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.
0:00:20 > 0:00:24Deliberate crashes, bogus personal injuries, even phantom pets.
0:00:26 > 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 > 0:00:36But insurers are fighting back,
0:00:36 > 0:00:39exposing just under 15 fake claims every hour.
0:00:39 > 0:00:41Armed with covert surveillance systems...
0:00:41 > 0:00:43That's the subject out of the vehicle.
0:00:43 > 0:00:46..sophisticated data analysis techniques...
0:00:46 > 0:00:47BREAKS SCREECH AND GLASS SMASHES
0:00:48 > 0:00:49Police!
0:00:49 > 0:00:51..and a number of highly skilled police units...
0:00:51 > 0:00:53Police! Don't move! Stay where you are!
0:00:53 > 0:00:55..they're catching the criminals red-handed.
0:00:55 > 0:00:57Just don't lie to us.
0:00:58 > 0:01:01All those conmen, scammers and cheats on the fiddle are now
0:01:01 > 0:01:03caught in the act,
0:01:03 > 0:01:04and claimed and shamed.
0:01:11 > 0:01:15..millions of pounds' worth of cars stolen from UK roads are
0:01:15 > 0:01:18seized and repatriated from Africa.
0:01:18 > 0:01:21When the police raided the compound,
0:01:21 > 0:01:25they uncovered 29 vehicles all stolen from the UK.
0:01:25 > 0:01:28The case is closed on a woman's lost luggage scam.
0:01:35 > 0:01:38And a man feels the hand of the law when he claims for
0:01:38 > 0:01:41valuable jewellery that never existed.
0:01:41 > 0:01:44We were able to present a case showed that Mr Cox had never
0:01:44 > 0:01:46owned a Breitling watch.
0:01:46 > 0:01:48The entire claim was completely made up.
0:01:54 > 0:01:56Now, if you've ever had an accident on the road, you'll know it
0:01:56 > 0:02:01can be costly and quite frankly a right pain in the rear bumper.
0:02:01 > 0:02:05Fortunately insurers can provide a replacement hire vehicle to
0:02:05 > 0:02:07get you back on the road quick smart.
0:02:07 > 0:02:10But there are some sneaky scammers out there who will fabricate
0:02:10 > 0:02:14an accident purely to get their hands on one of these vehicles.
0:02:16 > 0:02:20With 186,000 road traffic accidents reported every year
0:02:20 > 0:02:22in the UK...
0:02:22 > 0:02:23SCREECHING BRAKES/LOUD BANG
0:02:25 > 0:02:29..companies like Accident Exchange are kept busy supplying
0:02:29 > 0:02:31replacement hire vehicles to motorists in need.
0:02:33 > 0:02:36Neil Thomas is their Director of Investigative Services and
0:02:36 > 0:02:39heads up their Asset Protection Unit.
0:02:40 > 0:02:43APU are crucial in terms of protecting the cars,
0:02:43 > 0:02:46so we investigate any potential fraud.
0:02:46 > 0:02:49We help Accident Exchange and other companies look after their fleet.
0:02:51 > 0:02:54Neil and his team do this with the help of state-of-the-art
0:02:54 > 0:02:57tracking systems which are fitted to every one of their vehicles.
0:02:58 > 0:03:03With APU, we use extremely advanced technology in all the cars.
0:03:03 > 0:03:06This technology will tell us if there's any untoward
0:03:06 > 0:03:07behaviour in the car.
0:03:08 > 0:03:11It was this cutting-edge system that first flagged
0:03:11 > 0:03:14a potential problem with one of their vehicles, because bizarrely
0:03:14 > 0:03:19it was showing the car's location as Le Havre in France.
0:03:19 > 0:03:22We know that people go from the UK to France for lots of reasons.
0:03:22 > 0:03:25However, the technology's so sophisticated,
0:03:25 > 0:03:27we could tell that it wasn't on a road,
0:03:27 > 0:03:29it was in a container.
0:03:29 > 0:03:31It was on a container ship in a harbour.
0:03:31 > 0:03:34Now, that really gave us some concerns.
0:03:35 > 0:03:37Fearing for the safety of his customer,
0:03:37 > 0:03:39Neil attempted to get in touch.
0:03:41 > 0:03:43So, we tried to contact the client.
0:03:43 > 0:03:46We couldn't speak to the client at all.
0:03:46 > 0:03:49The customer might have vanished into thin air,
0:03:49 > 0:03:51but the car was on the move again.
0:03:51 > 0:03:53The next thing we knew, it turned up in a place called
0:03:53 > 0:03:57Salalah, which is in Oman, which is in the Middle East.
0:03:57 > 0:03:59Now, again, that's a long way for a car,
0:03:59 > 0:04:03a hire car to be taken by a member of the public or a client.
0:04:04 > 0:04:07Neil's team began to investigate the customer's original claim for
0:04:07 > 0:04:09a replacement hire vehicle
0:04:09 > 0:04:13and their enquiries revealed some alarming information.
0:04:13 > 0:04:15This vehicle was a Lexus
0:04:15 > 0:04:19and it had been chosen by the client,
0:04:19 > 0:04:23so he had, it turns out, made up the circumstances of a road
0:04:23 > 0:04:28traffic collision and gone to some lengths to obtain a replacement car.
0:04:28 > 0:04:33So, the original insurance claim was completely bogus.
0:04:33 > 0:04:36Once the car had been acquired through insurance fraud,
0:04:36 > 0:04:39it was delivered to the gang member posing as a genuine customer,
0:04:39 > 0:04:41who simply disappeared with the vehicle.
0:04:43 > 0:04:46But Neil soon discovered that his missing Lexus was just the tip
0:04:46 > 0:04:50of a massive iceberg when it was contacted by the National
0:04:50 > 0:04:52Vehicle Crime Intelligence Service.
0:04:55 > 0:04:58When NVCIS became involved in the investigation, it became
0:04:58 > 0:05:02clear that this wasn't just one vehicle taken from the UK.
0:05:02 > 0:05:06This was an organised gang, a multi-million-pound operation.
0:05:06 > 0:05:09Cars were being stolen predominantly in the south-east and London
0:05:09 > 0:05:12and being exported from the UK into Africa.
0:05:14 > 0:05:15A startling discovery.
0:05:17 > 0:05:20Investigators were dealing with a global network of car thieves
0:05:20 > 0:05:22stealing vehicles from UK roads.
