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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 | 0:00:26 | 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 | 0:00:36 | |
exposing just under 15 fake claims every hour. | 0:00:36 | 0:00:39 | |
Armed with covert surveillance systems... | 0:00:39 | 0:00:41 | |
Subject out of the vehicle. | 0:00:41 | 0:00:44 | |
..sophisticated data analysis techniques... | 0:00:44 | 0:00:46 | |
..and a number of highly-skilled police units. | 0:00:48 | 0:00:51 | |
Police! Stay where you are! | 0:00:51 | 0:00:53 | |
..they are 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 | 0:00:58 | 0:01:01 | |
are now caught in the act - and Claimed And Shamed. | 0:01:01 | 0:01:04 | |
A serving prisoner's phoney claim is easy to unlock. | 0:01:10 | 0:01:13 | |
It's not often that you're faced with evidence that's this clear | 0:01:13 | 0:01:17 | |
that someone has entirely fabricated a claim. | 0:01:17 | 0:01:21 | |
A man's expensive tastes leads to his undoing. | 0:01:21 | 0:01:24 | |
He must've had a lot of room service. That's all I'll say. | 0:01:24 | 0:01:27 | |
And an insurance company cries foul, when a footballer attempts to score | 0:01:27 | 0:01:31 | |
with a claim. | 0:01:31 | 0:01:33 | |
He also played against a rival during that four-week period, | 0:01:33 | 0:01:36 | |
in which he scored a goal. | 0:01:36 | 0:01:38 | |
When insurance fraud is committed against large, private companies, | 0:01:43 | 0:01:47 | |
it's important there are systems in place to detect it and stamp it out. | 0:01:47 | 0:01:51 | |
Otherwise, it's ultimately the customers that pay the price. | 0:01:51 | 0:01:54 | |
However, when a fraudulent attack is made on a state-run system, | 0:01:54 | 0:01:58 | |
it's arguably even more important that it's discovered | 0:01:58 | 0:02:01 | |
and stopped before any money is paid out | 0:02:01 | 0:02:05 | |
to avoid a situation where taxpayers - | 0:02:05 | 0:02:07 | |
that's you and I - are funding fraud. | 0:02:07 | 0:02:09 | |
Foston Hall in Derbyshire is a women's-only prison. | 0:02:12 | 0:02:15 | |
Joanne Riley, a litigation specialist at the prison, | 0:02:17 | 0:02:20 | |
recalls a case where one of the prisoners | 0:02:20 | 0:02:22 | |
put in a personal injury claim. | 0:02:22 | 0:02:24 | |
The initial claim was for an accident | 0:02:25 | 0:02:27 | |
that she alleged happened in her cell on D Wing. | 0:02:27 | 0:02:31 | |
She alleged that she was moving a cupboard with a cellmate | 0:02:31 | 0:02:33 | |
and, whilst moving the cupboard, | 0:02:33 | 0:02:35 | |
the uneven floor made the cupboard fall and it injured her face. | 0:02:35 | 0:02:40 | |
Her alleged injuries were quite minor. It was nothing | 0:02:40 | 0:02:43 | |
that required any hospitalisation or any time to see a doctor. | 0:02:43 | 0:02:48 | |
Even so, prisons have a responsibility | 0:02:48 | 0:02:50 | |
for the wellbeing of their prisoners | 0:02:50 | 0:02:52 | |
and, with an uneven floor being cited as the cause of the accident, | 0:02:52 | 0:02:56 | |
Foston Hall could well have been liable. | 0:02:56 | 0:02:59 | |
As with all such claims, | 0:02:59 | 0:03:01 | |
they began to investigate thoroughly before paying out. | 0:03:01 | 0:03:04 | |
There didn't seem to be any reason why there would be any problem. | 0:03:04 | 0:03:08 | |
It was only, in further investigation, | 0:03:08 | 0:03:10 | |
when I looked to see if there was any reports | 0:03:10 | 0:03:12 | |
that the floor was uneven that I discovered there was nothing | 0:03:12 | 0:03:15 | |
logged anywhere with the maintenance | 0:03:15 | 0:03:17 | |
department to say there had been any problems at any time with | 0:03:17 | 0:03:20 | |
the flooring on the D Wing room that she was located in. | 0:03:20 | 0:03:23 | |
By now, the prisoner's solicitors had officially started legal proceedings | 0:03:23 | 0:03:27 | |
against Foston Hall. | 0:03:27 | 0:03:30 | |
However, suspicious that the claim wasn't entirely genuine, | 0:03:30 | 0:03:34 | |
Joanne encouraged her supervisor, Carl Davis, to investigate further. | 0:03:34 | 0:03:38 | |
Carl's first port of call was to examine a book called a wing diary. | 0:03:41 | 0:03:45 | |
It is used by staff to record | 0:03:45 | 0:03:46 | |
