In Vehicle camera systems are now regarded in the top 5 of the best solutions to help reduce your Fleet insurance…..

by TTWpartners

Fleet Management

In Vehicle camera systems are now regarded in the top 5 of the best solutions to help reduce your Fleet insurance…..

Insurance premiums have continued to rise, long after the financial contraction which first squeezed the underwriting markets started to ease.

Comparison figures for commercial insurance are hard to come by, but consumer comprehensive insurance has gone up by a staggering 40% between March 2010 and March 2011, according to the AA’s British Insurance Premium Index.

However, there are actions fleets can take to control costs.

There are two factors controlling premiums. One is claims history; the other is putting together a convincing package of measures which will convince an underwriter your future risk will be lower.

Tim Carder, underwriting director for Towergate Underwriting Transportation, says: “I want to hear a positive story which convinces me to offer a competitive rate – but you have to be serious about risk management. Paying lip service to it doesn’t work.”

Best practice advice from the insurance sector to keep your premiums low

Risk management begins with risk assessment Work with your insurer to analyse your claims history and highlight areas for improvement.

“Make employees aware that you will monitor accidents and take action where necessary, such as retraining,” says Richard Flint, head of transport at North Yorkshire Police.

2 Driver training Many insurers offer driver training programmes through partners – such as Zurich with suppliers like Greenroad – and all will take into account defensive driver training.

Not all insurers give upfront discounts but an improved claims record should be swiftly recognised.

3 Manage young drivers Mike Smith, commercial motor technical manager at Aviva, makes the point that young drivers, aged 17-20, are twice as likely to make an insurance claim as any other driver, and on average the claims cost will be three times higher, and 10 times more likely to involve severe bodily injury.

“Look closely at your policies for young drivers. Many young driver claims happen at night, so are young drivers allowed your vehicles for personal use? Review your procedures for training young drivers,” he says.

4 Combine insurances Insurers like Fusion, part of the Towergate group, offer combined public liability, employee liability and fleet insurance.

“This can offer economies of scale,” says Carder.

5 Use camera technology Forward facing cameras can provide invaluable data for defending claims or swiftly settling at-fault claims. They are particularly effective against crash-for-cash scenarios; organised  fraudulent vehicular claims currently costs the industry £350m a year.

6 Renew policies in good time and after proper review Don’t pay for unnecessary extras. “Don’t take windscreen cover; it’s as cheap for you to replace as for your insurer, so why pay the middleman?” says Fleet Cover broker Paul Greenwood.

7 Self-insure – or at least raise your excess “We only cover for third party,” says Phil Redman, fleet manager at IBM UK.

8 Provide good vehicle security “We pay a lower premium because we have Cybit trackers hidden in every van so if it’s stolen we can pinpoint its location instantly,” says Rob Paddock, logistics and distribution manager at Commercial Group.

9 Telematics The business case for telematics in car fleets may be less compelling than for vans and HGVs – but, says Carder, “if you have it, make sure you put the time in to exploit the health and safety benefits”.

Action to take to reduce the cost of insurance claims

1 Claim fast (part one) Mike Smith, commercial motor technical manager at Aviva says: “The average cost of bodily injury claims is increasing by 30% every year. Ensure drivers report claims, especially fault claims involving third parties, immediately. It really is case of every hour counts.” In cases of injury, insurers often even have preferred doctor and rehab arrangements, where costs can be controlled.

2 Claim fast (part two) Even in non-injury cases, third parties can be given expensive credit hire vehicles which are then charged back to your insurer. The sooner you claim, the more control insurers have over costs.

3 Claim fast (part three) The Ministry for Justice brought in new rules, giving insurers 15 days for information gathering leading to fast, non-litigious resolution. Break the deadline and costs spiral.

4 Be honest and encourage drivers to be honest Tim Carding, underwriting director at Towergate Underwriting Transportation, says: “If you are at fault say so. The longer you fight a battle you know you’ll eventually lose, the more it costs.”