0:05:24 > 0:05:28They were, in fact, being taken to order and sold on to make
0:05:28 > 0:05:31millions of pounds.
0:05:31 > 0:05:34Agents were facing an unknown number of fraudulently obtained and
0:05:34 > 0:05:36stolen vehicles,
0:05:36 > 0:05:40but thanks to the tracker on board the Lexus, UK law enforcement
0:05:40 > 0:05:43had a unique opportunity to bust the entire operation.
0:05:45 > 0:05:49But it relied on Neil's willingness to take a huge gamble.
0:05:49 > 0:05:52We could have just made a decision to say we'll just have the hire car back.
0:05:52 > 0:05:55We decided and I decided that we wanted to be part of the
0:05:55 > 0:05:58investigation and help other people get their cars back as well.
0:05:58 > 0:06:02And with many of the gang's victims yet to be paid out by their
0:06:02 > 0:06:05insurance companies, there was a slim chance that
0:06:05 > 0:06:09APU could save the industry hundreds of thousands of
0:06:09 > 0:06:13pounds by locating and helping to recover the stolen vehicles.
0:06:15 > 0:06:18So, our stolen Lexus was being tracked from inside a
0:06:18 > 0:06:20moving shipping container.
0:06:20 > 0:06:21After leaving the UK,
0:06:21 > 0:06:24it had travelled by sea to the French port of Le Havre.
0:06:24 > 0:06:27It was then shipped around the tip of Spain,
0:06:27 > 0:06:30across the Mediterranean Sea, where it passed between Egypt and
0:06:30 > 0:06:33Jordan, and made its way to Mombasa, Kenya.
0:06:33 > 0:06:37It was then transported overland to Kampala, Uganda,
0:06:37 > 0:06:38where its journey ended.
0:06:38 > 0:06:42The hope was that the Lexus would lead investigators directly
0:06:42 > 0:06:45into the heart of the gang's operation.
0:06:47 > 0:06:50Once the cars had been tracked to Kampala itself,
0:06:50 > 0:06:54we needed to use the technology to identify,
0:06:54 > 0:06:58with pinpoint accuracy, exactly where they were.
0:06:58 > 0:07:00And the location of the Lexus turned out to be
0:07:00 > 0:07:03a bonded warehouse in the heart of Kampala.
0:07:05 > 0:07:08Using this information, Ugandan police and officers from the
0:07:08 > 0:07:12UK's National Crime Agency made their way to the location.
0:07:12 > 0:07:16When the police raided the compound where the Lexus was, they uncovered
0:07:16 > 0:07:22not just the Lexus, but 29 other vehicles all stolen from the UK.
0:07:22 > 0:07:25In total, about £1 million worth of UK cars.
0:07:27 > 0:07:30An unprecedented seizure
0:07:30 > 0:07:34and an estimated £700,000 worth of losses that insurers would
0:07:34 > 0:07:36have already paid out to customers.
0:07:38 > 0:07:40With the cars now secured, they were taken to
0:07:40 > 0:07:43a government compound, but Neil's work wasn't done yet.
0:07:45 > 0:07:49We were asked by the UK police to go with them to Uganda and then
0:07:49 > 0:07:53track all of the cars from Uganda, through Kenya,
0:07:53 > 0:07:57back on the boat and do a reverse trip back to the UK.
0:07:57 > 0:07:59Having come this far in the investigation,
0:07:59 > 0:08:01Neil wasn't about to back out now.
0:08:01 > 0:08:06I, representing APU, went personally to Uganda to make sure that
0:08:06 > 0:08:10the final stage of the operation went as well as the initial stage.
0:08:10 > 0:08:14When Neil arrived in Uganda, he saw first-hand the scale of the
0:08:14 > 0:08:17criminal operation that had been uncovered
0:08:17 > 0:08:20and it was all thanks to the tracking technology fitted to
0:08:20 > 0:08:23the Lexus that had been fraudulently obtained from
0:08:23 > 0:08:24Accident Exchange.
0:08:25 > 0:08:29The footage we're looking at now is footage I filmed when I flew
0:08:29 > 0:08:31to Uganda.
0:08:31 > 0:08:34It's not long before Neil spots what had effectively been his
0:08:34 > 0:08:37undercover operative, the stolen Lexus.
0:08:38 > 0:08:41Just inside the Ugandan revenue authority.
0:08:41 > 0:08:43This is the first sighting we have of what we think is our Lexus.
0:08:45 > 0:08:49As you can see, quite a few cars lined up here.
0:08:49 > 0:08:52Very nice, very expensive cars.
0:08:55 > 0:08:58But we know they've been here for at least six months.
0:09:02 > 0:09:03So, I think they just need a little bit of...
0:09:04 > 0:09:06..TLC to say the least.
0:09:06 > 0:09:10This one's actually got a tax disc holder from the UK.
0:09:12 > 0:09:15Looking at all the vehicles, there's only probably one,
0:09:15 > 0:09:17maybe two that have got slight damage.
0:09:17 > 0:09:20It's no good trying to steal a car and then trying to sell it on
0:09:20 > 0:09:21when it's damaged.
0:09:23 > 0:09:24The ones we're interested in are,
0:09:24 > 0:09:27particularly from my point of view, the Lexus, which is there.
0:09:27 > 0:09:30You'll see it's quite dusty and they're all covered in dust.
0:09:30 > 0:09:32This is inside the Lexus.
0:09:34 > 0:09:36As you can see, it needs a little bit of a clean-up.
0:09:37 > 0:09:40These are the papers that were in the car.
0:09:42 > 0:09:46The cars were recovered in the nick of time.
0:09:46 > 0:09:48When we looked at the vehicles in more detail,
0:09:48 > 0:09:50the identities had been changed.
0:09:50 > 0:09:54So, most vehicles have got a visible identity number,
0:09:54 > 0:09:56a VIN number, on the windscreen.
0:09:56 > 0:10:00They'd all been changed and most of the personal identification
0:10:00 > 0:10:03features for the vehicles have been taken off.
0:10:03 > 0:10:07And you can see that they're all high-end vehicles ready to be
0:10:07 > 0:10:09sold on to innocent purchasers.
0:10:09 > 0:10:12This was a ground-breaking operation.
0:10:12 > 0:10:17The images you see now are the official handing over of the
0:10:17 > 0:10:21keys, so physically handing over the keys from Uganda to the UK.