everything that happens at the prison. | 0:03:46 | 0:03:48 | |
And it immediately revealed an inconsistency. | 0:03:48 | 0:03:52 | |
The claimant had reported to staff she'd received injuries | 0:03:53 | 0:03:56 | |
on the 24th of October. | 0:03:56 | 0:03:59 | |
The staff had reported that to our healthcare department, | 0:03:59 | 0:04:02 | |
and they had made notes in the wing diary, to that effect. | 0:04:02 | 0:04:07 | |
When we received notification from the claimant's solicitors, | 0:04:07 | 0:04:10 | |
the claimant's solicitors were alleging that the incident | 0:04:10 | 0:04:12 | |
actually took place on the 31st of October. | 0:04:12 | 0:04:15 | |
That gave us some concern. | 0:04:15 | 0:04:17 | |
It wasn't looking good for the prisoner's claim. | 0:04:18 | 0:04:21 | |
However, nothing could have prepared Carl and his team | 0:04:21 | 0:04:24 | |
for what they found next. | 0:04:24 | 0:04:26 | |
At Foston Hall, all phone calls made by the prisoners are recorded. | 0:04:26 | 0:04:30 | |
So, staff at the prison looked through the transcript | 0:04:30 | 0:04:33 | |
from the phone calls this prisoner had made. And one stood out. | 0:04:33 | 0:04:37 | |
It was to her father, | 0:04:37 | 0:04:39 | |
and they immediately passed on their findings to Carl. | 0:04:39 | 0:04:42 | |
The claimant was clearly heard to state that she had not received | 0:04:42 | 0:04:46 | |
the injuries as a result of an accident moving furniture, | 0:04:46 | 0:04:49 | |
but she had received the injuries as a result of a fight | 0:04:49 | 0:04:52 | |
with another prisoner. | 0:04:52 | 0:04:54 | |
During that telephone call, | 0:04:54 | 0:04:56 | |
the claimant conspired with her father | 0:04:56 | 0:04:59 | |
to ask the father to contact his solicitors, on her behalf, | 0:04:59 | 0:05:04 | |
so she could commence making a claim | 0:05:04 | 0:05:07 | |
against the prison service for injuries | 0:05:07 | 0:05:09 | |
which clearly had not happened in the way she was describing. | 0:05:09 | 0:05:13 | |
They had the proof they needed | 0:05:13 | 0:05:15 | |
that this inmate had made up | 0:05:15 | 0:05:16 | |
the whole story of how she'd got her injuries. | 0:05:16 | 0:05:19 | |
They gathered together all the evidence they found | 0:05:19 | 0:05:22 | |
and handed it over to the GLD, the government's legal department. | 0:05:22 | 0:05:27 | |
Henry Ripley, a deputy director at GLD, | 0:05:27 | 0:05:29 | |
knew he had a strong case on his hands. | 0:05:29 | 0:05:32 | |
So, the telephone recording revealed | 0:05:34 | 0:05:35 | |
that she'd been in a fight with a prisoner, | 0:05:35 | 0:05:37 | |
that she had sustained injuries | 0:05:37 | 0:05:39 | |
and, ultimately, that she was looking to pin those injuries | 0:05:39 | 0:05:42 | |
on the prison | 0:05:42 | 0:05:44 | |
by bringing a claim that really had no basis whatsoever, | 0:05:44 | 0:05:47 | |
simply in the hope of securing some compensation. | 0:05:47 | 0:05:49 | |
It's not often that you are faced with evidence that is this clear, | 0:05:49 | 0:05:53 | |
that someone has entirely fabricated a claim, | 0:05:53 | 0:05:57 | |
so our reaction was one of surprise. | 0:05:57 | 0:06:01 | |
Ultimately, we took the decision very quickly this had to be evidence | 0:06:01 | 0:06:04 | |
which would firmly back up our position | 0:06:04 | 0:06:07 | |
and enable us to defend the claim. | 0:06:07 | 0:06:09 | |
And therefore, the step we took next was to alert | 0:06:09 | 0:06:11 | |
the claimant's solicitors to this crucial piece of evidence, | 0:06:11 | 0:06:14 | |
with a view to this claim proceeding no further. | 0:06:14 | 0:06:17 | |
What happened next came as no surprise. | 0:06:17 | 0:06:19 | |
As a result of the evidence we put to the claimant's solicitors, | 0:06:19 | 0:06:23 | |
she took the right decision. | 0:06:23 | 0:06:24 | |
She didn't proceed with her claim and, as a result, | 0:06:24 | 0:06:26 | |
the public purse was saved from paying compensation | 0:06:26 | 0:06:29 | |
on a wrongful basis. | 0:06:29 | 0:06:30 | |
The last thing taxpayers want to see - | 0:06:30 | 0:06:32 | |
public money spent on compensating | 0:06:32 | 0:06:34 | |
prisoners for claims that aren't justified. | 0:06:34 | 0:06:36 | |
And so this provides a really positive message | 0:06:36 | 0:06:39 | |
