Monday 13 July 2015

Caught On Camera: Insurance Cheats Slip Up

There has never been a riskier time to be an insurance cheat, according to the Association of British Insurers.
A record investment of £200m across the industry has led to record detections with 350 fraudsters being exposed each day.
The 120,000 detected cases last year represents a 9% rise on 2013 and has contributed to an overall saving to consumers.
Among those caught was a man who claimed to have broken his ankle after tripping on a defective drain cover.
He was filmed sprinting towards a river bank, before leaping into the water in front of cheering onlookers, earning him a fraud conviction.

Meanwhile, a postman was jailed for 18 months for claiming an accident at work had left him disabled, unable to dress himself, drive, or walk unaided.
He was later filmed performing at a music festival and a medical examination found no evidence of any lasting injuries following the accident.
Another man received a suspended jail sentence for a "slip-and-trip" ruse, pretending to fall over in a supermarket aisle to claim compensation.
CCTV caught the man sliding purposefully onto the floor, before being pushed away in a wheelchair.
The crackdown on cases has led to the average cost of comprehensive motor insurance falling 5% in 2014. Home contents insurance was down by 3%.
Malcolm Tarling, from the Association of British Insurers, said: "The vast majority of customers are honest but there are a fraudulent few out there who are pushing up the costs of insurance for everyone else
"We're spending over £200m a year in protecting honest customers.
"Cheats range from everything - the opportunist fraudster who puts in a claim for a stolen camera that wasn't stolen while on holiday, to the organised, premeditated fraudster committing staged motor accidents."
In 2014, motor insurance cheats made up the highest proportion of fraudulent claims at 67,000 - worth £835m.
But the number of liability insurance scams detected were up 75% to 19,800, worth £330m.
Meanwhile, detected property fraud saw a 29% decrease compared with 2013.
Chief Superintendent Dave Clark, head of the economic crime directorate at the City of London Police, said: "The unit takes the fight to fraudsters across England and Wales 365 days a year, with 1,150 arrests and voluntary interviews undertaken and many court convictions secured in just three and a half years."
Personal injury lawyers stress however that the vast majority of insurance claims are honest and legitimate.
Tristan Hallam, from Slater and Gordon's Solicitors, told Sky News that the legal profession has a duty to its clients to filter out the fraudsters before they end up before the courts.

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