0:10:21 > 0:10:23This is the first time that anything like this has happened,
0:10:23 > 0:10:27so I'm really proud to have been involved in it.
0:10:28 > 0:10:31This long, complex investigation had taken Neil and law
0:10:31 > 0:10:35enforcement officers from the UK all the way to Africa,
0:10:35 > 0:10:38but there was still a long way to go.
0:10:38 > 0:10:41Once we were comfortable that the cars were roadworthy,
0:10:41 > 0:10:44then we had the challenge of getting them back to the UK.
0:10:44 > 0:10:49Vehicles were loaded into containers and shipped across land in
0:10:49 > 0:10:52a road train across the border from Kampala,
0:10:52 > 0:10:55back into Kenya and then do a reverse journey.
0:10:55 > 0:11:00But this return journey was a perilous one and posed serious risks to all involved.
0:11:00 > 0:11:01We didn't know who we were dealing with
0:11:01 > 0:11:04and the organised gang, they've got a lot to lose.
0:11:04 > 0:11:06We're talking at the time £1 million worth of cars.
0:11:06 > 0:11:10There's always a potential that the convoy may have been attacked
0:11:10 > 0:11:11en route.
0:11:12 > 0:11:13Still to come...
0:11:13 > 0:11:16the stolen vehicles are back on home soil.
0:11:16 > 0:11:20This is the first time that cars have been repatriated from Africa.
0:11:20 > 0:11:23I really want to see the Lexus back.
0:11:23 > 0:11:25And a bogus personal injury claim after
0:11:25 > 0:11:28a minor bus prang runs out of road.
0:11:28 > 0:11:30There was no movement.
0:11:30 > 0:11:32There was laughing and joking.
0:11:32 > 0:11:34Most people were unaware that a collision had occurred.
0:11:39 > 0:11:42Now, a well-earned holiday is a wonderful thing.
0:11:42 > 0:11:45Travel insurance gives you the peace of mind that should your
0:11:45 > 0:11:49siesta in the sun turn into a bout of tourism trauma, you're covered.
0:11:49 > 0:11:52But unfortunately there are those who think making
0:11:52 > 0:11:56a false claim is all part of the package deal.
0:11:57 > 0:12:01Whether you're a sun lover, culture connoisseur or thrill-seeker,
0:12:01 > 0:12:03there's a travel insurance policy to cover you.
0:12:05 > 0:12:09CEGA specialise in travel insurance services.
0:12:09 > 0:12:11Their head of special investigations, Simon Cook,
0:12:11 > 0:12:15knows his all-inclusive scams from his five-star swindles.
0:12:17 > 0:12:21He was presented with one claim which is unfortunately all too common.
0:12:21 > 0:12:24The customer contacted us and explained that, unfortunately,
0:12:24 > 0:12:28she'd been subjected to a theft whilst on holiday in New Zealand.
0:12:28 > 0:12:31She told us that she was in the airport waiting for some
0:12:31 > 0:12:33friends when the bag was stolen off her trolley.
0:12:34 > 0:12:38A nightmare start to any trip and the losses were reported to go
0:12:38 > 0:12:41well beyond a holiday wardrobe and snorkel set.
0:12:41 > 0:12:46The customer was claiming for around £800 in cash,
0:12:46 > 0:12:48was claiming for some jewellery, which included an engagement
0:12:48 > 0:12:52and wedding ring, and also a high-end mobile phone.
0:12:52 > 0:12:56The value of the claim was approximately £4,000.
0:12:56 > 0:13:00That's a big claim for just one bag, but it was the alleged
0:13:00 > 0:13:03contents of the suitcase which caught Simon's attention.
0:13:03 > 0:13:08I wouldn't say that the cash and the mobile phone were unusual in
0:13:08 > 0:13:11terms of what you would carry around with you, but it was very
0:13:11 > 0:13:14surprising to see her claiming for an engagement and wedding ring
0:13:14 > 0:13:18being in the bag, because naturally you would wear those items.
0:13:19 > 0:13:22The customer had reported the theft to the New Zealand police at
0:13:22 > 0:13:23her first opportunity,
0:13:23 > 0:13:27who would have listed everything claimed to have been stolen.
0:13:28 > 0:13:31Due to the value of the claim and the fact that some of the
0:13:31 > 0:13:34high-value items weren't listed on the police report,
0:13:34 > 0:13:37we made a decision to speak to the customer by way of telephone
0:13:37 > 0:13:40interview just so we could get a better understanding of what
0:13:40 > 0:13:41exactly happened.
0:13:43 > 0:13:46The claims handler from Simon's team made the call.
0:14:03 > 0:14:06It seemed like a plausible story.
0:14:06 > 0:14:08Whilst we were happy with the information the customer
0:14:08 > 0:14:11provided regarding the circumstances of the incident,
0:14:11 > 0:14:14she couldn't accurately describe to us why all these high-value
0:14:14 > 0:14:17items were missing off the police report.
0:14:18 > 0:14:21The police in New Zealand were contacted to clear up the confusion,
0:14:21 > 0:14:24but it led to a shocking discovery.
0:14:24 > 0:14:28The police officer we spoke to was extremely helpful,
0:14:28 > 0:14:30but he did tell us that, in fact,
0:14:30 > 0:14:32the customer had had her bag returned
0:14:32 > 0:14:37to her some three weeks prior to her contacting us to make the claim.
0:14:37 > 0:14:41This obviously begged the question why the customer was claiming
0:14:41 > 0:14:43for the bag and its entire contents.
0:14:43 > 0:14:47Armed with this information, we decided to get back in
0:14:47 > 0:14:49contact with the customer to ask her about the situation.
0:14:50 > 0:14:53The claimant was given an opportunity to come clean.
0:15:07 > 0:15:11So, the tight-lipped claimant wasn't going to be much help,
0:15:11 > 0:15:14despite the overwhelming evidence.
0:15:15 > 0:15:19The police had told us that she had had the bag and the contents
0:15:19 > 0:15:23returned to her some three weeks prior to making the claim
0:15:23 > 0:15:27and, therefore, we wanted to know why she, in essence, lied to us about the situation.
0:15:27 > 0:15:31The call handler uses that fact to challenge the claimant.
0:15:59 > 0:16:03One explanation that the customer provided was that she knew we
0:16:03 > 0:16:05were going to make enquiries with the police, so she didn't tell us
0:16:05 > 0:16:09any information about what the police had done.
