Regarding the insurance scam:

I don't know how it works in the UK, but here in the US, each state makes and enforces its own law about insurance, and several states and insurance companies have set up an Insurance Fraud Hotline. (Here's the one for North Carolina, for example.) Maybe you can find something similar in the UK.

I once knew someone who was trying to work an insurance scam. He had a boat that was destroyed in an accident when he was towing it behind his car, and he filed an insurance claim using a bogus bill of sale that showed an inflated price for the boat. I wish I could have turned him in. Unfortunately I was in a difficult position. The only way I knew about the fraud was because his girlfriend told me, and I also knew that he had violent tendencies and she was afraid of him. It seemed to me that turning him in would have violated the trust she put in me and put her in jeopardy. So I didn't do anything. I also never heard whether he was successful.