5 Tracking can help with this speed as well as duty of care Paddock says when one of his vans had a collision: “I was there before the police were because the tracking pinpointed it to a couple of yards.”

Original Article can be found here

Dash-cam footage is the only real way to substantiate your claims in the court of law

by TTWpartners


Dash-cam footage is the only real way to substantiate your claims in the court of law. Forget witnesses. Hit and runs are very common and insurance companies notoriously specialize in denying claims. Two-way insurance coverage is very expensive and almost completely unavailable for vehicles over ten years old-the drivers can only get basic liability. Get into a minor or major accident and expect the other party to lie to the police or better yet, flee after rear-ending you. Since your insurance won’t pay unless the offender is found and sued, you’ll see dash-cam videos of post hit and run pursuits for plate numbers.

And sometimes drivers back up or bump their pre-dented car into yours. It used to be a mob thing, with the accident-staging specialists working in groups. After the “accident,” the offending driver — often an elderly lady — is confronted by a crowd of “witnesses,” psychologically pressured and intimidated to pay up cash on the spot. Since the Age of the Dash-cam, hustle has withered from a flourishing enterprise to a dying trade, mainly thriving in the provinces where dash-cams are less prevalent.

Dash-cam Supercut

The Mi Witness Dashboard camera is the perfect solution to protect yourself against false claims. Insurance fraud has existed ever since the beginning of insurance as a commercial enterprise.[1] Fraudulent claims account for a significant portion of all claims received by insurers, and cost billions of dollars annually. Types of insurance fraud are very diverse, and occur in all areas of insurance. Insurance crimes also range in severity, from slightly exaggerating claims to deliberately causing accidents or damage. Fraudulent activities also affect the lives of innocent people, both directly through accidental or purposeful injury or damage, and indirectly as these crimes cause insurance premiums to be higher. Insurance fraud poses a very significant problem, and governments and other organizations are making efforts to deter such activities.

In-Vehicle Cameras – A Useful Tool in Fleet Safety Management

by TTWpartners

In-Vehicle Cameras – A Useful Tool in Fleet Safety Management

Once a taboo that sparked discussion of Big Brother and scared many employees, camera systems have finally come into the norm and are being recognized by employers as a useful tool in their fleet safety management efforts. Drivers have come to realize that, in the absence of other evidence, having a camera onboard may influence a positive outcome in the case of an accident.
While actual results will vary depending on your fleet size, vehicle type, etc., it has been reported from various groups that camera systems can reduce at-risk driving behaviors by 50-70%. By reducing the at-risk behavior, the likelihood of an accident is also reduced.

Many factors go into selecting a camera system. Some of the more important items to consider are:

•    First and foremost before installing a camera system in fleet vehicles, be sure to consult legal counsel to establish the legality of such a system.  This is especially true in for-hire circumstances when the general public is transported.

•    Cameras are available in many different configurations with various options, settings and sensors. Do you need inward as well as forward facing cameras? Do you need a sensor system that will detect all angles or just one? With a sensor that detects all angles, you will most likely be able to capture excessive swerving and erratic turns while just a single sensor will most likely just capture hard breaking, hard acceleration and impact. Do you need a GPS? While this feature is standard in many models, don’t assume all cameras are so equipped.

•    One of the first things to consider is how the data will be retrieved from the camera. Depending on the quality and frame rate settings, the files can become quite large. Couple that with a driver who creates numerous events and the resulting data files can become massive.  Additionally, downloading data automatically via WiFi brings a multitude of technical issues and may even pose a problem with network capabilities, so be sure to ascertain compatibility before purchasing a particular system.

•    Durability and tamper resistance are important factors to consider when selecting a camera.  Regardless of the amount of education and training an employee receives, there will be some who may fear or feel intimidated by the presence of an onboard camera.  Be certain to choose a camera that will withstand long-term use as well as be resistant to any alteration which will compromise the integrity of the system.