0:16:09 > 0:16:11It's the equivalent of having a car crash and relying on a
0:16:11 > 0:16:14witness to report the accident.
0:16:39 > 0:16:43The claimant is on the back foot here, but she is persisting with her
0:16:43 > 0:16:47story, saying she was relying on the insurer to investigate her claim.
0:16:47 > 0:16:51That suggests she knew full well her claim would be rejected and,
0:16:51 > 0:16:55therefore, this definitely wasn't an attempt to commit insurance fraud.
0:16:55 > 0:16:58A confused logic at best.
0:16:58 > 0:16:59As far as Simon was concerned, though,
0:16:59 > 0:17:01the facts spoke for themselves.
0:17:02 > 0:17:06The customer had her bag returned to her three weeks before
0:17:06 > 0:17:10contacting us to make a claim for her stolen bag.
0:17:10 > 0:17:13But the claimant was determined to get something for nothing.
0:17:13 > 0:17:17She still said to us that we should pay her for the items that
0:17:17 > 0:17:20were in the bag, but ultimately we'd already been told by the
0:17:20 > 0:17:24police that she had the bag returned with all the items in it.
0:17:38 > 0:17:42After telling the customer that we knew that she had had the bag
0:17:42 > 0:17:45returned to her with the contents, she did actually decide to admit
0:17:45 > 0:17:48that she did receive the bag back, but there were no contents in it.
0:18:07 > 0:18:11It was hardly a full confession, but the investigator was finally
0:18:11 > 0:18:13starting to get a handle on the truth.
0:18:14 > 0:18:17We made it very clear to the customer that we knew that
0:18:17 > 0:18:20the bag and its contents had been returned to her.
0:18:37 > 0:18:39Well, he can and with good reason he did.
0:18:39 > 0:18:43The customer was extremely naive, because she didn't feel that we
0:18:43 > 0:18:46would make further enquiries into her claim.
0:18:46 > 0:18:50Opportunists continue to underestimate insurers
0:18:50 > 0:18:54and this claimant was lucky to avoid a criminal prosecution.
0:18:54 > 0:18:57I honestly don't think some customers who make fraudulent
0:18:57 > 0:19:01claims do realise the gravity of what they're doing.
0:19:01 > 0:19:05Fraud is a criminal offence at the end of the day and you could
0:19:05 > 0:19:08get a criminal prosecution as a result of insurance fraud.
0:19:14 > 0:19:17Now, we've all got our favourite things and those prized
0:19:17 > 0:19:21possessions can be protected with insurance both home and away.
0:19:21 > 0:19:26That can be an absolute life-saver when something is genuinely lost or broken.
0:19:26 > 0:19:30The key word there though is genuinely, because unfortunately,
0:19:30 > 0:19:34fraudsters think that submitting false claims is easy money.
0:19:36 > 0:19:41The average home has contents worth £45,000, meaning
0:19:41 > 0:19:45companies like esure have got their hands full looking after customers.
0:19:45 > 0:19:49Just like one policyholder's reported misadventure while on
0:19:49 > 0:19:50a walk in the woods.
0:19:52 > 0:19:56The case was passed onto the City of London Police's Insurance
0:19:56 > 0:19:57Fraud Enforcement Department.
0:19:57 > 0:20:01DC Jamie Kirk was one of the officers involved in the investigation.
0:20:03 > 0:20:07Mark Cox was claiming that he lost a Breitling watch
0:20:07 > 0:20:09which was worth £6,000.
0:20:09 > 0:20:12The Breitling watch was on his left wrist and he said
0:20:12 > 0:20:14that when he took this jacket off,
0:20:14 > 0:20:17the clasp had somehow come off of his Breitling watch.
0:20:17 > 0:20:20He hadn't heard it. It had just gone missing.
0:20:20 > 0:20:22I think the insurers, and both us at IFED,
0:20:22 > 0:20:24found that quite hard to believe.
0:20:24 > 0:20:28A costly error with a top-notch timepiece,
0:20:28 > 0:20:33but it wasn't just the circumstances of the loss that put a question mark over the claim.
0:20:33 > 0:20:36He didn't open the policy up until a couple of years after
0:20:36 > 0:20:38he supposedly had bought the watch.
0:20:38 > 0:20:40He stated it was a present from his grandmother.
0:20:40 > 0:20:44He'd never had any home insurance policies where this watch had been listed.
0:20:44 > 0:20:48This was the first one that he ever had and then, coincidentally,
0:20:48 > 0:20:52the watch was lost just a few days after incepting this policy.
0:20:52 > 0:20:54Very convenient!
0:20:54 > 0:20:55With suspicions raised,
0:20:55 > 0:21:00it would be a timestamp that started the countdown on Mr Cox's claim.
0:21:00 > 0:21:03esure handed us three photographs,
0:21:03 > 0:21:06two of which predated the alleged loss of the Breitling watch
0:21:06 > 0:21:11and a third one which was after the alleged loss, and on the date
0:21:11 > 0:21:15that Mr Cox sent all three photographs to esure
0:21:15 > 0:21:17as proof of ownership of his watch.
0:21:17 > 0:21:22It showed us that he was attempting to defraud esure.
0:21:22 > 0:21:26The camera never lies and the date on the photo gave IFED
0:21:26 > 0:21:30all the evidence they needed to pay Mr Cox a surprise visit.
0:21:30 > 0:21:32He was arrested at his home address.
0:21:32 > 0:21:34We did search the premises
0:21:34 > 0:21:37and we actually were able to seize a Breitling watch from his house.
0:21:38 > 0:21:42It was just the evidence that IFED needed to prove the watch
0:21:42 > 0:21:44had never left Mr Cox's person,
0:21:44 > 0:21:47but things weren't quite what they seemed.
0:21:47 > 0:21:50Having seized the watch and the box,
0:21:50 > 0:21:53we were able to speak to people at Breitling to confirm
0:21:53 > 0:21:55that both the watch and the box were fake.
0:21:55 > 0:21:59We were also in a position to show the people at Breitling
0:21:59 > 0:22:03the pictures which predated the loss, and they were able to say
0:22:03 > 0:22:07that the watch in all three pictures was the same fake watch,
0:22:07 > 0:22:10so we were able to present a case which showed that Mr Cox
0:22:10 > 0:22:12had never owned a Breitling watch.
0:22:12 > 0:22:16The entire claim was completely made up and fraudulent.
