Fast Food Frauster Fails To Scam Insurer
A fast food delivery driver from
Merseyside concealed his true occupation and fraudulently purchased black box
insurance coverage courtesy of Coverbox, failing to take heed of the fact that
the insurer did not cover delivery drivers.
Early on a Wednesday morning, an alert was recorded on the Coverbox blackbox,
and the policyholder was contacted to provide details of the accident. The
driver confirmed that there had been an accident, and reported the claim.
One benefit of having a blackbox insured vehicle is the fact that insurers are
able to use the data to analyse the incident and verify if the details are as
claimed. Although this driver wasn't lying about the accident itself, he was
engaging in soft fraud and had lied about his vocation, telling his insurer that
he worked in Telesales.
Black box data showed that the driver had been driving in a way that was
consistent with the driving habits of delivery drivers, and had been making
deliveries for at least 2 weeks prior to the incident. A further investigation
showed that the driver had been making deliveries since the start of his policy.
Coverbox has since issued a notice of cancellation to the fraudster with the
full premium charged. Yet the consequences of the fraud did not end there. The
3rd party driver involved in the incident submitted a personal injury claim,
and the insurer was exposed to what was potentially 5 further personal injury
claims from the occupants of the 3rd party vehicle.
Five personal injury claims could run into tens of thousands of pounds. The
insurer is now looking to redirect the claim to the insurance provider covering
the fast food company, as the driver started the journey in question from the
fast food restaurant he worked at.
The data saved the day in this instance, as Coverbox were able to act quickly
and mitigate any potential loss, as well as prevent a soft fraud claimant from
having access to cover, and driving up the costs for honest road users.
Howard Collinge, Director at Coverbox, commented:- "Unfortunately, it is
not uncommon for people to try and save money by misrepresenting their personal
details to their insurer. These falsifications can eventually hike up the
premiums for genuine policyholders living in the same areas when, for example,
fraudulent claims are made. Coverbox are committed to making insurance premiums
fairer, and cheaper for everyone."
Football's Coming Home
FOOTBALL coaching students from Hugh
Baird College have recently been treated to a behind the scenes visit to The
Football Association's National Football Centre; St George's Park.
A group of students from the range of football coaching courses offered by the
college travelled to the state of the art centre where they met with
representatives from the FA to discover more about the centre and the potential
careers that their coaching qualifications could take them on to.
The National Football Centre is set in 330 acres of beautiful Staffordshire
countryside and whilst touring the facilities, the students learnt about the
history and heritage of the site, toured the elite outdoor pitches including the
elite Wembley replica pitch, the FIFA standard indoor 3G pitch, the multi sport
indoor hall, that is used for Futsal and the specially designed pitch for the
partially sighted.
In addition to viewing the facilities of the centre, the students quizzed staff
about how coaches tailor their sessions in order to assist other professionals
based at the centre such as:- sport scientists, psychologist, nutritionists and
sport medicine experts.
Level 3 Football Coaching student Tom Gillett from Netherton, said:- "The
visit to St George's Park was a real eye opener. I had heard a lot about the
centre, but to get to visit 1 of the best football centres in the world was a
dream come true. It has definitely made me want to work there 1 day."
Phil Oliver, Hugh Baird College Football Lecturer said:- "We would like to
thank the FA for inviting us to visit their centre. Hugh Baird College always
strive to enhance career possibilities for students to go on to after straight
from their studies. I am confident that thanks to this aspirational trip to St
George's Park and the high level teaching. We provide our learners, we will 1 day have an ex-student developing England's top footballers."