CRASH-FOR-CASH scams are big business and it's often seen as an victimless crime.
But the motive force being targeted will often lose their no claims bonus and find out insurance premiums soar the following year.
That doesn't have to always be the situation, though.
Elaine Lancashire, 40, saw her premium actually go down the year after a crash because she signed up for a black box policy.
Elaine, from Royton, near Rochdale, lost her no claims after she slammed her Peugeot 108 in to the back of another car in the traffic lights.
The driver in front slowed to turn before leaving after which slamming around the brakes – a classic crash-for-cash ploy.
But an investigation couldn't prove the 3rd party was driving erratically and Elaine's insurer needed to stump up for whiplash injury payouts.
At renewal, Elaine – a support worker in a school for kids with special needs – was facing a hefty premium with a crash on her behalf record and zero no claims discount.
But after looking around she found a Coverbox insurance policy for