Hi,
I don't have knowledge in this matter, but I like to point out that the travel insurance scams (not reference to your situation) is in the interest of police and was in the news lately, so I think this issue will be taken seriously. Also, I heard there are vehicle insurance scams too, so it could be that the insurance companies are trying to catch people and charge them to make an example of them with the objective of minimising these scams. This is my opinion in this matter.