if indeed there is anything to be done? Cousin is going to lie on her insurance claim...

[LastOfTheMulledWine]

Cousin has been burgled which is bloody awful. They took electrical stuff, tv, computer, games console etc.

She is going to claim for all of this and on top of it a couple of digital cameras, an extra games console, dvd player. An extra 1k ish of stuff.

Now I know this because she told her Mum who told my Mum, who told me.

Am I morally obliged to do something or is there in fact little point as it's all 4th hand?

I wish I didn't know tbh.

I don't know what you can do but I hope she gets caught. It's twats like her that mean we all have to pay higher premiums.

She sounds rather dim, not only to claim too much, but to tell her mum about it.

I'm not sure I would do anything about it though, you can't prove anything and it would cause problems in your family.

None of your business, stay out of it.

I'm pretty resigned to the fact that I can't do anything. Is worse because dh is a copper and has a duty not to turn a blind eye. Isn't our county though and it's all hearsay.

I hope she gets caught too.

"She sounds rather dim". It's almost as if you know her.

WWW, I am going to stay out of it. Was hoping somebody had an anonymous, ship your relative to the fraud squad hotline number, but it was a long shot.

It is sort of everybody's business in a way though. She's the reason premiums go up.

Wouldn't the insurance company ask for some sort of proof she had them? Receipts/photos/instruction booklets etc?

Not a clue Iklboo. Have never claimed. I presume she's insured up to a certain amount and she's trying to capitalise. I hope they check it out and she does have to prove the existence of these things.

Don't insurance companies look out for this sort of thing though?
I can't find a link but wasn't there recently a case of two girls jailed in South Amercia for trying to do a similar thing?

The insurance companies do look out for this sort of behaviour, and loss of electronic equipment is a hot flag for fraud. They will ask for reciepts/instruction booklets/warranty docs/photos of the items in their house, and if she is discovered to be claiming fraudulently, they can decline the whole claim, and could choose to refuse to insure them again. And that means that getting insurance ever again, for anything can be impossible.

DH has been an insurance fraud specialist, and spent a lot of time ensuring that people only got what they were entitled to

CMOT, thanks. That is EXACTLY the sort of thing I wanted to hear, that it won't be that straightforward for her.

I think she was going to say the other items were gifts btw so she doesn't have receipts for them. Because in her head, it's that simple.

I'll check with DH, but I think they would be super suspicious of someone claiming to have received high value electronics as gifts and who have no games/manuals/remotes etc for them. And of course they will want to know exactly which model they were

They routinely use lie detector software during calls, and will make home visits to gather extra information