:09:43 | 0:09:45 | |
on a genuine policyholder's account. | 0:09:45 | 0:09:49 | |
So we've got five separate payments going out. | 0:09:49 | 0:09:52 | |
It's very good evidence for us. | 0:09:52 | 0:09:54 | |
In addition to the frequent payments to the insurance company, | 0:09:54 | 0:09:57 | |
there's also sums of money being deposited into the account. | 0:09:57 | 0:10:01 | |
Several deposits of £1,200, £150, £800. | 0:10:01 | 0:10:07 | |
So there's money coming into the account, which we suspect to be from | 0:10:07 | 0:10:11 | |
people that are buying the bogus policies from these suspects. | 0:10:11 | 0:10:16 | |
Busy bank account she's got there. | 0:10:17 | 0:10:21 | |
With the search complete, Ifed take Dumitru, | 0:10:21 | 0:10:23 | |
along with all the evidence seized at his house, back to the station. | 0:10:23 | 0:10:27 | |
Ifed had their man. | 0:10:29 | 0:10:31 | |
We interviewed Mr Dumitru and in that interview, | 0:10:31 | 0:10:34 | |
he stated that he believed he wasn't doing anything wrong. | 0:10:34 | 0:10:37 | |
And that the money going into his account, | 0:10:37 | 0:10:39 | |
that we had called a setting up fee, was actually just a cash present. | 0:10:39 | 0:10:44 | |
Ifed had more than enough evidence to charge Dumitru, | 0:10:44 | 0:10:48 | |
in spite of his attempts to brush off the allegations with outrageous lies. | 0:10:48 | 0:10:52 | |
But he wasn't going to go down without a fight. | 0:10:52 | 0:10:55 | |
Still to come, Mr Dumitru becomes... | 0:10:57 | 0:11:00 | |
a wanted man. | 0:11:00 | 0:11:03 | |
He then failed to attend court and effectively went on the run. | 0:11:03 | 0:11:07 | |
And a warrant was then issued for his arrest. | 0:11:07 | 0:11:09 | |
Now, if I was a singer, | 0:11:15 | 0:11:17 | |
I might consider getting my voice box insured, | 0:11:17 | 0:11:19 | |
or a boxer, my fists. | 0:11:19 | 0:11:21 | |
Dancer on Strictly, twinkle toes. | 0:11:21 | 0:11:24 | |
In fact, most sports people do decide to pay for extra insurance | 0:11:24 | 0:11:28 | |
to cover themselves in case of injury. | 0:11:28 | 0:11:30 | |
You can't earn money when you're out of the game. | 0:11:30 | 0:11:33 | |
Claire Mitten from i-Cog Claims Management remembers a recent case | 0:11:35 | 0:11:38 | |
involving a professional horse rider. | 0:11:38 | 0:11:41 | |
The claim came to us as a medical claim. | 0:11:41 | 0:11:44 | |
The insured had been on a horse, she dismounted the horse, | 0:11:44 | 0:11:47 | |
and as she did so, she turned her body at such an angle | 0:11:47 | 0:11:50 | |
that she twisted the muscles in her back and caused herself severe pain. | 0:11:50 | 0:11:54 | |
Sounds very unpleasant indeed, and the effects of such an injury on a | 0:11:54 | 0:11:58 | |
professional sportswoman were considerable. | 0:11:58 | 0:12:02 | |
The insured advised us that she was classified as totally disabled, | 0:12:02 | 0:12:06 | |
which basically meant she couldn't carry out her everyday activities. | 0:12:06 | 0:12:10 | |
She wasn't able to compete, | 0:12:10 | 0:12:11 | |
so therefore she was losing money at the same time. | 0:12:11 | 0:12:13 | |
Claire rang up the horse rider to hear about the accident first-hand. | 0:12:15 | 0:12:18 | |
The rider's account of the accident sounded grim and very painful. | 0:12:57 | 0:13:02 | |
However, Claire and the team at i-Cog have a vast amount of knowledge of patterns of behaviour | 0:13:02 | 0:13:07 | |
when someone's had a traumatic injury. | 0:13:07 | 0:13:09 | |
And for Claire, there was already cause for suspicion in this rider's story. | 0:13:09 | 0:13:14 | |
So, as soon as the injury happened, | 0:13:14 | 0:13:16 | |
the insured said the pain was so severe that it was ten out of ten. | 0:13:16 | 0:13:20 | |
She still didn't feel the need to phone an ambulance or a doctor. | 0:13:20 | 0:13:25 | |
For somebody that's stating that their injury is ten out of ten | 0:13:25 | 0:13:28 | |
and so severe, as she did, | 0:13:28 | 0:13:30 | |
the first port of call would be to phone an ambulance and get yourself | 0:13:30 | 0:13:32 | |