0:22:16 > 0:22:20It was time for Mr Cox to face up to some very damning evidence.
0:22:20 > 0:22:24However, his explanation was baffling to say the least.
0:22:24 > 0:22:27He provided his account at interview,
0:22:27 > 0:22:29which was that he had lost a genuine watch
0:22:29 > 0:22:32and in order not to upset his grandmother, he'd bought a fake one.
0:22:32 > 0:22:36He had then taken a picture of himself wearing the fake one,
0:22:36 > 0:22:40which he sent to assist what was a genuine claim.
0:22:40 > 0:22:44His story was starting to sound like nothing more than a wind-up,
0:22:44 > 0:22:45but he was sticking to it.
0:22:45 > 0:22:50Mr Cox maintained the same story throughout his time in police interview,
0:22:50 > 0:22:53that he had bought this fake one in order to not upset
0:22:53 > 0:22:56his grandmother who had bought it for him.
0:22:56 > 0:22:58Well, Granny may have been happy,
0:22:58 > 0:23:02but Mr Cox was about to receive far more than a ticking off.
0:23:02 > 0:23:05Mr Cox elected to go for trial where he was found guilty
0:23:05 > 0:23:07of fraud by false representation.
0:23:07 > 0:23:11He was awarded a community service order to complete 150 hours
0:23:11 > 0:23:16of unpaid work and to pay court costs of over £800.
0:23:16 > 0:23:21But what was the motive behind this calculated attempt to defraud?
0:23:21 > 0:23:27He was in financial difficulties and so he planned this to assist him
0:23:27 > 0:23:30over the financial troubles he was facing.
0:23:32 > 0:23:35Police and insurers operate a zero tolerance policy
0:23:35 > 0:23:37towards any fraudulent activity
0:23:37 > 0:23:41and this type of criminality has consequences for all of us.
0:23:42 > 0:23:46People making fraudulent claims leads to high premiums to everybody,
0:23:46 > 0:23:51so everybody has to pay for people like Mark Cox making £6,000 claims,
0:23:51 > 0:23:53which he is not entitled to do.
0:23:57 > 0:24:00Whatever your favoured mode of public transport,
0:24:00 > 0:24:03we all hope to be carried from A to B safely.
0:24:03 > 0:24:07However, accidents do happen and most passengers are honest
0:24:07 > 0:24:11about any injuries sustained, but some look to leech off
0:24:11 > 0:24:14transport companies by exaggerating injuries
0:24:14 > 0:24:16and submitting fraudulent claims.
0:24:17 > 0:24:20FirstGroup operates services throughout the UK.
0:24:20 > 0:24:26With some 6,300 buses on the road, the odd incident is inevitable.
0:24:26 > 0:24:30Just like one which fraud prevention officer Julie Randle dealt with
0:24:30 > 0:24:32involving two of their double-deckers.
0:24:34 > 0:24:37We were presented with several personal injury claims
0:24:37 > 0:24:40for a very minor accident involving one of our buses
0:24:40 > 0:24:42clipping the back windscreen of another one of our buses.
0:24:42 > 0:24:46It was a genuine accident, our driver simply misjudged his distance
0:24:46 > 0:24:50when pulling out and it made a small crack to the windscreen.
0:24:50 > 0:24:52Unfortunate, but looking on the bright side,
0:24:52 > 0:24:55at least no-one was hurt. Or so they thought.
0:24:55 > 0:24:59We were extremely surprised to receive eight injury claims
0:24:59 > 0:25:02come through as a result of an extremely minor accident,
0:25:02 > 0:25:06with a total valuation of around £200,000.
0:25:06 > 0:25:10An astonishing figure considering the slight nature
0:25:10 > 0:25:12of the reported prang.
0:25:12 > 0:25:15So it didn't take FirstGroup long to make a decision.
0:25:15 > 0:25:17We repudiated all of the claims.
0:25:17 > 0:25:22Two claims persisted and that was a mother and her daughter.
0:25:22 > 0:25:24The claimant alleged that she sustained soft tissue injuries
0:25:24 > 0:25:27to her neck, her upper back and her shoulders.
0:25:27 > 0:25:30She alleged that she couldn't do her cooking, domestic chores,
0:25:30 > 0:25:33she couldn't pick her child up.
0:25:33 > 0:25:36The child had injuries to her neck as well
0:25:36 > 0:25:39and it was alleged she had time off school.
0:25:39 > 0:25:42The reported condition of the mother and daughter
0:25:42 > 0:25:44required immediate attention.
0:25:44 > 0:25:47She alleged her injuries were so severe that she had to undergo
0:25:47 > 0:25:49a course of physiotherapy treatment
0:25:49 > 0:25:51and she had to go on lighter duties at work.
0:25:51 > 0:25:54With such significant injuries,
0:25:54 > 0:25:57this wasn't going to be a cheap claim to settle.
0:25:57 > 0:26:00We valued her claim in the region of around £30,000.
0:26:00 > 0:26:02This would be made up of treatment fees
0:26:02 > 0:26:04of her physical and her psychological injuries,
0:26:04 > 0:26:06and her loss of earnings.
0:26:06 > 0:26:11And it would appear that brute force exerted by a single bus wing mirror
0:26:11 > 0:26:15was far more than anybody could have imagined.
0:26:15 > 0:26:17The claimant alleged that the incident was so serious
0:26:17 > 0:26:21that she was thrown around in her seat and she had to hold on
0:26:21 > 0:26:24to the bar in front to stop herself from falling.
0:26:24 > 0:26:26It must have been quite the impact.
0:26:30 > 0:26:34Luckily, all FirstGroup buses are packed with CCTV cameras.
0:26:34 > 0:26:37When we looked at the footage, we were expecting to see
0:26:37 > 0:26:40several passengers moving from their seats, thrown to the floor,
0:26:40 > 0:26:42jolted backwards and forwards.
0:26:42 > 0:26:46So let's have a look at this alleged driving disaster.
0:26:46 > 0:26:48Viewer discretion is advised
0:26:48 > 0:26:51as you may find some of what you're about to see shocking.
0:26:54 > 0:26:56SQUEAKING
0:26:56 > 0:26:59OK, not quite the devastation we expected.
0:26:59 > 0:27:01Nothing happened.
0:27:01 > 0:27:03If you look very closely to your top right,
0:27:03 > 0:27:06there's the wing mirror of the bus pulling out
0:27:06 > 0:27:09as it glances the back window of the one in front.