to the wider public that such claims are being taken seriously, | 0:06:39 | 0:06:42 | |
investigated properly and action taken, where dubious claims | 0:06:42 | 0:06:44 | |
are being brought. | 0:06:44 | 0:06:47 | |
An evil woman puts a 1 million price tag on her husband's life. | 0:06:54 | 0:06:59 | |
Travelling to far-flung corners of the world is now more possible | 0:07:14 | 0:07:18 | |
than ever, whether you're heading for the plains of the Serengeti | 0:07:18 | 0:07:21 | |
or the lava fields of Iceland. | 0:07:21 | 0:07:24 | |
But, of course, your dream holiday you'd been looking forward to | 0:07:24 | 0:07:26 | |
can quickly become one you would much rather forget, | 0:07:26 | 0:07:30 | |
if you have an accident or are the victim of a crime. | 0:07:30 | 0:07:33 | |
You can never be prepared for every eventuality, | 0:07:36 | 0:07:38 | |
but companies like CEGA provide travel insurance, | 0:07:38 | 0:07:42 | |
to help out if something awful does happen whilst you're overseas. | 0:07:42 | 0:07:45 | |
Simon Cook, head of special investigations, | 0:07:45 | 0:07:48 | |
remembers a particularly horrific ordeal | 0:07:48 | 0:07:51 | |
involving a man who was visiting Tanzania. | 0:07:51 | 0:07:54 | |
The customer contacted our medical emergency helpline, | 0:07:54 | 0:07:58 | |
to tell us he had been involved in an armed robbery, unfortunately. | 0:07:58 | 0:08:02 | |
He had also told us that he had his personal possessions stolen | 0:08:02 | 0:08:05 | |
in the robbery. | 0:08:05 | 0:08:06 | |
It must be one of the most frightening things imaginable, | 0:08:06 | 0:08:10 | |
to be held up at gunpoint. And, what's more, | 0:08:10 | 0:08:12 | |
the armed robber had physically assaulted the man. | 0:08:12 | 0:08:15 | |
It sounded like a very violent attack, | 0:08:17 | 0:08:19 | |
because the customer was an in-patient in hospital | 0:08:19 | 0:08:22 | |
for two weeks, so he must have been badly injured. | 0:08:22 | 0:08:25 | |
The man was claiming £1,000 for his stolen possessions | 0:08:32 | 0:08:35 | |
and £6,000 for his hospital bills. | 0:08:35 | 0:08:38 | |
Simon and his team are experts in international medical provision and, | 0:08:38 | 0:08:43 | |
to them, this seemed expensive for a Tanzanian hospital. | 0:08:43 | 0:08:46 | |
They waited for the paperwork to arrive. | 0:08:46 | 0:08:49 | |
The customer only provided three documents for a two-week stay | 0:08:49 | 0:08:53 | |
in hospital. This just seems a little unusual. | 0:08:53 | 0:08:56 | |
You would expect to see a lot more documents than that. | 0:08:56 | 0:09:00 | |
They decided to investigate further and, as standard procedure, | 0:09:00 | 0:09:03 | |
they contacted the man, to ask him to sign a form, | 0:09:03 | 0:09:06 | |
giving them permission to examine his claim in more detail. | 0:09:06 | 0:09:10 | |
The customer duly signed the form, but we were concerned to note that, | 0:09:10 | 0:09:14 | |
when he sent the form back to us, he stated in writing that he had now | 0:09:14 | 0:09:18 | |
appointed a solicitor to deal with this matter. | 0:09:18 | 0:09:21 | |
It is very unusual for a customer making a genuine claim | 0:09:21 | 0:09:24 | |
to make threats of legal action. | 0:09:24 | 0:09:28 | |
At this point, we were even more concerned with the claim | 0:09:28 | 0:09:31 | |
that was presented to us. | 0:09:31 | 0:09:33 | |
When Simon and his team have doubts over a customer's claim, | 0:09:34 | 0:09:37 | |
they will conduct a full investigation. | 0:09:37 | 0:09:39 | |
And distance is no barrier. | 0:09:39 | 0:09:42 | |
Due to our concerns with the claim, we decided to appoint | 0:09:42 | 0:09:45 | |
our on-the-ground investigator in Tanzania, | 0:09:45 | 0:09:48 | |
just to ensure that the claim presented was, in fact, | 0:09:48 | 0:09:51 | |
valid and covered by the terms and conditions of the policy. | 0:09:51 | 0:09:54 | |
Yeah, they've got on-the-ground agents everywhere. | 0:09:55 | 0:09:59 | |
And this one wasted no time. | 0:09:59 | 0:10:01 | |
He headed straight to the hospital, | 0:10:01 | 0:10:02 | |
where the customer had been laid up for two weeks. | 0:10:02 | 0:10:05 | |
The first thing that he noted was that the hospital doesn't deal | 0:10:07 | 0:10:11 | |
in US dollars, which was the currency that the customer | 0:10:11 | 0:10:13 | |