to A&E to get checked out, especially with a back injury. | 0:13:32 | 0:13:36 | |
No, no. No. | 0:13:51 | 0:13:52 | |
Two uncomfortable weeks later, | 0:13:55 | 0:13:58 | |
the rider finally went to hospital and stayed overnight. | 0:13:58 | 0:14:01 | |
During that time, she received painkiller injections in her back. | 0:14:01 | 0:14:04 | |
So the horse rider admitted that just a couple of weeks after her injury, | 0:15:01 | 0:15:05 | |
she went to France for a competition. | 0:15:05 | 0:15:07 | |
This was clearly something she shouldn't have done when claiming | 0:15:07 | 0:15:11 | |
for total disablement, which included all loss of earnings. | 0:15:11 | 0:15:15 | |
But the rider insisted it was a one-off. | 0:15:15 | 0:15:18 | |
Unbeknownst to the claimant, | 0:16:15 | 0:16:17 | |
the i-Cog team had done some background research and they knew | 0:16:17 | 0:16:21 | |
she was taking them for a ride. | 0:16:21 | 0:16:23 | |
Claire had found evidence that the rider had competed just three days | 0:17:49 | 0:17:53 | |
after her fall off the horse. | 0:17:53 | 0:17:55 | |
Yet, for months, she had been telling her insurers | 0:17:55 | 0:17:58 | |
she couldn't ride at all. | 0:17:58 | 0:18:00 | |
But it didn't end there. | 0:18:00 | 0:18:01 | |
Claire was in her stride. | 0:18:01 | 0:18:03 | |
Let's just review that last line. | 0:18:57 | 0:18:59 | |
"I have to make a living as well, you see." | 0:19:04 | 0:19:07 | |
Up till this point, the woman had said that she hadn't been able to | 0:19:07 | 0:19:10 | |
make a penny from her profession as a horse rider | 0:19:10 | 0:19:13 | |
and had been claiming for total loss of earnings. | 0:19:13 | 0:19:17 | |
For Claire, the finish line was in sight and she was odds-on favourite to win. | 0:19:17 | 0:19:22 | |
At this point, she tried to blame it on insurers. | 0:19:32 | 0:19:35 | |
She tried to explain that when she originally rang the insurance company, | 0:19:35 | 0:19:38 | |
they told her what to tick and they told her what information to put on | 0:19:38 | 0:19:41 | |
the claim form. This wasn't the case. | 0:19:41 | 0:19:43 | |
We'd already checked this out with the insurance company. | 0:19:43 | 0:19:46 | |
She was just trying to get as much money out of them as she possibly could at this point. | 0:19:46 | 0:19:49 | |
A success for Claire and the team at i-Cog. | 0:20:04 | 0:20:07 | |
Lying to your insurer makes your whole claim invalid, | 0:20:07 | 0:20:11 | |
so i-Cog recommended the rider received no further payments | 0:20:11 | 0:20:14 | |
and that she should also pay back the money for her hospital stay, | 0:20:14 | 0:20:18 | |
which she would have been entitled to, if only she'd stuck to the truth. | 0:20:18 | 0:20:22 | |
Now, I, like most people, | 0:20:27 | 0:20:29 | |
despair at over-the-top health and safety policies. | 0:20:29 | 0:20:32 | |
I mean, who doesn't mind their head? | 0:20:32 | 0:20:34 | |
Most of the time, anyway. | 0:20:34 | 0:20:36 | |
But if you're a shop owner and someone slips over on your wet floor | 0:20:36 | 0:20:40 | |
or trips on something you should have got fixed | 0:20:40 | 0:20:42 | |
and it was deemed to be your fault, | 0:20:42 | 0:20:44 | |
it can be very expensive to sort out. | 0:20:44 | 0:20:47 | |
For shopkeepers, taking out public liability insurance means that if | 0:20:47 | 0:20:50 | |
they do have to pay out on a claim for personal injury, | 0:20:50 | 0:20:53 | |
it's not quite so bad for business. | 0:20:53 | 0:20:56 | |
Allianz are an insurance provider that looks after many businesses and shops. | 0:20:56 | 0:21:02 | |
It's Mihir Pandya's job to deal with the claims that come in. | 0:21:02 | 0:21:06 | |
He recalls a case involving one of his clients. | 0:21:07 | 0:21:11 | |
We received our first notification of the claim in July 2013 when our | 0:21:11 | 0:21:16 | |
policyholder, who owns a small petrol station, | 0:21:16 | 0:21:19 | |
told us that he'd received a letter suggesting that somebody had tripped | 0:21:19 | 0:21:24 | |