In closing, there are many options available when it comes to onboard camera systems.  Determine your needs and research all avenues.  And be certain to “test drive” any system prior to purchasing to avoid an unwise investment.

article source

If you need advise on vehicle cameras for your Fleet, please call us on 01159 599 995 for the Mi Witness Range

Report reveals ‘Crash for Cash’ fraud costs UK motorists £392 million

by TTWpartners


‘Crash for Cash’ fraudsters are “gambling with the lives of UK motorists” and costing honest policyholders nearly £400 million every year, according to a new report published today by the Insurance Fraud Bureau (IFB).

Established to clamp down on Crash for Cash’ scams, the IFB links one in seven personal injury claims (69,500) to organised fraud in its new report, ‘Crash for Cash – putting the brakes on fraud’. The report urges members of the public to blow the whistle on ‘Crash for Cash’ fraudsters by calling the Cheatline – powered by Crimestoppers – anonymously, on 0800 422 0421.

David Neave, chairman of the IFB, said: “Fraudsters don’t just scam the insurance industry; they pick the pocket of every honest policyholder whose premiums increase to cover the costs of fraud. But in ‘Crash for Cash’, insurance fraud poses even starker risks to society. Fraudsters motivated by greed are gambling with the lives of innocent motorists by deliberately causing crashes up and down the country.

“Criminal gangs organising multi-million pound ‘Crash for Cash’ scams are also using the profits of their fraud to fund other crimes plaguing our society, including illegal firearms, drug dealing and people trafficking. Far from being a victimless crime, insurance fraud is serious and something we all need to be wary of.”

The IFB is currently coordinating 40 live police operations across the UK, investigating and dismantling criminal gangs organising ‘Crash for Cash’ scams worth £66.6 million in potential loses to insurers.

DCI Dave Wood, head of the Insurance Fraud Enforcement Department (IFED) – a dedicated police unit tackling insurance fraudsters across the UK – said: “‘Crash for Cash’ is a crime this country can ill-afford, putting innocent drivers at risk on our roads and leaving honest policyholders out of pocket.

“IFED’s first year in operation has found that although methods can vary, the objective remains the same, with organised crime groups stopping at nothing in their attempts to con insurers out of tens of thousands of pounds per incident.

“The IFB’s report sheds light on the murky world of ‘Crash for Cash’, spelling out the clear threats it continues to pose to the public and assisting the work IFED are doing to bring those responsible to justice.”

Craig Budsworth, chair of the Motor Accident Solicitors Society (MASS) said: “The Insurance Fraud Bureau report makes astonishing reading and confirms exactly what we have suspected for some time – that organised criminal gangs are responsible for 1 in 7 personal injury claims relating to motor accidents. According to a recent report, injury claims came down nearly 25,000 last year and this could be nearly tripled by stamping out fraud.

The report also confirms that the vast majority of whiplash claims are legitimate and any future action to combat fraud by the Ministry of Justice must protect these accident victims.

Every support must be given to the authorities to ensure that these 40 or so criminal gangs are brought to justice as soon as possible to protect innocent accident victims. Regulators have insufficient resources to help combat this crime and so it’s vital we all work together.  The industry needs a collaborative approach to stamp out this type of crime and MASS looks forward to working with the IFB and the ABI on data sharing at an early stage.

MASS have suggested a range of solutions to tackle fraud. No medical, no damages would substantially reduce the opportunity for fraud and action must be taken on this.”

Author
Fleet News, please see the original article here:

Police Witnes Latest News:

by TTWpartners


More and more people are capturing acts of dangerous driving on their in-car cameras, but as is usually the case the police are unwilling to take action. That is of course unless the incident is reported via us. We have a proven track record, not just in changing decisions made by the police, but being directly responsible for fixed penalties and notice of intent of prosecutions being issued and actual prosecutions being pursued. A landmark case will be heard on March 6th, where Northants Police are pursuing a dangerous driving prosecution captured on video by a member of public, and reported via our service.