0:27:11 > 0:27:14There was no movement, there was laughing and joking,
0:27:14 > 0:27:18and most people were unaware that a collision had occurred.
0:27:18 > 0:27:20This lady's alleged that she was
0:27:20 > 0:27:22thrown backwards and forwards in her seat.
0:27:22 > 0:27:26She had to grab the bar in front to stop herself from falling off.
0:27:27 > 0:27:30Looking at the footage and she doesn't move!
0:27:30 > 0:27:33So not quite the chaos the claimant had described.
0:27:33 > 0:27:37Having viewed the footage, it was clear that all eight claimants
0:27:37 > 0:27:39had completely fabricated their claims.
0:27:39 > 0:27:42There was no injuries caused by the coming together of two buses.
0:27:42 > 0:27:45It was extremely minor damage and we were never going to pay out.
0:27:45 > 0:27:48And a little digging revealed that this claimant
0:27:48 > 0:27:49had an interesting past.
0:27:51 > 0:27:53Having checked out this lady's claims history,
0:27:53 > 0:27:56lo and behold, she had not just one claim but three claims
0:27:56 > 0:27:58in the few years prior to our incident.
0:27:58 > 0:28:02She was well versed in the claims process and it was no surprise to us
0:28:02 > 0:28:04that she was trying it on with us.
0:28:04 > 0:28:06Despite the conclusive evidence,
0:28:06 > 0:28:09the claimant refused to put the brakes on her claim,
0:28:09 > 0:28:13but there was no way FirstGroup were rolling over on this one.
0:28:14 > 0:28:16With overwhelming evidence,
0:28:16 > 0:28:19we decided we were going to see these two claims through.
0:28:19 > 0:28:22We instructed our solicitors to deal on our behalf and we were going
0:28:22 > 0:28:24to take it through the courts.
0:28:24 > 0:28:26The case proceeded to trial.
0:28:26 > 0:28:29As you'd probably expect, having seen the CCTV footage,
0:28:29 > 0:28:32the judge was not taken in by her lies and her deceit.
0:28:32 > 0:28:35Not only was the claim thrown out, but the judge said,
0:28:35 > 0:28:38and I quote, "It is as clear as a pikestaff
0:28:38 > 0:28:41"that this claimant has been fundamentally dishonest
0:28:41 > 0:28:42"in pursuing their claim."
0:28:42 > 0:28:45There was no doubt this was a grossly exaggerated claim
0:28:45 > 0:28:48and the woman wasn't going to be allowed to walk away
0:28:48 > 0:28:50from this transport treachery.
0:28:51 > 0:28:55Yes, it was a great result, but we were never going to leave it there.
0:28:55 > 0:28:59We are now pursuing this claimant for nearly £15,000 in costs.
0:28:59 > 0:29:02A high price, you might think, for trying to make a quick buck.
0:29:02 > 0:29:05And if the claimant is unwilling to pay the costs,
0:29:05 > 0:29:09she could well find herself making a return journey back to court.
0:29:16 > 0:29:18Now, in America, everything is bigger
0:29:18 > 0:29:21and that includes cases of insurance fraud,
0:29:21 > 0:29:24which are often super-sized compared to the UK.
0:29:24 > 0:29:29In the US, fraudsters will stop at nothing to collect a pay-out,
0:29:29 > 0:29:32even if it means destroying everything they've built.
0:29:40 > 0:29:42Phoenix, Arizona.
0:29:43 > 0:29:46Home to the affluent suburb of Biltmore Estates
0:29:46 > 0:29:50and high-flying investment banker Michael Marin.
0:29:52 > 0:29:57In 2009, a fire ripped through his 2.5 million mansion
0:29:57 > 0:29:59while he slept inside.
0:30:03 > 0:30:08Woken by the smoke alarm, he called 911 while still inside the property.
0:30:13 > 0:30:15COUGHING
0:30:36 > 0:30:39COUGHING
0:30:47 > 0:30:48Fearing for Michael's life,
0:30:48 > 0:30:52the 911 operator desperately tries to re-establish contact.
0:30:58 > 0:31:01Thankfully, Michael had got out in the nick of time.
0:31:01 > 0:31:05He told emergency services that he donned scuba gear
0:31:05 > 0:31:09stored in his bedroom wardrobe and used it to breathe compressed air.
0:31:10 > 0:31:14He then made his way down from the second storey using a rope ladder.
0:31:15 > 0:31:18Michael's 6,600 square foot luxury home
0:31:18 > 0:31:22had been completely gutted in the inferno.
0:31:24 > 0:31:26His harrowing but bizarre escape
0:31:26 > 0:31:28caught the attention of fire officials
0:31:28 > 0:31:31who were keen to establish the cause of the blaze.
0:31:33 > 0:31:36Examining the scene revealed an accelerant had been used
0:31:36 > 0:31:38to start the fire
0:31:38 > 0:31:42with 28 phone books stacked as kindling to fuel it.
0:31:42 > 0:31:47This evidence combined with the very conveniently positioned scuba gear
0:31:47 > 0:31:52and rope ladder meant Marin was the prime suspect for the arson.
0:31:53 > 0:31:56But why would a Yale-educated multimillionaire
0:31:56 > 0:32:00with a jet-set lifestyle burn down his own house?
0:32:01 > 0:32:03Investigators needed a motive.
0:32:05 > 0:32:09Police dug into every aspect of Marin's life.
0:32:09 > 0:32:11They found he enjoyed piloting aeroplanes
0:32:11 > 0:32:14and that he'd recently scaled Mount Everest,
0:32:14 > 0:32:18but investigators also discovered that Marin was facing financial ruin.
0:32:19 > 0:32:22Marin's determination to live life to the full
0:32:22 > 0:32:24had drained his finances.
0:32:24 > 0:32:28It was discovered that in the lead-up to the fire,
0:32:28 > 0:32:32his fortune had dwindled from millions to just over 40,000.
0:32:32 > 0:32:36His mortgage was an enormous 17,000 a month
0:32:36 > 0:32:40and he was facing an imminent payment of 2.3 million
0:32:40 > 0:32:42to retain the property.
0:32:42 > 0:32:46These financial pressures only added to his desperation.
0:32:48 > 0:32:52The investigation concluded Marin had started the fire himself
0:32:52 > 0:32:56in an effort to collect the cash from his home insurance.
0:32:56 > 0:32:58His plan had backfired.
