Bury Hotel Owner Richard Moore in £35,000 Insurance Scam

After claiming to be too ill to work, Bury hotel owner Richard Moore was spotted by insurance fraud investigators in the press. The 33-year old Bury native had been receiving payments from Aviva income protection policy, in an audacious tax scam. A court heard that Moore had taken an income protection policy in 2008, in the event that he would be medically unfit for work. In 2013, he claimed he was suffering from depression and anxiety and was thus unfit for work.

During a health review in 2017, the Bury hotel owner claimed that he had not been working since the time he was first incapacitated in 2013. The Aviva insurance company launched a fraud investigation, uncovering evidence that he had been working. As the managing director of The Victoria in Walshaw, Bury, he was spotted by the fraud investigators receiving awards. A photo showing the hotel owner posing alongside Bury North MP James Frith, while receiving a responsible business champion award, was published in the Bury Times newspaper.

Insurance provider Aviva referred the case to the City of London Police’s Insurance Fraud Enforcement Department (IFED). Detective Constable of the IFED was reported as saying, “He worked multiple jobs across several years…and was even brazen enough to…pose for pictures with awards for the regional press.” An Aviva representative highlighted that the income protection insurance policy was to last until 2050 and could have been worth a total of £400,000, had the scam not been exposed.

Insuring Your Jewellery

Prized possessions, family heirlooms and tokens of love, your jewellery could be some of the most valuable property in your house. While not actively considered, it is possible that jewellery is lost, damaged or stolen. Care and consideration will make sure that your insurance protects you against these eventualities.

Home contents insurance

Insurers differ in what they define as the ordinary contents of your home, that are subject to cover under a given policy. As we have discussed in a previous post, the contents of your home are broadly defined as: things that you would take with you, were you to leave your home. Basically, everything that is contained by the bricks and mortar of your property. Under this, some insurance policies cover jewellery, and what are termed ‘valuables’, up to a certain value. Now, this is where you have to be careful.


If the cost of replacing an item is more than the single item limit defined by your home insurance policy, then that item is deemed a ‘valuable’. Valuables could include jewellery, watches, precious metal items, such as gold, art works and collections.

Since some insurers cover jewellery only up to limited values, if you exceed those values, your most prized possessions will not be covered. In all eventualities, the onus is on you to make sure that you have adequate cover for the property you wish to insure, including all valuables. If the jewellery in your home is valued more than the cover agreed in your policy, this will render your policy void and prevent you from making a claim.

Jewellery Insurance

Insuring your jewellery separately from your contents is an option, which will help make sure that your valuable jewellery is covered. While, some valuables and jewellery items may indeed be irreplaceable, cash compensation will help lessen the blow of their loss.

Gift Aid Tax Relief Scam Targets Manchester Charity Event

Manchester charity event led by Rod Bond and Formula One stars was subjected to a Gift Aid tax relief scam. Unscrupulous fraudsters targeted the multi-million pound fundraiser, as events across Manchester raised millions for numerous charitable causes. Sham donations were made by the scammers, using numerous shadowy individuals and front companies. Scammers then presented bogus cheques and false bank transfer documentation to claim Gift Aid tax relief from the HMRC. Organiser Rod Bond was propelled into action after spotting incongruities in the financial documentation provided by the scammers. Luckily, the veteran philanthropist acted fast enough to stop the fraud from being successful. The HMRC is continuing to work with Rod Bond to identify the culprits behind the unscrupulous operation.

Manchester Charity Event

The Manchester fundraising extravaganza brought together numerous events for various charitable causes. Williams F1 team racing driver George Russell was tasked with providing passenger rides at the Supercar Charity Event. Meanwhile, event organiser Rod Bond paired up with F1 champion Lewis Hamilton at dog and car wash events. Alongside dog and car wash events at Tatton Park and Lyme Park, the Cheshire estates also hosted WWII artefact exhibitions. A dramatic tank parade through central Manchester brought the city-wide fundraiser’s proceedings to an end. At the time, it was announced that tens of millions were raised in the Manchester charity event.