Our success is possible due to decades of both frontline and strategic policing experience, PoliceWitness.com utilises its knowledge and understanding of the police, the law and prosecution proceedings to ensure acts such as dangerous driving and anti-social behavior and reported in a way that secures the best possible outcome. We challenge decisions made, often by in-experienced police officers, with favorable outcomes for those reporting.

By ensuring your customers understand that there is support and assistance available should they capture acts of poor driving on your in-car cameras, you further enhance your proposition and customer service, but also provide an additional reason to continue using your product daily.

These guys can help you build a case with the video evidence from your Mi Witness Accident Camera

for more information please visit here

Crash For Cash Scams on the increase…

by TTWpartners

There are 30,000 staged accidents ‘Cash For Crash’ in the UK, per year
There are 1,300 claims ‘every day’, for whiplash (BBC June 2012 reported a 30% increase)
Crash for Cash describes the event whereby one or more parties are willingly involved in a Road Traffic Accident for financial benefit.The law in the UK entitles those injured in car accidents that were not their fault to claim Personal Injury compensation.  This has lead to fraudsters deliberately involving themselves in car accidents.  Innocent drivers have found themselves victims of accidents that were caused by the other driver on purpose, although this is often very difficult to prove.There has been press attention drawn to recent events in the UK involving Crash for Cash fraud. Evidence has shown that tactics such as removing brake bulbs on a vehicle to cause an innocent driver to crash in to the back of a car have been used.  The Crash for Cash fraudsters know that rear end collisions are rarely disputed by the drivers insurance company, and use this to their advantage when making a claim.  It is almost impossible to prove that the brake lights on the car that was hit were not working before the accident occurred.  This will probably result in the fraudster winning their insurance claim and being awarder personal injury compensation and other damages.Following an accident, the fraudsters will exaggerate their injuries in order to claim personal injury compensation.  Some criminals will carry passengers when causing the Crash for Cash accident, this will allow them to make multiple personal injury claims.  This type of fraud costs every insured driver in the UK money. Criminal gangs and individuals have made fraudulent claims amounting to tens of millions of pounds a year.House of Claims has had incidents reported where drivers of large vehicles have reversed at speed trying to crash in to the car behind them.  The shocked driver told us that a driver of a 4×4 vehicle looked at him in the rear view mirror before braking suddenly.  When the driver avoided the accident by stopping in time, the fraudster attempted to crash in to him by reversing at speed.  The Crash for Cash fraudsters know that it is almost impossible for the victimised driver to prove that they did not drive straight in to the back of their car.

How can I avoid being a victim of Cash for Cash fraud?

Fraudsters may find it easier to target you when you aren’t concentrating on driving. Using a mobile phone whilst driving, sending text messages, eating whilst driving, are all to be avoided.  If you are not concentrating on your driving 100 per cent, that may be the time the car in front of you brakes heavily and causes an accident. Keep your eyes on the road at all times, don’t become distracted when driving.  Keep plenty of space between you and the car in front, and allow even more room in wet weather conditions.

Have you been Flashed?

Cash for Crash fraudsters have been known to flash their headlights to make an innocent driver believe that they have been given permission to pull out from a turning. They will then continue without braking and hit the other driver, causing an accident. The victim of the Crash for Cash incident will find it virtually impossible to prove that they were given permission to pull out.  By causing an unavoidable obstruction the victim of the scam will be held liable when the fraudster makes a claim.

House of Claims advises you always to proceed with caution when exiting from side roads. If you think that you have been given way by another driver, take care and consider if it is safe to proceed before doing so. If an accident occurs they will probably blame you, so think carefully.

What to do if you’ve been victim of a Crash for Cash accident.

If you think that you have been victim of a Crash for Cash accident:

Report the incident in detail to the police as soon as possible. Make sure you give all the details as they will help your case in the future.

Make sure you obtain a Crime Reference Number from the police.

Let your insurer know that you believe the accident was caused deliberately, and tell them why you think so.

