Has anyone ever made a false claim against your motor policy?

[Turnkeyturnkey]

IE a claim you’ve hit someone / done something and there is no proof put forward bar providing your Numberplate. Did your insurer still had to investigate? If so what was the outcome? Had a random letter regarding a claim against me in a location I do not even live near. No evidence or details about me given just my numberplate. Never had this happen before.

I was stopped in a car park by a woman who said I'd clipped her wing mirror. I was surprised I hadn't noticed but gave her the benefit of the doubt and together we inspected both cars and no damage to either. As far as I was concerned that was the end of it. A few days later I got a call from my insurance company. She was claiming her airbag was activated and she was injured by me hitting her car. Long story short they believed me, they did send someone to inspect my car but the claim went nowhere. It's the one time I was congratulated that my car was dirty as it helped prove I hadn't had work done to it.

Something similar happened to my DD a number of years ago. Driver who had been hit had given her registation number to their insurers and claimed she didn't stop - again miles away from where we live. We knew for a fact that DD had not been involved as she was away at university and her car was on our driveway. This dragged on for ages until my DH took a call from the claimants insurers who were trying to contact my DD direct. They insisted she was laible and were threatening court action, but in the course of the discussion mentioned a green car. Hers was red. Never got to the bottom of whether the claimant had made a mistake with a digit of the registration number or if it had been cloned.
Do you have anyway of proving wherw you were on the date/time - work, school run?

We had someone claim DH had scraped their car in a car park. He had been in the car park but had no knowledge of this. We had someone out to inspect the car etc. It was dragging on but then their insurers spoke to us on the phone and mentioned 'green paint' on the other car. We pointed out that our car was white and didn't hear anything more. Our then-car was a rather bashed up old banger (we bought it like that for £300) so I think they were chancing it.

We had it at work with one of our vans last year, but we think our reg plate had been cloned.

We had a letter claiming it had been in an accident and left the scene about 400 miles away.

We contacted the insurer, we couldn’t prove it, but they accepted it wasn’t us and never heard anything else from them.

We started receiving a load of parking tickets and driving in a bus lane fines a couple of weeks later which we appealed and won.

We've put private reg on the van since which seems to have stopped it.

I had a van clip my mirror as I was coming off a narrow bridge out of a 30, they were speeding and I, being already on the bridge had right of way. Broke his mirror mine was OK so no cost to me, but I think he only decided to turnaround and come back when he saw I had stopped - he went beyond the end of the road before returning.
In his claim, he claimed for a hire vehicle for a few days, and a new doorskin and respray. What he didn't know was I took a photo of the entire front side and door, in which you can see in perfect clear reflection the verge opposite (actually quite an artistic photo). Below the mirror is seamlessly part of the clear reflection of the (very pretty) hedgerow in perfect detail - so no dent, no marks, just a busted mirror.
My insurance rang to inform me that it would be affecting my NCB as my fault, I referred them to the photo and suggested they booted it back to his insurers with the photo as clearly he had to be scamming it, which they did and also re-iterated it was my right of way as already on the bridge and exiting it was where the incident happened - heard no more and NCB not affected.

Insurers are just as bad though, I had a car plough into a towbar on the back of my car and cause loads of damage to his but not mine, on a roundabout. For months after his insurance kept ringing me to remind me I had not submitted a claim for damages. I kept reminding them that being the tow bar he hit there was no actual damage to the car or bodywork, and while we had whiplash we CBA to claim for that, so we were not claiming. I think they just wanted to clear the accident 'knock for knock' with my then insurers which was really unfair as it was no way my fault at all, car behind created the accident, plus a police motorcyclist was the witness said completely not my fault. Eventually they dropped pestering me, and yes, on renewal I did lose NCB till I complained and went elsewhere to insure.