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Fraudsters on mopeds are driving head-first into motorists in a rising insurance scam that has claimed thousands of victims, authorities have warned. 

Many of the “crash for cash” moped scammers are believed to be couriers delivering items including takeaways, according to the Insurance Fraud Bureau (IFB).

Nearly every UK insurer has received bogus claims related to the fraud – collectively valued at £27m – with more than 2,200 victims in London alone in the last two years, where it has “become epidemic”, investigators say.

It is feared thousands more drivers have unknowingly been targeted across the country – and an urgent appeal has now been launched to help motorists learn the warning signs of the scam.

How does the scam work?

Unlike traditional crash for cash scams where fraudsters slam on their car’s brake in hope that the victim behind cannot stop in time, this con involves mopeds being driven at oncoming cars.

The moped scammer hides out of sight in a side road or parking space, and then deliberately drives into the victim as they head towards them.

They then usually throw their moped to the ground and drop to the floor to dramatise an injury, before taking photos of the incident.

The fraudster sometimes has an accomplice to act as a witness and help facilitate the scam.

There have also been reports of an accomplice using a van to help obscure the victim’s view before the moped drives into them, making the scam easier to carry out.

Most reported incidents have taken place in north London, where residents have been told to be vigilant of any moped users who appear to be lingering unnecessarily on public roads.

EMBARGOED TO 0001 20 JUNE 2023. Footage captured a moped rider in a suspected 'crash for cash' incident. Credit: IFB / Hastings Direct
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Pic: IFB/Hastings Direct

Who’s being targeted?

Incidents date back as far as 10 years ago, according to the IFB and the City of London Police’s Insurance Fraud Enforcement Department (IFED).

There has been a surge in incidents since 2021 across London boroughs, including Barnet, Brent, Camden, Enfield, Haringey and Hackney, Islington, and Kensington and Chelsea – with affluent areas often targeted.

The issue of crash for cash moped scams in the capital has now grown to become the IFB’s biggest ever investigation.

Ursula Jallow, director at IFB, said: “Crash for cash moped scams have become epidemic in our capital.

“These dangerous fraudsters are driving head-first into unsuspecting motorists, leaving countless victims terrified and insurers facing millions of pounds in bogus claims.”

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‘A dangerous menace on our roads’

Matthew Stevens, anti-fraud director at insurer Hastings Direct, said this type of fraud “not only has a negative impact on insurance premiums, it is also very dangerous”.

“It is a clear demonstration that these criminals have no regard for public safety and no concern for innocent and unsuspecting road users, who are often left traumatised following these incidents,” he added.

Mark Allen, from the Association of British Insurers, said: “Staged crash for cash scams are a dangerous menace on our roads.

“Often highly organised, and constantly looking for new targets to exploit, these criminals put lives at risk.

“The industry is determined to do all it can to protect innocent motorists from these frauds through working collaboratively to drive this scourge from our roads.”

Anyone who thinks they have been targeted in a crash for cash moped scam can contact police if they feel in any immediate danger and inform their insurer of the incident.

Evidence of the scam can be reported to IFB’s confidential Cheatline service, via an online form or by calling 0800 422 0421.

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Heathrow shutdown is embarrassing at best – but at worst it points to serious vulnerabilities in UK infrastructure

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Heathrow shutdown is embarrassing at best - but at worst it points to serious vulnerabilities in UK infrastructure

An electrical substation fire and an entire airport shut down – with over 1,000 flights cancelled, others rerouted worldwide, and 200,000 passengers affected by the disruption.

The Heathrow closure on Friday really highlights the ‘critical’ part of critical national infrastructure (CNI) – the systems and facilities that are essential for society to function.

At best it’s an embarrassment. At worst, it points to serious vulnerabilities across the country that could be exploited by bad actors.

Heathrow first.

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Heathrow needs a lot of power, the equivalent of a small town, and the bulk of this is supplied by a dedicated connection at the North Hyde substation – reflecting Heathrow’s critical status.

But that also appears to be the problem – because Heathrow requires so much power, having a second dedicated connection would likely be prohibitively expensive, especially for the low probability scenario of such a catastrophic fire. This is the first time this has happened in decades, after all.

“Fires like this are not common at all,” said Dr Robin Preece, a reader in future power systems at the University of Manchester. “If it just broke down without catching fire… you might never have noticed anything as we have sufficient alternative routes for the electricity to follow.”