Operation Catcher – Advice to companies, operating vehicles within the M25, who are the victims of deliberately induced road collisions.
The Metropolitan Police area is one of a number of regions within the UK that is experiencing a high level of deliberately induced road collisions.

Organised criminal groups are targeting companies who operate vehicle fleets within the M25 area by deliberately causing collisions in order to defraud their insurers. Operation Catcher is a Metropolitan Police initiative, intended to identify an offence when it happens, prosecute the offenders and, as a result, reduce the incidence of this type of crime.

What are the features of an induced collision?
• The criminals will use two cars to target their victim. These cars will get ahead of the Company vehicle in steady moving traffic, the first will then brake hard or make an unexpected manoeuvre, this will cause the second car to brake hard (often using the handbrake to avoid alerting the intended victim) and result in a collision.

• The first car will make off while the second, now damaged car will stop. The occupants of this second car will make a point of blaming the car that has made off and appear to sympathise with their victim – you.
• The criminals are most frequently from the Asian community – Afghan, Bangladesh or Pakistani. (Not exclusively but a common feature in London)
• There will often be at least three occupants in the car.
• Driver details are often already written down and insurance and registration documents are carried in their car.
• The driver will speak English while the other occupants do not.
It should be noted that these features are a guide only and all elements may not be present at every induced collision. Extract from Operation Catcher press release from Metropolitan Police.

The top twenty areas in the UK affected by crash for cash activity have been published. Crash for cash is when fraudsters cause car crashes with innocent motorists to get insurance payouts.

The hotspots have been published by the Insurance Fraud Bureau (IFB), who are also working with law enforcement to crack down on insurance fraud, of which crash for cash is one type. Operations to date have resulted in more than 486 arrests, 119 criminal convictions and sentences that have included over 91 years imprisonment.

The top twenty crash for cash hotspots are listed by post area:

  • Birmingham (B)
  • Sheffield (S)
  • Manchester (M)
  • Nottingham (NG)
  • Cardiff (CF)
  • Liverpool (L)
  • Newcastle-upon-Tyne (NE)
  • Leicester (LE)
  • Bristol (BS)
  • London South-East (SE)
  • London East (E)
  • Coventry (CV)
  • Glasgow (G)
  • London North (N)
  • Peterborough (PE)
  • Leeds (LS)
  • Brighton (BN)
  • Reading (RG)
  • Guildford (GU)
  • Portsmouth (PO)

Mi-Witness is now on facebook

by TTWpartners

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Mi-Witness is now on Facebook, please subscribe to all our latest news posts here

Mi-Witness – MI-Viewer Android App just released

by TTWpartners


Mi-viewer-app

MI-Viewer Android App just released:

MI Viewer App is a simple tool that allows you to view & play back all the video files contained on the Mi-Witness device via a smartphone. This means that you can view all the files in your car, without having to take the sd card out and plugging it into to your pc.

•We have tested the android app software on the latest android phones, but we can’t 100% guarantee that it will work on every android based phone on the market.

You can now download this direct from Google Play here

CCTV protection call from Nottingham taxi drivers

by TTWpartners

CCTV protection call from Nottingham taxi drivers

A community action group is calling for thousands of CCTV cameras to be installed in Nottingham taxis to prevent attacks on drivers.

Nottingham Citizens is appealing for an allocation of £90,000 to fund the cameras.

A survey of 130 taxi drivers over a week in October found reports of 1,900 abusive or insulting passengers with 166 assaults, the group said.

The survey also recorded 1,400 threats and 180 damaged vehicles.

One taxi driver, Nassar Ahmed, said he had been hit and beaten by two passengers.

“Two chaps approached me and started hitting me and punching me – I got a busted lip and nose and went into hospital,” he said.

‘Car was destroyed’

Another driver, Ali Ibrahim, said: “It was so scary. One hit my face and smashed face. They got weapons like ball bats and golf sticks and hammered the car.

“The car was destroyed – all the glass front and back.”