had claimed he'd paid the hospital in. | 0:10:13 | 0:10:17 | |
Further investigations with the hospital staff revealed that | 0:10:17 | 0:10:20 | |
the customer's name was not listed anywhere in their official records | 0:10:20 | 0:10:24 | |
and that he hadn't actually been treated there. | 0:10:24 | 0:10:27 | |
So, he'd never even been inside the hospital. | 0:10:27 | 0:10:31 | |
The agent was going great guns. | 0:10:31 | 0:10:34 | |
Next, he headed to a hotel where the customer had stayed | 0:10:34 | 0:10:36 | |
and later submitted the bill to CEGA, as part of his claim. | 0:10:36 | 0:10:40 | |
We established that the hotel charge a maximum of 35 per night, | 0:10:40 | 0:10:45 | |
which was obviously concerning for us because the customer | 0:10:45 | 0:10:48 | |
had paid 135 per night. | 0:10:48 | 0:10:51 | |
He must have had a lot of room service - | 0:10:51 | 0:10:53 | |
that's all I would say on that. | 0:10:53 | 0:10:55 | |
However, it did seem that, at least, this time, | 0:10:55 | 0:10:57 | |
the customer had connections with the hotel. | 0:10:57 | 0:11:01 | |
When we questioned the hotel manager, | 0:11:01 | 0:11:04 | |
we actually established that he was good friends with our customer, | 0:11:04 | 0:11:07 | |
but he then proceeded to tell us that the customer had provided us | 0:11:07 | 0:11:11 | |
with a fraudulent invoice and he didn't actually stay at the hotel. | 0:11:11 | 0:11:15 | |
Who needs friends(?) | 0:11:15 | 0:11:17 | |
I bet that particular friend is off the Christmas card list. | 0:11:17 | 0:11:21 | |
The Tanzania agent had one final place to go. | 0:11:21 | 0:11:25 | |
We then proceeded to visit the police station. | 0:11:25 | 0:11:28 | |
We spoke to one of the officers there who immediately told us that | 0:11:28 | 0:11:31 | |
the crime reference number provided on the report wasn't in the same | 0:11:31 | 0:11:35 | |
format as their genuine crime numbers. | 0:11:35 | 0:11:37 | |
Further to this, the police officer that we spoke with said the person | 0:11:37 | 0:11:41 | |
allegedly who signed the police report didn't, in fact, work at | 0:11:41 | 0:11:45 | |
the police station and they don't even have a lieutenant as a rank | 0:11:45 | 0:11:49 | |
within that station. | 0:11:49 | 0:11:50 | |
As far as CEGA was concerned, it was case closed. | 0:11:50 | 0:11:54 | |
Armed with the evidence that we had obtained through | 0:11:55 | 0:11:58 | |
our overseas investigation, we contacted the customer by telephone, | 0:11:58 | 0:12:02 | |
to give him the opportunity to be open and honest with us | 0:12:02 | 0:12:06 | |
about the actual claim. | 0:12:06 | 0:12:07 | |
'Unsurprisingly, the customer said he had nothing further to add | 0:12:07 | 0:12:11 | |
'to the situation and he was making a genuine claim.' | 0:12:11 | 0:12:15 | |
However, the on-the-ground work done by their agent had provided | 0:12:15 | 0:12:19 | |
irrefutable proof to the contrary. | 0:12:19 | 0:12:22 | |
It was entirely evident from our investigation that the claim | 0:12:22 | 0:12:25 | |
was completely fraudulent. | 0:12:25 | 0:12:27 | |
We weren't satisfied that any aspect of it was genuine. | 0:12:27 | 0:12:31 | |
As far as we are concerned, the armed robbery simply didn't occur. | 0:12:31 | 0:12:34 | |
Simon and his team stuck to their guns and refused to pay out a penny. | 0:12:34 | 0:12:39 | |
They never heard from their customer again. | 0:12:39 | 0:12:42 | |
Now, on this show, we look at lots of examples | 0:12:51 | 0:12:54 | |
of people committing insurance fraud. | 0:12:54 | 0:12:56 | |
With individual claims, more often than not, | 0:12:56 | 0:12:58 | |
there is some truth behind the incident. | 0:12:58 | 0:13:00 | |
Say, a bag was stolen, but the contents are a little exaggerated. | 0:13:00 | 0:13:04 | |
Or an accident at work did happen, but the employee | 0:13:04 | 0:13:07 | |
wasn't as badly hurt as he maintained. | 0:13:07 | 0:13:09 | |
It's all fraud and it is all illegal, | 0:13:09 | 0:13:12 | |
but at least there was some grains of truth to the story. | 0:13:12 | 0:13:15 | |
Well, the next case we're going to look at involved lies so blatant, | 0:13:15 | 0:13:19 | |
and told without a care for the consequences, | 0:13:19 | 0:13:21 | |
