Insurance fraud drives up premiums for everyone. But there is something you can do. Insurance fraud is often the result of fairly routine manipulations of the system – a tow truck driver who recommends a garage and gets a commission for doing so, a service provider who bumps up a charge because they know the insurer is paying, or a paralegal who asks for a percentage of an insurance award. These may seem harmless to you, but they are part of the web of fraud schemes that are costing you money. When you see fraudulent activity, challenge the service provider directly or report the behaviour to the police.