Photo taken with permission from the social media site X, formerly Twitter, posted by @JoselynEMuirhe1 of the fire at Hayes electrical substation. More than 1,300 flights to and from Heathrow Airport will be disrupted on Friday due to the closure of the airport following the fire. Issue date: Friday March 21, 2025.
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The fire at the North Hyde electrical substation. Pic: @JoselynEMuirhe1

But uncommon doesn’t mean impossible – and when infrastructure is critical, it’s supposed to be protected.

MI5 in charge of critical infrastructure protection

The organisation ultimately responsible is MI5, through the National Protective Security Authority. This lists 13 national infrastructure sectors, from chemicals to nuclear, emergency services to food, space to water.

It’s a lot to look after – this map shows just some of the sites that would be considered CNI. Airports and power stations. Or the tubes that supply us with energy (gas and fuel pipelines) and internet (undersea cables).

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Many of those risks are collected in the National Risk Register. This plots the likelihood and the impact of a risk.

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Measuring risk chances and impact

So an accidental fire or explosion at an onshore fuel pipeline is estimated to have less than a 0.2% chance of happening in the next two years but would have only a “moderate” impact, defined as between 41-200 casualties and/or hundreds of millions of pounds in economic losses.

A civil nuclear accident has a similar probability but would have a “catastrophic” impact, defined as the loss of more than 1,000 lives and/or an economic cost of tens of billions of pounds. Pandemics also meet the catastrophic impact threshold.

A regional failure of the electricity network, one due perhaps to “a specific power substation”, is listed as having a 1% to 5% chance of happening every two years, and a moderate impact. But this is what happened to Heathrow – and the impact doesn’t appear moderate at all.

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The North Hyde electrical substation which caught fire. 
Pic: PA
Image:
The electrical substation in west London. Pic: PA

Catalogue of vulnerabilities

The National Risk Register is sensible planning but it’s also a catalogue of vulnerabilities.

Accidents do happen, but so do attacks. It can be hard to tell the difference – and that’s the point of what are known as “grey zone” attacks.

For example, undersea cables keep unfortunately being cut, whether in the Baltic Sea or the waters around Taiwan.

Taiwan has accused China of doing this deliberately. China responded by saying that damage to undersea cables is a “common maritime accident”.

In this photo released by the Taiwan Coast Guard, Taiwanese Coast Guard vessels prepare to board Togolese-flagged cargo ship Hongtai suspected of severing an undersea communications cable in waters between its main island's west coast and the outlying Penghu islands early Tuesday, Feb 25, 2025. (Taiwan Coast Guard via AP)
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Taiwanese coastguard in February prepares to board a cargo ship suspected of severing an undersea communications cable. Pic: AP

“Malicious actors see opportunities and vulnerabilities”, Marco Wyss, Professor of International History and Security at Lancaster University, told Sky News.

“And if you showcase vulnerabilities to such an extent as today, even if it wasn’t a malicious actor, it can give them some ideas.”

Additional reporting by Sophia Massam, junior digital investigations journalist

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Ida Lock: Baby girl died from brain injury because midwives failed to provide basic care, coroner rules

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Ida Lock: Baby girl died from brain injury because midwives failed to provide basic care, coroner rules

A baby girl died from a serious brain injury because midwives failed to provide basic medical care, a coroner has concluded.

Ida Lock, who lived for just seven days, was born at the Royal Lancaster Infirmary in November 2019 but suffered a brain injury caused by a lack of oxygen.

She was transferred to intensive care at Royal Preston Hospital’s neonatal unit where she died a week later on 16 November 2019.

Ever since her death, Ida’s grieving parents, Ryan Lock and Sarah Robinson, have had to fight for answers.

Mr Lock said the hospital’s trust “put up a huge wall” when they tried to find out what had happened.

Ms Robinson says she was made to feel like she was to blame.

“It was was awful. It was so tough. My world had shattered, and I couldn’t figure out what had gone wrong, what I’d missed.”

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An initial investigation carried out by the University Hospitals of Morecambe Bay NHS Trust found no issues with her delivery.

However, in April 2020, a report from the independent Healthcare Safety Investigation Branch (HSIB) identified numerous failings in the care of Ida which contributed to her death, the hearing at County Hall, Preston, had previously heard.

Ryan and Ida Lock. Pic: PA
Image:
Ryan and Ida Lock. Pic: PA

Ms Robinson says: “That’s the hurt, because that time that we’ve taken to fight and get these answers. And all along people had these answers, people knew, but they didn’t give them to us them.”

Midwives had failed to identify an abnormally slow foetal heart rate after Ms Robinson attended in early labour and then following birth there was ineffective resuscitation, the HSIB concluded.

This trust has faced serious criticism in the past.