that one of the highest legal offices in the land | 0:13:21 | 0:13:24 | |
felt it necessary to intervene. | 0:13:24 | 0:13:27 | |
Richard Hiscocks works at Aviva, as their Director of Casualty Claims. | 0:13:28 | 0:13:31 | |
Back in October 2013, | 0:13:31 | 0:13:34 | |
a member of the team received a call to say that one of their | 0:13:34 | 0:13:36 | |
policyholders had caused a minor accident. | 0:13:36 | 0:13:39 | |
So, we first became aware of this case when our insured | 0:13:41 | 0:13:45 | |
had reversed into the claimant in a fast-food restaurant | 0:13:45 | 0:13:48 | |
drive-through. They'd overshot the place where you speak your order | 0:13:48 | 0:13:53 | |
into the microphone, reversed up gently and nudged the car behind, | 0:13:53 | 0:13:57 | |
which was driven by Gary Burnett, the claimant, | 0:13:57 | 0:14:00 | |
who then claimed that he had shoulder and neck injuries, | 0:14:00 | 0:14:03 | |
which prevented him from fulfilling his normal life. | 0:14:03 | 0:14:07 | |
Gary Burnett was claiming £2,000 for his whiplash injuries, | 0:14:07 | 0:14:11 | |
but, from the word go, his story of the accident at the drive-through | 0:14:11 | 0:14:14 | |
left a bad taste in the mouth. | 0:14:14 | 0:14:17 | |
We were immediately suspicious because this is what we call | 0:14:18 | 0:14:21 | |
a low-speed impact. Our customer had told us that the speed at which | 0:14:21 | 0:14:25 | |
he was reversing was very slight. The vehicle damage supported that | 0:14:25 | 0:14:29 | |
and, actually, it is most unusual to get injury when the speed | 0:14:29 | 0:14:32 | |
of the impact is so slight. | 0:14:32 | 0:14:34 | |
They had photos from their insured driver that showed how little damage | 0:14:34 | 0:14:38 | |
there was to either vehicle. | 0:14:38 | 0:14:41 | |
We decided that, in the light of this evidence, | 0:14:41 | 0:14:43 | |
the claim was spurious and we have a duty, in that case, | 0:14:43 | 0:14:47 | |
to defend our customers. And, so, we decided we weren't going to pay | 0:14:47 | 0:14:51 | |
this claim. He then proceeded to litigate against us, | 0:14:51 | 0:14:54 | |
which meant the claim went to trial, for him to prove that he was injured | 0:14:54 | 0:14:59 | |
and that we should have been paying him compensation. | 0:14:59 | 0:15:02 | |
Aviva enlisted their solicitors, Horwich Farrelly, | 0:15:02 | 0:15:05 | |
to fight the litigation against them. | 0:15:05 | 0:15:07 | |
David Scott represented them. | 0:15:07 | 0:15:09 | |
So, when Horwich Farrelly got the case, | 0:15:10 | 0:15:12 | |
we looked at the evidence presented by the insured driver, | 0:15:12 | 0:15:16 | |
which were some very good photographs taken at the scene, | 0:15:16 | 0:15:19 | |
which show virtually no damage to either of the cars. | 0:15:19 | 0:15:21 | |
We also spoke in detail to the insured driver, | 0:15:21 | 0:15:24 | |
who told us that this was a very, very minor accident. | 0:15:24 | 0:15:27 | |
He reversed back a small distance into very, very minor contact with | 0:15:27 | 0:15:31 | |
the front of the claimant's car. So, based on that, we decided | 0:15:31 | 0:15:34 | |
to investigate this further, | 0:15:34 | 0:15:36 | |
as we believed it to be a potentially dishonest claim. | 0:15:36 | 0:15:38 | |
Gary Burnett made his living as a window cleaner | 0:15:38 | 0:15:41 | |
and also played football semi-professionally. | 0:15:41 | 0:15:45 | |
He maintained that his injuries were affecting his ability | 0:15:45 | 0:15:47 | |
to earn a living. | 0:15:47 | 0:15:49 | |
The claimant had told his medical expert | 0:15:50 | 0:15:52 | |
that the whiplash injuries were pretty severe. | 0:15:52 | 0:15:55 | |
So they caused him to have time off work as a window cleaner | 0:15:55 | 0:15:58 | |
and they also stopped him from playing football. | 0:15:58 | 0:16:00 | |
He went on to say, in an official legal statement, | 0:16:00 | 0:16:04 | |
that he hadn't been able to train or play for a whole month. | 0:16:04 | 0:16:07 | |
But, unfortunately, for Burnett, a social media search revealed | 0:16:07 | 0:16:11 | |
that this was a total lie. | 0:16:11 | 0:16:13 | |
The Twitter account of the claimant was one that was publicly available | 0:16:13 | 0:16:18 | |
and showed the claimant had played football during this | 0:16:18 | 0:16:21 | |