Community organiser George Gabriel, of Nottingham Citizens, said: “I was horrified by what we found.

“Nottingham is as safe a city as it has been for 10 years, but there are still pockets of the city which are unsafe and one of them is the night-time economy.

“Our proposal is for the new police commissioner to put £90,000 in match funding to provide CCTV in taxis throughout the city.”

Private hire taxi firm DG Cars has already installed 300 CCTV cameras in its fleet of 450 cars.

Nottingham Citizens is a branch of UK Citizens, which has members representing faith groups, universities, colleges, schools, trade unions, and community groups.

Nottingham Police was not available for comment.

Read the full article here

Looking for Mi-Witness authorised resellers contact us now

by TTWpartners

We are now looking for Authorised re sellers for the Mi-Witness HD. We are offering great trade prices and incentives.
Please just give us a call on 01159 599 995 to inquire and to receive our trade application form and trade prices.

Mi-Witness – Installed in a Aston Martin v12 Vantage

by TTWpartners

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A quick interior shot of the Mi-Witness in a customers Aston Martin V12 Vantage. This was installed using our smart power hard wire lead. It fits perfectly just behind the rear view mirror cluster

In Vehicle Cameras Can Reduce Your Car Insurance Premium & Speed Up Claims

by TTWpartners

The NEW MI Witness HD camera can reduce your car insurance premium and will speed up your insurance claim.


Car insurance fraud is on the increase, Cash for Crash as it is known, can affect anybody and more and more resources are being channeled into investigating insurance fraud. There are several dedicated authorities such as the Insurance Fraud Bureau, even the Association of British Insurers (ABI) have set up a frauds database.

With the advent of in vehicle camera systems motorists have never been better protected and honest motorists can now fight back with a vengeance. In any vehicle crash, there is a risk that third parties will either incorrectly recall or deliberately attempt to misrepresent what actually happened and this can be easily countered if you have video footage of the accident.

Video evidence from the MI Witness can assist your car insurance company to process your claim more efficiently and it prevents a stand off scenario whereby your insurer and that of the other driver are unable to agree which party was at fault.

Private individuals, especially young drivers where premiums can be high, can benefit financially via lowered premiums. Fleet vehicles are good candidates for this kind of protection given their high annual mileage.

It has always been logical for car insurance companies to support the use of in-car cameras as the video evidence will help to settle a claim quickly and more cost-effectively but until recently the only insurance companies that embraced this technology were insurers of fleet vehicles such as HGVs.

Adrian Flux now offering customers up to 15% off their insurance with a Mi Witness HD Accident Camera

by TTWpartners

adrian-flux_logo

Adrian Flux will now offer all their drivers up to 15% off their annual insurance if they install the Mi Witness HD Accident camera! This is the perfect tool to combat false insurance claims.

Crash-for-cash scams are costing honest motorists nearly £400m a year in inflated insurance premiums

by TTWpartners

Article taken from – Mail Online – 22nd Nov 2012 – Read The full Article Here


- Car insurance fraud on the rise, says watchdog

- One in seven injury claims linked to organised crime   

- ’381 fraudulent claims a day’ says insurers’ body

The growing ‘Crash for Cash’ phenomenon sees criminal gangs deliberately causing crashes with innocent motorists and faking accidents across the UK to make fraudulent insurance claims.

The fraudsters then make money by submitting exaggerated claims for faked or staged accidents – including personal injury and loss of earnings, car hire and damage repair, even claims for bogus passengers.

The report by the Insurance Fraud Bureau (IFB) says about 40 ‘Crash for Cash’ gangs are currently under investigation across UK.

Each organised scam is worth on average £1.7million.

Its report called ‘Crash for Cash – putting the brakes on fraud’ says one in every seven personal injury claims – 69,500 in total – are linked  to organised crime.

It notes: ’These Cash for Cash fraudsters are gambling with the lives of UK motorists and costing honest policyholders nearly £400 million every year.’

