Most who claim from their insurance have a genuine reason to do so. However, there are a few who attempt to pull a swift one on their provider.
Insurance fraud costs companies tens of millions of dollars each year, but in the end those costs get passed on to you, the policy holder. Fraudsters just keep coming up with creative and outrageous scams. Here are some of the claims that made it into the insurance fraud's hall of shame.
The canoe man
Subsequently dubbed as "the canoe man", John Darwin became famous for all the wrong reasons in 2007.
Darwin's wife, Anne, was paid £680,000 ($1.06 million) in life insurance claims after he disappeared in an apparent canoeing accident back in 2002.
Crippled by debt, the couple realised that their obligations would be wiped out if he faked his own death.
Upon payment, Darwin lived rough for a while but then spent some considerable time outside of his native UK and he and his wife began to live the high life. He later turned himself in to British police claiming that he had no recollection of what happened since the "accident" five years earlier.
Subsequently, the authorities were happy to jog his memory by showing Darwin pictures of himself and his wife buying property in Panama. The couple were promptly gaoled.
Clayton and Molly Daniels
Although it didn't deter the insurers in the John Darwin case, one of the issues with faking your own death is in the lack of a body. This was a problem tackled in a creative way by Texans, Clayton and Molly Daniels, in 2005 when the couple proceeded to dig up a corpse from a local cemetery and place it in their burning car. Clayton would then disappear, leaving Molly to collect the $110,000 payout, before he would later reappear as her new boyfriend.
Their endeavours were elaborate – she researched into how to burn a body effectively, even seeking tips on how to defraud an insurer. There was just one gaping flaw in their plan, however – the body used in the crime was that of an 81 year old woman, which DNA testing later confirmed what the police suspected.
A destination wedding in the Caribbean went awry when the bride got too close to a barbeque, setting her gown alight. In a desperate move to save her, the groom quickly picked up his new wife and dropped her into the sea.
Both the groom's suit and bride's dress were destroyed, but at least the travel insurance provider came through and we can only hope the couple had better luck in their marriage than on their big day.
Possibly the worst art insurance fraudster award goes to US man, Jason Sheedy, who made a $275,000 claim for valuable pieces by Rembrandt and Salvador Dali among others in 2007. He was paid out, but then proceeded to break the fraudster's golden rule – he attempted to sell the pieces again.
The artwork had merely been pawned and when it appeared at a major auction house some time later with his name listed as the owner and vendor, the magic of the insurance database uncovered the deception.
While returning to his car from a plant nursery, a US man saw a camel kick his car leaving a sizeable dent. Fortunately, the bizarre event was caught on film and the insurer paid up.
While camels are not common on Australian roads, car accidents certainly are. Make sure you are covered by comparing car insurance on RateCity. It may not save you from a stray camel, but it will likely save you money.