four-week period that he said he couldn't play at all. | 0:16:21 | 0:16:24 | |
# Here we go, here we go, here we go | 0:16:24 | 0:16:26 | |
# Here we go, here we go Here we go-o... # | 0:16:26 | 0:16:29 | |
It showed he played against Kendal Town the day after the accident. | 0:16:29 | 0:16:32 | |
# Here we go, here we go! # | 0:16:32 | 0:16:35 | |
He'd also played against a rival during that four-week period, | 0:16:35 | 0:16:38 | |
in which he had scored a goal. | 0:16:38 | 0:16:39 | |
# Here we go, here we go, here we go | 0:16:39 | 0:16:41 | |
# Here we go, here we go, here we go | 0:16:41 | 0:16:44 | |
# Here we go, here we go! # | 0:16:44 | 0:16:46 | |
He was very proud of his achievements. | 0:16:46 | 0:16:48 | |
Those tweets were to be a game changer. | 0:16:52 | 0:16:55 | |
FULL-TIME WHISTLE | 0:16:55 | 0:16:57 | |
They proved undisputedly what Aviva and Horwich Farrelly | 0:16:58 | 0:17:02 | |
had suspected all along. Gary Burnett had, in no way, | 0:17:02 | 0:17:06 | |
been injured as a result of the collision at the drive-through. | 0:17:06 | 0:17:09 | |
Once we'd completed our investigations, | 0:17:11 | 0:17:14 | |
we served all of this evidence on the claimant's solicitors. | 0:17:14 | 0:17:18 | |
On receiving that, the claimant abandoned his claim. | 0:17:18 | 0:17:21 | |
He discontinued his claim completely and wanted to walk away. | 0:17:21 | 0:17:24 | |
We reviewed the case with Aviva and we were happy we had enough evidence | 0:17:24 | 0:17:28 | |
that - in fact, significant evidence - to show this was | 0:17:28 | 0:17:30 | |
a dishonest claim, so we decided to take it on and take this case | 0:17:30 | 0:17:33 | |
to a County Court, to present the case to a district judge, | 0:17:33 | 0:17:37 | |
to find that this claim was fundamentally dishonest. | 0:17:37 | 0:17:40 | |
Gary Burnett wasn't going to be able to simply walk away from this. | 0:17:40 | 0:17:44 | |
On the day of the court hearing, perhaps knowing he was beaten, | 0:17:44 | 0:17:48 | |
Burnett decided not to attend. | 0:17:48 | 0:17:52 | |
The fact that the claimant didn't turn up to the initial civil hearing | 0:17:52 | 0:17:59 | |
probably did hinder his defence to it, | 0:17:59 | 0:18:01 | |
but the judge was satisfied that, based on the evidence presented, | 0:18:01 | 0:18:05 | |
that there was more than enough to find that the claim | 0:18:05 | 0:18:08 | |
was fundamentally dishonest. The outcome of the civil case | 0:18:08 | 0:18:11 | |
was that the claim was abandoned completely by Mr Burnett | 0:18:11 | 0:18:15 | |
and he was ordered to repay Aviva's legal costs of £11,000. | 0:18:15 | 0:18:19 | |
Burnett didn't receive a penny of the £2,000 he had claimed | 0:18:19 | 0:18:23 | |
from Aviva in compensation. | 0:18:23 | 0:18:25 | |
And he now faces an £11,000 bill. | 0:18:25 | 0:18:29 | |
It was 1-0 to Aviva, | 0:18:29 | 0:18:31 | |
but this match wasn't over. | 0:18:31 | 0:18:34 | |
The civil judge, in a bold move, decided to refer this case up to | 0:18:34 | 0:18:37 | |
the Attorney General's Office. | 0:18:37 | 0:18:40 | |
The Attorney General is the main legal adviser to the government. | 0:18:40 | 0:18:44 | |
They, along with the Solicitor General, | 0:18:44 | 0:18:47 | |
work to ensure the justice system is properly served | 0:18:47 | 0:18:50 | |
and the public interest looked after. | 0:18:50 | 0:18:52 | |
Within the last 12 months, we have taken in the region | 0:18:54 | 0:18:59 | |
of 400 cases to trial and this is the first one of those 400 cases | 0:18:59 | 0:19:04 | |
that was referred to the Attorney General. | 0:19:04 | 0:19:06 | |
This was a fact that it was such a brazen lie by the claimant to say, | 0:19:06 | 0:19:10 | |
not only to the medical expert, but also to Aviva, | 0:19:10 | 0:19:12 | |
also to the court, as well, that he was unable to play football. | 0:19:12 | 0:19:15 | |
It was a very, very serious lie. The court thought it was serious | 0:19:15 | 0:19:18 | |
enough to refer that on to the Attorney General, | 0:19:18 | 0:19:21 | |
-to consider prosecution. -The Attorney General's Office | 0:19:21 | 0:19:24 | |
decided that Gary Burnett was guilty of contempt of court - | 0:19:24 | 0:19:27 | |
a criminal offence. | 0:19:27 | 0:19:29 | |