on a cover outside on the forecourt. | 0:21:24 | 0:21:27 | |
The individual concerned sustained injuries to his neck, | 0:21:27 | 0:21:32 | |
back and shoulders. | 0:21:32 | 0:21:34 | |
With a claim this serious, the team at Allianz needed to see | 0:21:35 | 0:21:39 | |
any evidence of a potential trip hazard for themselves. | 0:21:39 | 0:21:42 | |
As is standard procedure in these types of claims, | 0:21:45 | 0:21:47 | |
we instructed one of our claims investigators | 0:21:47 | 0:21:51 | |
to go and talk to anyone who might be working at the petrol station | 0:21:51 | 0:21:55 | |
on the day in question, | 0:21:55 | 0:21:57 | |
to take photographs of the forecourt, | 0:21:57 | 0:21:59 | |
and just get a general feel of the circumstances. | 0:21:59 | 0:22:02 | |
They found there was a manhole on the forecourt | 0:22:03 | 0:22:06 | |
with a badly laid cover. | 0:22:06 | 0:22:08 | |
At this point in their investigations, | 0:22:10 | 0:22:13 | |
Allianz received a full written statement from the claimant, | 0:22:13 | 0:22:16 | |
outlining just how badly he'd been injured. | 0:22:16 | 0:22:19 | |
The claimant indicated that he was hurt to the point where he could not | 0:22:21 | 0:22:25 | |
walk home unaided, so therefore called a friend to come | 0:22:25 | 0:22:29 | |
and pick him up from the forecourt. | 0:22:29 | 0:22:31 | |
The man was claiming £2,500 in compensation. | 0:22:31 | 0:22:36 | |
And it seemed indisputable that the petrol station owner was at fault. | 0:22:36 | 0:22:41 | |
However, there was a twist. | 0:22:41 | 0:22:43 | |
The owner was adamant that no such fall had ever taken place. | 0:22:43 | 0:22:47 | |
Lucky for us, | 0:22:48 | 0:22:49 | |
it turned out that the owner of the petrol station had retained | 0:22:49 | 0:22:53 | |
CCTV footage for the day in question. | 0:22:53 | 0:22:56 | |
The team at Allianz spied the man in question at the premises | 0:23:01 | 0:23:04 | |
on that fateful day. | 0:23:04 | 0:23:06 | |
He's the one wearing the blue T-shirt, | 0:23:07 | 0:23:10 | |
and arrives with two other people. | 0:23:10 | 0:23:12 | |
What we have are three individuals crossing the forecourt... | 0:23:12 | 0:23:16 | |
..and they enter the petrol station... | 0:23:18 | 0:23:20 | |
..and they purchase cans of drink | 0:23:21 | 0:23:24 | |
and then they leave the petrol station and disappear. | 0:23:24 | 0:23:27 | |
Seemingly, the most dramatic thing to happen to the man that day was | 0:23:29 | 0:23:32 | |
buying a can of fizzy pop. | 0:23:32 | 0:23:34 | |
Confused, the investigators looked more closely at the footage. | 0:23:34 | 0:23:39 | |
You can see one of them, the individual in the white T-shirt, | 0:23:39 | 0:23:42 | |
kicking the ground. | 0:23:42 | 0:23:44 | |
And that, to us, | 0:23:45 | 0:23:47 | |
could look like he was searching for a suitable trip point. | 0:23:47 | 0:23:51 | |
So perhaps the claimant's friend noticed the manhole cover, | 0:23:51 | 0:23:55 | |
then they all went into the shop to buy fizzy drinks. | 0:23:55 | 0:23:58 | |
Suddenly, an idea of how to make some easy money | 0:23:58 | 0:24:01 | |
popped into the claimant's head. | 0:24:01 | 0:24:04 | |
He could say he'd tripped over that manhole cover. | 0:24:04 | 0:24:07 | |
But he wasn't banking on the premises having CCTV cameras. | 0:24:09 | 0:24:13 | |
In his statement, the claimant tells us that he was on his own | 0:24:15 | 0:24:19 | |
and after purchasing his drink, he left the petrol station, | 0:24:19 | 0:24:23 | |
tripped over the cover, landed on his hands and knees, | 0:24:23 | 0:24:26 | |
sustained injuries, | 0:24:26 | 0:24:27 | |
and because he was on his own and he couldn't get home unaided, | 0:24:27 | 0:24:31 | |
he called a friend to come and pick him up. | 0:24:31 | 0:24:33 | |
Looking at this, complete lie. | 0:24:33 | 0:24:35 | |
The CCTV footage had brought the claimant's story | 0:24:37 | 0:24:40 | |
tumbling to the ground and, unsurprisingly, | 0:24:40 | 0:24:43 | |
Allianz decided not to pay out. | 0:24:43 | 0:24:45 | |