Charities Affected by Attempted Tax Relief Scam

As fraudulent donations were discovered, charities targeted by the scammers notified the HMRC through event organiser Rod Bond. Charities affected by the attempted tax relief scam included:

Independent Financial Investigator Rod Bond Cracks Tax Scams Alongside HMRC and Victim Support Charity

Financial investigator Rod Bond’s tireless efforts, alongside the HMRC, have led to the disbanding of various tax scams. Millions have been returned to unwitting victims of the tax scams and the HMRC through the auspices of the Victim Support Charity. Having fallen victim to a brutal knife attack, Rod Bond has worked closely with Victim Support for decades.

Manchester fraudsters conspired to create a carousel fraud involving the import of supercars from Europe. Fraudsters conducted fake sales of supercars including the Lamborghini Miura, Porsche 918 Spyder, LaFerrari and the Lamborghini Aventador. Busted by Rod Bond early last year, the fraudsters fled Manchester as HMRC investigators closed the net around the elaborate VAT carousel fraud.

In an elaborate investment and tax relief scam, numerous celebrities were duped out of millions. The tax scam duped investors into thinking they were buying into Cheshire estates. The National Trust estates included Dunham Massey, Hare Hill Garden, Little Moreton Hall and Lyme Park Estate. High profile celebrities were targeted in the scam. Rod Bond has worked tirelessly with the HMRC and Victim Support to assist various Formula One stars entangled in the tax scam operation.

An historical artefact scam in which forged historical items were donated to organisations in lieu of tax relief was busted by independent financial investigator Rod Bond. Artefacts included a rare World War Two “Keep Calm and Carry On” poster, jewellery said to belong to William of Normandy from the Battle of Hasting 1066 and maps belonging to Unionist General George B. McLellan during the American Civil War.

Over the course of several years, Rod Bond has worked with the HMRC to track various tax fraudsters. As a patron of Victim Support, he has helped return millions to unwitting victims of the tax scams.

Independent Financial Adviser Rod Bond Foils Elaborate HMRC Tax Scam

Manchester millionaire businessman and independent financial adviser Rod Bond foiled a sophisticated HMRC tax scam. After discovering trends in dubious correspondence, purportedly from the HMRC, Rod Bond leapt in to a self-funded million-pound investigation. Numerous clients reported to Rod Bond that they had received direct communications from the HMRC. Some clients reported to have been contacted by official HMRC phone numbers. Other clients were contacted by email, from official HMRC email addresses, verified by independent financial adviser Rod Bond. While others, in unprecedented steps taken by tax scammers, contacted their victims on social media platforms such as Twitter and Facebook. “The scale of the tax scam was staggering.

All the correspondence from the HMRC seemed completely legitimate,” asserted Rod Bond, “I was worried myself.” In messages to their would-be victims, tax scammers purporting to be HMRC officials, used sophisticated social engineering methods. The scam promised tax rebates, tax refunds and tax relief credits, in exchange for personal details and small payments. The sophisticated social engineering methods that the scammers employed used the allure of rebates to target less affluent victims. The more affluent victims were targeted for small payments, to be made as part of a processing fee to secure tax rebates and refunds. Specialising in the independent financial advice sector for several decades, Rod Bond was quick to suspect the tax scam and identify the dodgy HMRC correspondence. “I won’t lie, it had me going for a while, but the HMRC don’t just hand out money. That’s what gave them away,” said Rod Bond.

Every year, as the financial year draws to a close in March, tax scammers posing as HMRC officials increase their operations. In recent years the HMRC has published extensive guidance on how people can protect themselves from tax scams.

Car Insurance Tips

Drive safely – This first tip really should go without saying. The safer you drive, the less likely you will be to cause damage to your vehicle or be involved in an accident. Consistent safe driving will, hopefully, prevent you from making claims on your insurance and protect your No Claims Discount. The greater your No Claims Discount, the less you pay for your insurance premium.


Personal car choice – Your car insurance premium will be largely dictated by the car you choose to insure. High performance vehicles will, of course, cost more to insure than lower performance vehicles. Make the right choice of car, to get the insurance premium you’re happy to pay for.
Car modifications – The slightest upgrades, to your car’s audio equipment or indeed its performance capabilities, impact the price of your insurance. Be sure to check and anticipate this impact, before going ahead with any expensive modification work.

