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There is a dark side to worldwide travel insurance - the fraud. The problem is, it is notoriously hard to disprove fraudulent claims - particularly in the travel industry and hundreds of people away with it every year. In fact, it is cost an estimated million pounds of companies per year, and the extent of the problem is by this fact: There is worldwide travel insurance claims for Rolex watches, than have ever made. It's amusing on one level, but also financially crippling to another - and harmful to all the honest type who suffer higher premiums as a result.

Of course, there are far more risky cases of insurance fraud, has been taken - and they have often gone wrong in spectacular fashion. Here are 5 of the most beautiful ...

5. Mr Derek Nicholson

Derek Nicholson and his partner Jottie Nagle were accused Faken a drowning for a $ 1,000,000 insurance fraud. Once out of the life insurance policy just four days before the incident, it immediately seemed suspicious. After Nagle was told she could not claim the life insurance policy for 12 years without a body, Mr Nicholson, a call to the police claims that have seen a matching his description, but it all unravelled when he later in life and healthy in New York. Despite pleading "not guilty" and claiming past confessions were not valid, they were in 2004, and with a maximum of 5 years imprisonment on the conspiracy and a maximum of 6 years on the false distress charge.

4. Gaylan Sweet

Such insurance fraud is different from the others, as it actually is an Inside Job! Gaylan Sweet was a CLAIMS ADJUSTER for Allstate Insurance set up a system to defraud and his pocket money. More than 10 years, he drew the same insurance fraud twice, roping in two people to function as parents of an imaginary child killed by an equally imaginary drunk driver and pockets about $ 700,000 in the process. The case was a mixture of real and imaginary people: real deputy sheriffs' names were on police forms (although never really the case), real doctors had treated the wrong children, and there were several witnesses invented the " Facts. "Sweet and his accomplices were eventually arrested in 2002 and jailed for five years for insurance fraud.

3. Mr John Magno

John Magno is currently awaiting validation for arson in relation to insurance fraud. In 2001 there was the biggest fire in history at the Toronto Woodbine Building Supply - due to its almost residential location, more than 50 families were forced to evacuate their homes on Christmas morning. Of the two people have committed themselves to the assumption that the arson - Tony Jarcevic and Sam Paskalis - the former died and the second was severely burned and left in a coma. Paskalis later his involvement in the alleged scheme. Magno himself had increased his insurance two months before the event and try to make money in the $ 3500000 insurance shortly after the "accident".

2. John Darwin

The latest case in this list, the British media by storm when the full details were revealed. John Darwin went missing, assumed dead after canoe in 2000. After a search and nothing, his wife claimed the insurance. Everything was quiet, until December last year, when the "dead man" in a London police claimed memory loss and the conviction that he had a missing person. This unravelled when a photo of the couple grinning in Panama was in the newspapers. Suffice it to say that the court found the couple to have lied to their children, their neighbors and the police in the amount of an insurance fraud, and both were prison sentences of more than six years for their scheme as an attempt in the last month .

1. John Stonehouse, MP

But the most memorable instance of insurance fraud is the former Labor MP John Stonehouse. On 20 November 1974, he faked his suicide. Leave just a bunch of clothes for Miami Beach, he was dead - but actually in the direction of Australia, to a new life with his secretary Sheila Buckley. In an unlikely turn, he was a month later by police who mistook him for the still illusive Lord Lucan! While awaiting trial in Brixton prison, he is still a Labor MP, and finally resignation 3 weeks before his trial. This left the Labor Party in a predicament when she suddenly a minority government. It ended a liberal-labor pact to remain in power until Thatcher's election victory 3 years later.

What Stonehouse, he tried on 18 in the amount of theft, forgery and conspiracy to commit insurance fraud. He was sentenced to 7 years in prison, 3 of them serve before they released early because of his poor health.

Quite a lot of "Johns" in the list - Perhaps this is an indication for us when looking at fraudulent insurance claims over the world!

Of course, not all fakes her own death as part of an insurance fraud - in 2007, Bosnian Amir Vehabovic staged his own death to find out who his true friends were! After bribing undertakers to bury an empty coffin, he hid in the cemetery bushes to see how many of the 45 people invited appeared to respect her. If only his mother showed up Vehabovic been sending angry letters to the parties is missing!

As a worldwide travel insurance scams are harder to prove it's no wonder there were fewer cases of high. It is easier to explain the sudden appearance of a stolen iPod "as a man who died 5 years before!

Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers cheap worldwide travel insurance and offer a fast and easy online claims feature.

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