They did however decide to take the matter to Ifed. | 0:24:48 | 0:24:51 | |
Ifed made arrangements to call the claimant in, | 0:24:53 | 0:24:56 | |
and within the interview, | 0:24:56 | 0:24:58 | |
the claimant made a full and frank admission | 0:24:58 | 0:25:00 | |
that this was completely made up and it was an attempt | 0:25:00 | 0:25:04 | |
to defraud Allianz insurance. | 0:25:04 | 0:25:06 | |
On this occasion, Ifed gave him a police caution. | 0:25:08 | 0:25:11 | |
It's disappointing that this wasn't taken to court and the claimant | 0:25:13 | 0:25:18 | |
receiving a custodial sentence, | 0:25:18 | 0:25:19 | |
but the fact is he received a police caution, | 0:25:19 | 0:25:22 | |
that means he's got a criminal record, | 0:25:22 | 0:25:24 | |
it means it goes on the insurance fraud register and it means that | 0:25:24 | 0:25:28 | |
he's not going to be able to do that again. | 0:25:28 | 0:25:30 | |
Let's head back to the Insurance Fraud Enforcement Department, | 0:25:34 | 0:25:37 | |
who are carrying out a dawn raid on a suspected ghost broker, Mr Maur Dumitru. | 0:25:37 | 0:25:43 | |
Open the door, please. | 0:25:43 | 0:25:45 | |
Under questioning, Dumitru started to be liberal with the truth. | 0:25:45 | 0:25:49 | |
We interviewed Mr Dumitru, and in that interview, | 0:25:49 | 0:25:52 | |
he stated that he believed he wasn't doing anything wrong, | 0:25:52 | 0:25:56 | |
and that the money going into his account, | 0:25:56 | 0:25:58 | |
that we'd called a setting up fee, was actually just a cash present. | 0:25:58 | 0:26:02 | |
Ifed had work to do. | 0:26:02 | 0:26:04 | |
They had to prove beyond any reasonable doubt | 0:26:04 | 0:26:07 | |
that Dumitru was guilty. | 0:26:07 | 0:26:10 | |
Two years later, and Ifed's hard work paid off. | 0:26:10 | 0:26:14 | |
The evidence against Dumitru was irrefutable. | 0:26:14 | 0:26:18 | |
At court, Mr Dumitru pled guilty to fraud by false representation. | 0:26:18 | 0:26:22 | |
And he was due to appear at the Old Bailey in July 2015. | 0:26:22 | 0:26:26 | |
On the day of Dumitru's sentencing, | 0:26:30 | 0:26:32 | |
the judge sat waiting for him to arrive. He waited and waited. | 0:26:32 | 0:26:37 | |
Dumitru never showed up. | 0:26:38 | 0:26:41 | |
He'd gone on the run. | 0:26:41 | 0:26:42 | |
We made concerted efforts to locate Mr Dumitru. | 0:26:44 | 0:26:47 | |
With efforts from ourselves and our colleagues at Greater Manchester Police, | 0:26:49 | 0:26:53 | |
we managed to locate him and he was arrested in Manchester. | 0:26:53 | 0:26:57 | |
Dumitru went underground for nine months before the police finally | 0:26:59 | 0:27:03 | |
caught up with him. This time, they weren't taking any chances. | 0:27:03 | 0:27:07 | |
He went back to the Old Bailey the following day and was remanded in | 0:27:07 | 0:27:10 | |
custody until he was sentenced. | 0:27:10 | 0:27:13 | |
He was sentenced to 18 months for fraud by false representation, | 0:27:13 | 0:27:18 | |
and also a further two months for failing to appear in court for sentencing. | 0:27:18 | 0:27:22 | |
A great result for Ifed and for Tom and his team at Aviva, | 0:27:23 | 0:27:27 | |
who had originally spotted the fraud. | 0:27:27 | 0:27:30 | |
So, Dumitru had cost the insurance company £200,000, | 0:27:30 | 0:27:35 | |
and for his fraudulent activity, plus his failure to appear at court, | 0:27:35 | 0:27:40 | |
he is now in prison for 20 months. | 0:27:40 | 0:27:42 | |
Whether it's exaggerating real injuries, | 0:27:48 | 0:27:51 | |
totally making up a story for a dodgy claim, | 0:27:51 | 0:27:53 | |
or masterminding insurance fraud on an industrial scale, | 0:27:53 | 0:27:57 | |
insurers are coming down hard on the people who think they can make | 0:27:57 | 0:28:00 | |
a quick buck with their scams and cons. | 0:28:00 | 0:28:03 | |
But the fraudsters need to think again, | 0:28:03 | 0:28:05 | |
as more of them than ever before are being caught in the act... | 0:28:05 | 0:28:09 | |
and claimed and shamed. | 0:28:09 | 0:28:11 |