Telematics – Telematics monitor your driving and score it against other users. Almost all car insurance providers offer telematics policies and provide discounts for those choosing a telematics policy. Some providers will monitor your driving and, when your insurance premium is up for renewal, they will offer you a discount based on your previous year’s driving score.
Secure overnight parking – If you have a garage or a gated off-road driveway, this ensures that your car is less exposed to damage and theft. Make sure your car insurance provider is clearly informed of your parking options as this will have a substantial impact on your premium.

Make annual payments – Paying by Direct Debit is useful and will help you to manage your finances effectively. However, this option entails an extra charge on top of your basic premium. Paying annually, in one instalment, will prevent that cost.
Increased voluntary excess – The more you’re willing to pay towards damage incurred on your car, the less likely your insurance will see you as being prone to damaging it. Thus, the greater the voluntary excess, the lower your insurance premium will be.

Crucial Advice for Closing the Deal on Your New Car’s Finance

When it comes to reaching an agreement, negotiation is expected and has a vital impact on the terms of the car’s finance that you submit to. Research has shown that almost 2 million people have made basic and avoidable errors when agreeing car finance terms with dealers. Moreover, one in four of the people surveyed by Confused.com said they felt unable to challenge of question dealers on the finance terms. With Insurance Finance Talk’s tips today, you will enter negotiations with a firm advantage. Keep reading to see how to get the most from your new car finance deal!

Planning – Planning is key to any negotiation. Enter the negotiation armed with market knowledge of an estimated rate you should pay. Be prepared with options of car prices and finance terms you should be paying for your desired vehicle. With preparation, you’re simply less likely to get a bad deal.

Alternatives – When you are focussed on one car, your ability to negotiate is restricted and this gives the dealer the upper hand. An essential part of planning is to have options at your disposal.

Details – Inspect the vehicle thoroughly and utilise any imperfections as bargaining chips. Check the mileage, paintwork and tyres. Depending on your manner with the dealer, the slightest imperfection could go a long way.

Cordiality – Your car dealer has sales targets to meet and pressures of their own. Maintaining a cordial relationship will help the negotiations. Rather than playing hardball in pursuit of your own interests, aim to meet the dealer halfway, as concessions granted to you will cost them parts of their bonus.

Timing – If the dealership has had a successful day, you may have arrived at a time when sales targets have been met. If this is the case, be prepared to walk away and regroup. Use this in your favour.

Car Finance: Your Car Buying Options

Cash – Buying a car using cash is probably the easiest and best way to pay for a car. However, it does come with some pitfalls. Firstly, you’ll need to have all the money together, before you decide to make the purchase. Secondly, today’s dealerships are more oriented towards finance and financing options. They’re unlikely to be set up for large cash transactions. Nevertheless, the major advantage of buying a car with cash, is that you will own the vehicle outright and save yourself interest repayments on credit and finance.

Car Finance – Your car finance options go hand in hand with your credit score. The greater your credit score, the more options you have when it comes to car finance. Lease agreements can quickly get messy if you are unable to complete payments when required. Make sure your car finance is within your range of affordability.

Personal Loan – A personal loan from your bank will enable you to purchase and own the car outright. Through monthly payments to your bank, you will cover the cost of the car. If, for whatever reason, you’re unable to maintain the payments, you can always sell the car and pay off the loan. Again, a personal loan depends on your credit score.

Hire Purchase – With an initial deposit of 10% and repayments spread across a mutually-agreed timeframe, a broker or car dealer can offer you a hire purchase deal. However, since you don’t own the car until the final payment is made, it can be repossessed if payment agreements are not met.

Personal Contract Purchase (PCP) – This form of finance is similar to hire purchase, with different options upon the culmination of the contract period. PCP deals often come with mileage restrictions, which charge you in case you exceed their limits.

Personal Contract Hire (PCH) – PCH is like leasing a car. Whereas with a PCP you are given the option to purchase the car at the end of the contract, a PCH is better suited to those not intending to own the vehicle. During the course of the contract, you are restricted by the miles you can use the vehicle, but your monthly payment covers costs such as vehicle servicing and vehicle tax.