0:33:00 > 0:33:05On August 19, 2009, Marin was arrested by county sheriffs
0:33:05 > 0:33:08and charged with arson of an occupied structure.
0:33:10 > 0:33:14A crime that carries the same penalties as second-degree murder.
0:33:14 > 0:33:17Despite the overwhelming evidence that he'd burned down his home
0:33:17 > 0:33:19to pocket the insurance money,
0:33:19 > 0:33:23Marin maintained his innocence and poured his remaining assets
0:33:23 > 0:33:27into his defence until there was nothing left.
0:33:27 > 0:33:31On 21st May 2012, the case proceeded to trial.
0:33:31 > 0:33:33After a hearing that lasted over a month,
0:33:33 > 0:33:36a verdict was finally reached on 28th June.
0:33:38 > 0:33:40As the jury entered, the clerk read the decision.
0:33:42 > 0:33:46Marin closed his eyes in despair when he heard the word "guilty."
0:33:46 > 0:33:51Out of desperation, Marin had attempted insurance fraud,
0:33:51 > 0:33:54but the jurors had found it to be a dangerous crime.
0:33:54 > 0:33:57He would not be eligible for parole
0:33:57 > 0:34:00and instead would be immediately taken into custody
0:34:00 > 0:34:02to await sentencing.
0:34:03 > 0:34:05After the verdict was read,
0:34:05 > 0:34:09Marin was witnessed burying his face in his hands.
0:34:09 > 0:34:11He was then seen to swallow something.
0:34:13 > 0:34:16Moments later, he collapsed.
0:34:19 > 0:34:23He was rushed to hospital but was pronounced dead on arrival.
0:34:25 > 0:34:29Investigators found a canister of sodium cyanide powder
0:34:29 > 0:34:32inside Marin's car.
0:34:32 > 0:34:38Three weeks later, the coroner confirmed suicide by cyanide poisoning.
0:34:38 > 0:34:41His attorney Andrew Clemency recounts the moments
0:34:41 > 0:34:44before Michael Marin's suicide.
0:34:44 > 0:34:47I would describe him as
0:34:47 > 0:34:50what you would expect under the circumstances.
0:34:50 > 0:34:55I didn't perceive his demeanour to be any different
0:34:55 > 0:34:59than you would expect for someone who was facing
0:34:59 > 0:35:01obviously that serious a situation.
0:35:01 > 0:35:05Michael Marin had clearly made the decision before the trial
0:35:05 > 0:35:08that he would rather end his life than go to prison.
0:35:10 > 0:35:14It's believed that he purchased the powder online months earlier
0:35:14 > 0:35:18and fashioned it into capsules should he be found guilty.
0:35:18 > 0:35:23Marin's desperate attempt to defraud his insurers had unravelled
0:35:23 > 0:35:24and ended in tragedy.
0:35:30 > 0:35:33Home insurance offers us peace of mind that should anything
0:35:33 > 0:35:36happen to our valuables, no matter how big or small,
0:35:36 > 0:35:39they're protected, but fraudsters continue to exhibit
0:35:39 > 0:35:43a shameless attitude, concocting ever more creative tales
0:35:43 > 0:35:45in an effort to make a quick buck
0:35:45 > 0:35:47at the expense of insurance companies.
0:35:50 > 0:35:53There are thousands of home insurance claims made
0:35:53 > 0:35:55every single year in the UK,
0:35:55 > 0:35:59so people like John Beadle have their hands full.
0:35:59 > 0:36:02John is the head of UK counter fraud for insurers RSA
0:36:02 > 0:36:05and he was asked to review one particular case
0:36:05 > 0:36:06that smelt a bit fishy.
0:36:07 > 0:36:10This was a rather unusual one.
0:36:10 > 0:36:14This was where our policyholder claimed that his young son
0:36:14 > 0:36:18had launched a fish finger loaded with tomato ketchup
0:36:18 > 0:36:23at a very valuable painting that was hanging nearby,
0:36:23 > 0:36:27which was valued at some £12,500.
0:36:29 > 0:36:32So I think it would be fair to say this was one of the more
0:36:32 > 0:36:34unusual claims that we received.
0:36:34 > 0:36:37An unfortunate breadcrumb blunder,
0:36:37 > 0:36:39but it wasn't long before the finger of suspicion
0:36:39 > 0:36:42was pointing the customer's way.
0:36:42 > 0:36:45We asked the gentleman if he had a receipt
0:36:45 > 0:36:49and he supplied one that looked very amateurish,
0:36:49 > 0:36:52as though he'd written it himself.
0:36:52 > 0:36:55Suspecting the claimant was attempting a saucy swindle,
0:36:55 > 0:36:58John's team dug a little deeper.
0:36:58 > 0:37:02To our surprise, during that research we were able to establish
0:37:02 > 0:37:06that our policyholder was indeed the artist
0:37:06 > 0:37:09and had painted the picture himself.
0:37:10 > 0:37:12A shocking revelation,
0:37:12 > 0:37:18which left the eye-watering claim of £12,500 dead in the water.
0:37:18 > 0:37:22When we confronted him with the fact that he was indeed the artist,
0:37:22 > 0:37:24he still initially denied it,
0:37:24 > 0:37:28but nevertheless he withdrew his claim on the basis
0:37:28 > 0:37:31that he now knew how to clean the painting.
0:37:31 > 0:37:33Very convenient!
0:37:33 > 0:37:37It would seem that the claimant was simply trying to CANVAS his way
0:37:37 > 0:37:39into some serious cash.
0:37:39 > 0:37:43It was quite surprising that he should have been quite so brazen
0:37:43 > 0:37:48in trying to claim this amount of money for the painting
0:37:48 > 0:37:52and I think this was an opportunist's attempt to claim money
0:37:52 > 0:37:55to which he wasn't really entitled.
0:37:55 > 0:37:59The outcome is we didn't pay the claim and we cancelled his policy.
0:38:01 > 0:38:04This masquerading Monet had a lucky escape
0:38:04 > 0:38:08and this case just goes to prove that it doesn't pay to underestimate
0:38:08 > 0:38:12the lengths insurers will go to identify and stop potential fraud.
0:38:18 > 0:38:21Now, earlier we followed Neil Thomas from Accident Exchange
0:38:21 > 0:38:24on a mission to Africa to retrieve a stolen Lexus 4x4
0:38:24 > 0:38:28which had been obtained with a bogus car insurance claim.
