Man made false claims against his mother's insurance policy.
The man’s mother was not involved in the two car crashes.
He claimed against his mother’s policy to avoid losing his no claims bonus and made the person hiring the car pay for the cost of the damage.
The City of London Police’s Insurance Fraud Enforcement Department (IFED) investigation resulted in 18 month suspended sentence.
On Thursday 22nd March 2018, Ahmed Khatib, 24, of Leicester received an 18-month suspended sentence and 100 hours community service at Leicester Crown Court after he pleaded guilty to fraud by false representation.
Fraud is brought to IFED's attention
Khatib’s fraudulent activity was first brought to IFED’s attention in June 2015 by insurance company Aviva. They had previously been contacted by Leicestershire Police who had become suspicious about the circumstances of a crash involving a vehicle registered to Khatib’s mother at the junction of Ethel Road and Wakerley Road, Leicester in April 2015.
Aviva were also suspicious about the crash and referred the case to IFED after Khatib had made a claim for £12,000, alleging that his mother was the sole occupant of the insured vehicle at the time of the crash. He was voluntarily interviewed by IFED about this crash claim on 5 November 2015.
When Aviva initially referred this case to IFED, they also provided information about another suspicious claim Khatib had made for £19,350 in September 2014 for a collision at the junction of Abbey Lane and Abbey Park Road in Leicester - again he alleged his mother was the driver at the time of the crash. Research by Aviva established clear similarities between the circumstances of both claims.
Aviva provide details of second fake claim
They then provided even more details in April 2016 about this claim which helped IFED examine it further. Following their investigation into the second claim, Khatib was interviewed voluntarily by IFED about this crash on 23rd August 2017.
The two claims related to collisions involving cars which were part of Khatib’s car hire company. IFED’s investigation uncovered that Khatib would hire the cars to members of the public in the Leicestershire area with a temporary insurance policy.
However, when the hirer had a genuine crash while in the vehicle, Khatib would make them pay for part of the repair costs by asking for the 'excess' contribution. When Khatib was asked to provide proof of the excess amount that was owed, he never did, but the hirer still paid him.
On top of getting the money from the customers, Khatib also attempted to make a financial gain by making false insurance claims with Aviva. He did this by incepting insurance policies on behalf of his mother for both cars, which included fully comprehensive cover, and then when a customer had a crash when driving one of the cars he would make a false claim against his mother’s policy.
Detective Sergeant Matthew Hussey of the City of London Police’s Insurance Fraud Enforcement Department (IFED), said:
“Khatib used his mother’s policy to take advantage of people involved in genuine crashes for his own financial gain.
“Car insurance fraud is not a victimless crime. Claims like those made by Khatib are responsible for the increasing insurance premiums for innocent members of the public.”
Carl Mather, Special Investigation Unit Manager, Aviva, said:
“This case shows that the police and insurers are working very closely to detect and prevent insurance fraud. As Mr Khatib now knows, insurers are not a soft target for fraud. The sentence handed down reflects the seriousness of his actions and the commitment by Aviva to uncover and present all available evidence to law enforcement partners.
“On top of his criminal record, Mr Khatib now faces the prospect of repaying the proceeds of his fraudulent actions, which should serve as a clear warning to others that insurance fraud will not be tolerated by police, insurers or the courts.”