The insurance companies would not take the case this far unless it was rock solid AND the monies paid out on policies was substantial. The usual course is simply to cancel (void) the policy and request repayment. The insurers do not want to be portrayed as reneging on their contract.

They will have copies of the original application forms which specifically asks for previous claims over (usually) a 5 year period.

All the insurers share claims history now so it is a simple check. Has a person claimed or a policy? What previous claims did they declare when applying for that policy? Does the number and value of the claims tally with details from all the other insurance companies?

They do not check every application (too costly) but if they are given grounds for suspicion then they will look back their records and take action if necessary.

There is talk that the Ingrams could sell their story for a substantial sum. They may need it.....

Davebhoy