0:38:28 > 0:38:30Thanks to a hi-tech tracker fitted to the Lexus,
0:38:30 > 0:38:33a huge criminal operation had been uncovered
0:38:33 > 0:38:36leading to the discovery of dozens of vehicles
0:38:36 > 0:38:39that had been stolen from UK roads.
0:38:39 > 0:38:40Authorities seized the vehicles
0:38:40 > 0:38:43and loaded them on a cargo ship bound for the UK,
0:38:43 > 0:38:46and they were attracting quite a bit of attention en route.
0:38:50 > 0:38:53A haul of 28 luxury cars stolen to order
0:38:53 > 0:38:56have been recovered by police at Southampton docks
0:38:56 > 0:39:00in what authorities say is one of the biggest recoveries of its kind.
0:39:00 > 0:39:06On 22nd March 2016, almost a year after illegally leaving the UK,
0:39:06 > 0:39:10the cars sailed into Southampton, eagerly awaited by Neil
0:39:10 > 0:39:14and officers from the National Vehicle Crime Intelligence Service.
0:39:14 > 0:39:17So this really is an unprecedented international operation,
0:39:17 > 0:39:22working with the National Crime Agency, NaVCIS, who are the police,
0:39:22 > 0:39:27Interpol and the Ugandan authorities.
0:39:28 > 0:39:32This is the first time that cars have been repatriated from Africa,
0:39:32 > 0:39:34but it's more than the Lexus. It's more than one car.
0:39:34 > 0:39:37It's 20-plus cars that are coming back,
0:39:37 > 0:39:39all with victims, all of which started in the UK.
0:39:41 > 0:39:44The vehicles are carefully unloaded.
0:39:44 > 0:39:47The final container to be opened contains the Lexus.
0:39:47 > 0:39:52Neil and NaVCIS police officer Nathan Ricketts watch and anxiously wait.
0:39:55 > 0:39:59This is the Lexus. This is the first time we've seen it
0:39:59 > 0:40:00since it's been back in the UK.
0:40:00 > 0:40:04Looks very dusty but well strapped in.
0:40:04 > 0:40:07Certainly better strapped in than it was with the thieves, I would guess.
0:40:07 > 0:40:08Great to see it back.
0:40:11 > 0:40:15Having travelled around 30,000 miles across six countries,
0:40:15 > 0:40:19the Lexus is finally back in Neil's possession,
0:40:19 > 0:40:22giving him the opportunity to give it a proper once-over.
0:40:24 > 0:40:27A little bit of cosmetic damage, a few scuffs,
0:40:27 > 0:40:29but the general condition,
0:40:29 > 0:40:34considering the amount of miles it's covered, is absolutely amazing.
0:40:34 > 0:40:38This was done by a professional gang changing the identity
0:40:38 > 0:40:41and they looked to get as much money as they can from reselling the car,
0:40:41 > 0:40:46and with this, probably, they'd probably get £30,000-£40,000.
0:40:46 > 0:40:49And that's just one car.
0:40:49 > 0:40:53It's estimated that collectively over £700,000 worth of vehicles
0:40:53 > 0:40:56have been repatriated.
0:40:56 > 0:40:59Nathan is the NaVCIS officer in charge of receiving
0:40:59 > 0:41:00the rest of the high-end motors.
0:41:03 > 0:41:05That container was the last container
0:41:05 > 0:41:08for us to open and remove the cars.
0:41:08 > 0:41:09That's the car that started all this off.
0:41:09 > 0:41:13If there wasn't a tracking device in it, we wouldn't have all the vehicles here that we can see.
0:41:13 > 0:41:17The recovery of these vehicles will hit the gang hard.
0:41:17 > 0:41:19The disruption in relation to criminality has been huge.
0:41:19 > 0:41:21The criminals have lost their profit.
0:41:21 > 0:41:24They've sent those vehicles there to be sold to make their money.
0:41:24 > 0:41:26We've taken them vehicles back now,
0:41:26 > 0:41:28so there's frustrating members of that group,
0:41:28 > 0:41:29there will be infighting, arguing,
0:41:29 > 0:41:33people who've paid out on vehicles and they haven't got them because we've taken them.
0:41:33 > 0:41:37The repatriation is not only good news for the owners of the vehicles,
0:41:37 > 0:41:39but also UK motor insurers,
0:41:39 > 0:41:42who very nearly lost hundreds of thousands of pounds.
0:41:42 > 0:41:43The benefit to the UK as well,
0:41:43 > 0:41:46the insurance industry will be getting obviously the massive losses
0:41:46 > 0:41:48that they pay out on these vehicles,
0:41:48 > 0:41:50a big chunk of money will be coming back to them,
0:41:50 > 0:41:52and four vehicles actually didn't have an insurance pay-out,
0:41:52 > 0:41:54so four people are going to get their cars back.
0:41:54 > 0:41:57I'm really satisfied with how this has gone, but I know
0:41:57 > 0:41:59there's a lot more work to do and I think we've got more work
0:41:59 > 0:42:02to get stuck into to identify and arrest the people involved.
0:42:02 > 0:42:05From the thieves' point of view, this should send a strong signal
0:42:05 > 0:42:07that they can be tracked globally
0:42:07 > 0:42:09and we're bringing the fight to them.
0:42:09 > 0:42:12And there's one particular individual who investigators
0:42:12 > 0:42:16are very keen to locate and that's the claimant who submitted
0:42:16 > 0:42:20the fraudulent insurance claim to get his hands on the Lexus
0:42:20 > 0:42:22that started this entire investigation.
0:42:22 > 0:42:26To this date, we haven't been able to get in touch with the client.
0:42:26 > 0:42:27He has disappeared,
0:42:27 > 0:42:31so I'm convinced that he'll have a few questions to answer
0:42:31 > 0:42:34when the police finally catch up with him.
0:42:39 > 0:42:41Whether it's exaggerating real injuries,
0:42:41 > 0:42:43totally making up a story for a dodgy claim
0:42:43 > 0:42:47or masterminding insurance fraud on an industrial scale,
0:42:47 > 0:42:49insurers are coming down hard on the people
0:42:49 > 0:42:54who think they can make a quick buck with their insurance scams and cons,
0:42:54 > 0:42:56but the fraudsters need to think again
0:42:56 > 0:42:59as more of them than ever before are being caught in the act
0:42:59 > 0:43:01and Claimed and Shamed.