‘The financial consequence is that every honest policyholder picks up the collective bill for the fraud through increased premiums’.

Across the UK’s 33 million motorists, the cash-for crash scams alone will add about £1.33 onto every policy – as part of more general £3billion a year insurance fraud which adds up to £50 a year to individual household premiums.

Worryingly, it cites research showing that 1 in 12 (8 per cent) people would actually consider taking part in a ‘Crash for Cash’ scam for financial gain.

The report says the most dangerous faked accident takes the form of a criminal’s car pulling in front and suddenly slamming on the brakes so that the innocent driver behind crashes into them in a rear  end shunt and becomes the ‘at fault’ driver. Fake witnesses then emerge from an accomplice’s car.

The report notes: ’Fraudsters often disable brake lights on their vehicles to give the unsuspecting victim no chance of stopping in time.’

But it adds: ’By targeting motorists on UK roads, fraudsters are gambling with the lives of innocent people.’

In another twist, two criminals may also deliberately crash their vehicles together – away from the public eye – and make a claim: ’Sometimes the fraudster may just take a sledgehammer to the  vehicles to mimic the effects of a genuine car crash.’

Or they may simply submit a ‘ghost accident’ submitting fabricated claims for accidents that never took place.

The Insurance Fraud Bureau (IFB) was established by the insurance industry to clamp down on criminal gangs masterminding such abuses.

Its chairman David Neave said: ‘Fraudsters don’t just scam the insurance industry, they pick the pocket of every honest policyholder whose premiums increase to cover the costs of fraud.

‘But in ‘Crash for Cash’, insurance fraud poses even starker risks to society. Fraudsters motivated by greed are gambling with the lives of innocent motorists by deliberately causing crashes up and down the country.’

Mr Neave said: ’Criminal gangs organising multi-million pound ‘Crash for Cash’ scams are also using the profits of their fraud to fund other crimes plaguing our society, including illegal firearms, drug dealing and people trafficking.

‘Far from being a victimless crime, insurance fraud is serious and something of which we all need to be wary.’
Vigilant: Police have launched a crackdown on ‘Cash for Crash’ gangs

He said the IFB is currently coordinating 40 ‘live’ police operations across the UK, investigating and dismantling criminal gangs organising ‘Crash for Cash’ scams worth £66.6million in potential loses to insurers.

The ‘Crash for Cash’ report exposes the ‘murky’ methods of criminal gangs who actively recruit and coerce people from local communities to stage and induce crashes for cash payments.

It states: ‘The gangs’ webs of deceit run deep, with recovery and storage companies, motor engineers, car repair body shops, doctors and lawyers amongst the professionals being corrupted or duped into helping present genuine-looking claims to insurers.’

DCI Dave Wood, head of the Insurance Fraud Enforcement Department (IFED) – a dedicated police unit set up a year ago come January  to tackle insurance fraudsters across the UK – said criminal gangs  were seeking to ‘con insurers out of tens of thousands of pounds per incident’.

He said: ’Crash for Cash’ is a crime this country can ill-afford, putting innocent drivers at risk on our roads and leaving honest policyholders out of pocket.’

The report says 15 fraudulent insurance claims are uncovered in the UK every day.

Otto Thoresen, director general of the Association of British Insurer said: ’Each day insurers uncover 381 fraudulent insurance claims worth more than £2.7million.

‘That’s 2,670 fraudulent claims a week costing  honest customers £1billion a year.

‘But that is only the tip of the ice-berg. We estimate there is a further £2billion of undetected fraud – all of which is adding an extra £50 to the annual household insurance bill.’

City of London Police Assistant police Commissioner Ian Dyson said that so far this year: ’We have made close to 250 arrests on referrals from 50 different insurers.

‘From this we have secured seven convictions, including several custodial sentences, and at any one time have around £12million of insurance fraud under investigation.’

The report urges members of the public to blow the whistle on ‘by calling the Cheatline – powered by Crimestoppers – anonymously on 0800 422 0421.