A group of fraudsters claimed to work in a garage that they used as a front to perform a 'crash for cash' schedule and pretended to carry out repairs that insurers have never checked.
Ringleaders Raju Patel, 36, and Kamlesh Vadukul, 45, submitted claims about insurance and to a vehicle repair finance service for cars that had either crashed or did not take place at all.
They have caught more than £ 320,000 in the false insurance claims.
The remaining eight members of the criminal group have caused the collisions or deliberately provided their data to identify the claims.
The 'Crash for Cash' scheme – ran between December 2015 and October 2016 – was discovered after an investigation by the insurance fraud department of City of London Police (IFED).
All ten members of the group have now admitted their role in the scheme and will be convicted in the spring.
Patel and Vadukul took car insurance policies using stolen identities or the personal details of the other members of the group.
They then submitted claims for vehicle damage as a result of collisions that were deliberately or never took place.
The leaders would then send the repair finance photos of the vehicles that they claimed that they were involved in the collisions as proof that they were being repaired.
A car that was damaged for a false insurance claim by the gang fraudsters
The group of fraudsters claimed to work in a body repair workshop and has submitted photos of damage
IFED researchers discovered that Patel and Vadukul claimed to run a body repair workshop for vehicles involved in collisions on traffic traffic.
In December 2015 they concluded an agreement with a repair finance service that granted credit to non-fault drivers whose vehicles were damaged by accidents.
This enables non-fault drivers to receive money to repair their vehicles within 24 hours instead of having to wait for an insurer to pay.
The company would then return the costs of repairing the director's insurer of the driver.
Employees of the Repair Finance Service have not physically inspected the vehicles to confirm that the damage was sincere and to make payments on a Vadukul bank account.
However, several insurers have expressed concern about the validity of the claims, because many of the insurance policies were removed shortly before the collisions were to have taken place, or that the insured vehicle was not registered with the policyholder.
The case was referred by the insurance fraud agency to the IFED, whose officers eight repair finance claims investigated that were submitted by the Body Repair Shop and discovered that they had not carried out repairs for any of them.
The study showed that Patel and Vadukul had submitted repair finance claims of a total of £ 275,548 for 39 collisions between December 2015 and October 2016.
Repair -finance service staff did not physically inspect the vehicles to confirm that the damage was real
Depicted is one of the cars they used to make false claims
A total of £ 321,055 was paid during the same period in the bank account of Vadukul and was admitted as cash or transferred to other accounts that were linked to Patel.
Detective sergeant Adam Maskell, from the City of London Police's Insurance Fraud Enforcement Department (IFED), explained that their fraud struck all drivers by contributing to an increase in insurance premiums.
“Crash for Cash” fraud joins motorists and contributes to the rise in premiums for everyone who buys insurance, “he said.
'The advanced planning level of this scheme shows the greed of calculated insurance criminals and the measures they will take to win financially.
'This was a complex and long -term investigation and the fact that the group now admitted that their fault shows the power of the evidence against them.
'Crash for Cash' fraud does not go unnoticed by the insurance sector or law enforcement and we will work together to eradicate organized crime, as this case has shown. '
Kamlesh Vadukul, from Sheffield, South Yorks, argued guilty of conspiracy to commit fraud through false representation and money laundering.
The scheme led them to have taken more than £ 320,000 in false insurance claims
Amarjit Dhaliwal – also known as Amo Singh – van Warwick, Warwickshire, argued guilty of conspiracy to commit fraud through false representation.
The remaining eight members of the group do not argue and a four -week process began on January 20 at Birmingham Crown Court – but all changed their supplications to guilty during the first week of the process.
Raju Patel, 40, Van Walsall, argued guilty of conspiracy to commit fraud through false representation and money laundering.
AQEB Hussain, 42, Van Oldham, argued guilty of conspiracy to commit fraud through false representation.
Dimple Ghera, 38, Van Wolverhampton; Minata Jalloh, 32, from Dudley; Saqib Khan, 32, from Walstead; Asid Nadeem, 40, from Dudley; James Payne, 37, Van Sandwell and Amjad Rehman, 50, Van Walsall, all plead guilty of fraud by false representation.
The group will be ordered to Birmingham Crown Court on 28 and 29 April 2025.
