Insurers say cases of scammers manipulating people into staging crashes and filing bogus claims are under-reported

Romance fraud typically evokes images of people being tricked out of their life savings by partners they meet on dating sites, but some scammers use a different tactic: recruiting unsuspecting victims into fake insurance claims.

The scam involves a fraudster convincing their partner, or a person they are dating, either to say they have witnessed a car accident, or to take out an insurance policy and file a bogus claim in order to secure a payout.