A review into maternity care at Morecambe Bay in 2015 found 11 babies and one mother had died due to poor care.

The report’s author, Dr Bill Kirkup, gave evidence at the inquest and told Sky News it is “unforgivable” lessons have not been learnt.

He also chaired an investigation into maternity services in East Kent and found repeated and significant failings.

“These are not problems of isolated units, and it’s not a particular rogue unit that we’re talking about here. It’s a very widespread failure of culture in maternity services,” said Dr Kirkup.

Ida Lock died seven days after she was born. Pic: PA
Image:
Ida Lock died seven days after she was born. Pic: PA

The national maternity inspection programme carried out by the healthcare regulator the Care Quality Commission (CQC) assessed over 130 units.

It gave ratings for safety and found 65% rated either “inadequate” or “requires improvement”.

Mr Lock believes there must be a change in culture.

He said: “There needs to be more accountability. If people feel they can get away with being deceitful and covering up the truth, then they’re going to continue doing that.”

Ms Robinson has since had another baby daughter but says her mental health has suffered.

“It’s changed me as a person. Five years on, the anxiety, the stress, it’s just constant. No one was open and honest with us. No parent should have to go through that.”

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Ryan Lock and Sarah Robinson
Image:
Ryan Lock and Sarah Robinson

The family scattered Ida’s ashes on Morecambe Beach, close to their home.

Mr Lock says they often walk along this small stretch of sand which they call “Ida’s beach”.

He said: “She’s always going to be in our hearts, and that’s what’s driven us to continue, to keep going. We owe it to her.”

Delivering a narrative conclusion following the inquest on Friday, HM Senior Coroner for Lancashire, Dr James Adeley, said: “Ida was a normal child whose death was caused by a lack of oxygen during her delivery that occurred due to the gross failure of the three midwives attending her to provide basic medical care to deliver Ida urgently when it was apparent she was in distress.”

He added her death was contributed to by the lead midwife’s “wholly incompetent” failure to provide basic neonatal resuscitation for Ida during the first three-and-half minutes of her life, which further contributed to the infant’s brain damage.

Dr Adeley identified eight missed opportunities by midwives to alter Ida’s clinical course.

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WWII veteran, 103, shares his experience as a bombardier ahead of VE Day anniversary

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WWII veteran, 103, shares his experience as a bombardier ahead of VE Day anniversary

A 103-year-old Second World War veteran has been sharing his stories of the frontline with primary school children in Salford – as part of a new project to celebrate the anniversary of VE Day.

Bombardier Tom Jones was called up to serve in the Royal Artillery as the war broke out in 1939 – when he was aged just 17.

He spent time defending the Liverpool Docks and was later posted to Myanmar, also known as Burma, for four years until the end of the war in 1945.

He is one of the surviving veterans taking part in the VE Mail project – writing a personal letter to schoolchildren about his experiences during the war.

He wrote to the children at James Brindley Community Primary School in Salford and was invited to read his letter in person to the Year 6 class.

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He said sharing his experiences with the children was important to him.

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“I think people should know about what we went through,” he told Sky News.

“There were no films, no pictures about it. There were no reporters in Burma, no photographers. So I think people should know about it – the conditions that we lived in were shocking.”

Bombardier Tom Jones and his wife. VT Katie Barnfield
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Mr Jones and his wife

The VE Mail project has been launched to mark the 80th anniversary of VE Day on 8 May 2025.

As part of the initiative, run by the Together coalition and Royal Mail, schools across the UK can apply to get a personalised letter from a Second World War veteran.

Pupils will then be able to write their own letters in response.

Tom’s letter detailed his experiences working as a wireless operator in the Burmese jungle, serving alongside the Gurkhas, who he described as the “very best” of soldiers.

His story of being chased by a wild elephant while training in India drew delighted smiles from the class.

Bombardier Tom Jones visits school in Salford. VT Katie Barnfield
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Mr Jones visiting the school in Salford

He also brought in a Morse code machine, which he demonstrated by typing out some of the children’s names.

“He amazed me,” said Jetty Bammeke, one of the Year 6 pupils. “Some of his stories were funny, some were sad.

“He told us how he made friends and missed his wife dearly. He did a great job serving his community and fighting in the war.”

Adele Jewell, who is head of history at the school, says the project has helped pupils connect with what they are learning about the war.

“Having someone who is experienced and can tell their story and their journey engages the children in a way that we could not possibly do,” she told Sky News.

“Children now are using devices for writing and text. Actually writing letters gives them that chance to think about vocabulary and how they can express themselves.”

Schools can apply to take part in the project on the Together website at together.org.uk.

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