Contempt of court is where someone disrespects court proceedings | 0:19:29 | 0:19:33 | |
and makes a trial unfair by their actions. | 0:19:33 | 0:19:35 | |
Gary Burnett had told one too many lies. | 0:19:35 | 0:19:38 | |
Our Solicitor General, Robert Buckland QC, explains. | 0:19:38 | 0:19:42 | |
Well, it was very serious. The court that dealt with | 0:19:42 | 0:19:46 | |
the contempt case made him subject to a four-month sentence | 0:19:46 | 0:19:50 | |
of imprisonment, suspended for a year. | 0:19:50 | 0:19:52 | |
Because the court viewed it as essential to send a clear message | 0:19:52 | 0:19:57 | |
to the public at large that this sort of deliberate, systematic | 0:19:57 | 0:20:04 | |
dishonesty, that was fundamental to the case that he brought | 0:20:04 | 0:20:08 | |
in the County Court, will not be tolerated, | 0:20:08 | 0:20:10 | |
because it undermines the integrity of the civil justice system. | 0:20:10 | 0:20:14 | |
Burnett's blatant attempt to defraud Aviva had left him with a hefty bill | 0:20:14 | 0:20:19 | |
to pay and now a permanent criminal record. | 0:20:19 | 0:20:23 | |
This footballer's case had been used to illustrate how committed | 0:20:23 | 0:20:26 | |
the justice system is to tackling insurance fraud. | 0:20:26 | 0:20:30 | |
The system of insurance and the costs of insurance premiums | 0:20:30 | 0:20:35 | |
and the rising cost of premiums, if people make false claims, | 0:20:35 | 0:20:38 | |
is clearly a matter of public interest. | 0:20:38 | 0:20:41 | |
And, as a guardian of the public interest, | 0:20:41 | 0:20:43 | |
I think it is incumbent upon this office to get involved, | 0:20:43 | 0:20:46 | |
where we see such serious cases. | 0:20:46 | 0:20:48 | |
For Aviva's solicitors, Horwich Farrelly, this was a landmark case, | 0:20:50 | 0:20:55 | |
which they believe will act as a strong deterrent. | 0:20:55 | 0:20:57 | |
'We are very satisfied with the outcome of the case. | 0:20:59 | 0:21:01 | |
'Mr Burnett presented what was clearly a dishonest claim | 0:21:01 | 0:21:04 | |
'from the outset. This is the first of its kind,' | 0:21:04 | 0:21:06 | |
where the Attorney General has not only taken on the case, | 0:21:06 | 0:21:09 | |
but successfully prosecuted the claimant for contempt of court | 0:21:09 | 0:21:12 | |
and for insurance fraud. | 0:21:12 | 0:21:13 | |
It shows that the insurance industry now has the backing | 0:21:13 | 0:21:17 | |
of the government and has the backing of people like | 0:21:17 | 0:21:19 | |
the Attorney General in prosecuting dishonest claimants, | 0:21:19 | 0:21:22 | |
regardless of the value of the claim. | 0:21:22 | 0:21:26 | |
It is extraordinary the lengths serious fraudsters will go | 0:21:31 | 0:21:36 | |
for financial gain. Most draw the line at causing actual physical harm | 0:21:36 | 0:21:40 | |
to others, in order to make a buck. The key word there is "most" | 0:21:40 | 0:21:44 | |
because there are some who will, literally, stop at nothing | 0:21:44 | 0:21:47 | |
to line their own pockets. | 0:21:47 | 0:21:49 | |
North Port is an affluent residential district in Florida. | 0:21:52 | 0:21:55 | |
It was home to Janine Jones and her husband, Matthew Riley Smith. | 0:21:55 | 0:22:00 | |
Janine, who was once a corrections officer at the local county jail, | 0:22:00 | 0:22:04 | |
was now up to no good herself. | 0:22:04 | 0:22:06 | |
She and Matthew had a profitable, but totally illegal, scam going on. | 0:22:08 | 0:22:13 | |
They were renting out abandoned and foreclosed homes | 0:22:13 | 0:22:16 | |
to unsuspecting tenants across North Port. | 0:22:16 | 0:22:19 | |
The scheme was making them rich. Rich beyond their wildest dreams. | 0:22:19 | 0:22:23 | |
But there was a problem. Someone had got wind of what they were doing - | 0:22:25 | 0:22:28 | |
a handyman who worked for them, called John Chamberlain. | 0:22:28 | 0:22:32 | |
And he was threatening to expose them. | 0:22:32 | 0:22:34 | |
Janine needed a way to make sure John kept quiet | 0:22:36 | 0:22:39 | |
and decided that the only way to shut him up for good | 0:22:39 | 0:22:42 | |
was to hire a hit man. | 0:22:42 | 0:22:44 | |
But Janine didn't stop there. | 0:22:44 | 0:22:47 | |
She also decided she'd had enough of sharing her ill-gotten gains | 0:22:47 | 0:22:50 | |
with husband Matthew and she decided she would | 0:22:50 | 0:22:53 | |
have him executed, as well. | 0:22:53 | 0:22:55 | |
Janine took out a life insurance policy worth 1 million | 0:22:57 | 0:23:00 | |
on Matthew and prepared to meet with the hit man. | 0:23:00 | 0:23:04 | |
The meeting was facilitated by a middle woman, | 0:23:06 | 0:23:09 | |
who'd organised it to take place in a car. | 0:23:09 | 0:23:12 | |
Incredibly, what you're seeing is the actual footage | 0:23:14 | 0:23:18 | |
-from that first meeting. -Hello. -How you doing? -How are you? | 0:23:18 | 0:23:22 | |
To start off, Janine shows the hit man a photo of her first | 0:23:23 | 0:23:27 | |
intended victim, John. | 0:23:27 | 0:23:29 | |
She appears to have no remorse about the fact she's about to have | 0:23:51 | 0:23:55 | |
someone's father killed. | 0:23:55 | 0:23:56 | |
The conversation turns to her husband, Matthew. | 0:23:58 | 0:24:01 | |
The talk soon gets serious. | 0:24:19 | 0:24:21 | |
And, extraordinarily, she tells the hit man how she would like | 0:24:21 | 0:24:24 | |
the first murder to happen. | 0:24:24 | 0:24:26 | |
Just a warning, this does make for disturbing viewing. | 0:24:26 | 0:24:29 | |
The hit man next asks her how she wants her husband's murder | 0:25:06 | 0:25:09 | |
to happen. | 0:25:09 | 0:25:11 | |
There seemed no end to Janine's maliciousness. | 0:25:37 | 0:25:40 | |
She had now suggested ways of killing two men - | 0:25:40 | 0:25:44 | |
one her own husband - without showing the slightest emotion. | 0:25:44 | 0:25:48 | |
In John's case, her motive was to stop him talking to the police | 0:25:48 | 0:25:51 | |
about her illegal property scam. | 0:25:51 | 0:25:53 | |
And, in her husband's case, | 0:25:53 | 0:25:55 | |
it was to get a 1 million pay-out from his life insurance. | 0:25:55 | 0:26:00 | |
This was an evil, greedy woman. | 0:26:00 | 0:26:02 | |
However, unbeknownst to Janine, | 0:26:04 | 0:26:07 | |
the middle woman who had organised the meeting | 0:26:07 | 0:26:09 | |
had, in reality, sold her out to the police. | 0:26:09 | 0:26:12 | |
So, Janine had just revealed her wicked plan not to a hit man, | 0:26:13 | 0:26:17 | |
but to an undercover cop. | 0:26:17 | 0:26:18 | |
The middle woman, who was helping the police, arranged to meet her | 0:26:21 | 0:26:24 | |
just once more, under the guise of wanting to finalise | 0:26:24 | 0:26:27 | |
all the details of the first murder. | 0:26:27 | 0:26:30 | |
This time, they met in a local diner. | 0:26:31 | 0:26:34 | |
As Janine calmly ate her meal, | 0:26:34 | 0:26:36 | |
no-one could have imagined what was being discussed. | 0:26:36 | 0:26:39 | |
Fortunately, for her employee John and her husband Matthew, | 0:26:49 | 0:26:52 | |
this was as far as Janine's hideous plan got. | 0:26:52 | 0:26:56 | |
Waiting outside the diner were several police officers, | 0:26:56 | 0:26:59 | |
who immediately arrested her. | 0:26:59 | 0:27:02 | |
In June 2014, | 0:27:04 | 0:27:06 | |
Janine Jones was sentenced to life in prison, | 0:27:06 | 0:27:08 | |
for trying to get two men killed. | 0:27:08 | 0:27:11 | |
But there was a menacing twist. | 0:27:13 | 0:27:15 | |
A few years earlier, Janine's first husband Max | 0:27:15 | 0:27:19 | |
had died under mysterious circumstances. | 0:27:19 | 0:27:21 | |
And it had to be more than a coincidence that, when he died, | 0:27:21 | 0:27:25 | |
Janine received a life insurance pay-out for, you guessed it, | 0:27:25 | 0:27:29 | |
1 million. | 0:27:29 | 0:27:32 | |
Max's family and the police believe that Janine had a hand in his death. | 0:27:32 | 0:27:36 | |
But it's hard to prove, as Janine had Max's body | 0:27:36 | 0:27:39 | |
quickly cremated after he died. | 0:27:39 | 0:27:42 | |
Whether it's exaggerating real injuries, | 0:27:48 | 0:27:50 | |
totally making up a story for a dodgy claim, | 0:27:50 | 0:27:53 | |
or masterminding insurance fraud on an industrial scale, | 0:27:53 | 0:27:56 | |
insurers are coming down hard on the people who think they can make | 0:27:56 | 0:28:00 | |
a quick buck with their scams and cons. | 0:28:00 | 0:28:03 | |
But the fraudsters need to think again, as more of them than | 0:28:03 | 0:28:06 | |
ever before are being caught in the act, | 0:28:06 | 0:28:09 | |
and claimed and shamed. | 0:28:09 | 0:28:10 |