The latest fraud to hit the insurance industry - the ghost brokers who've sold bogus cover to 20,000 motorists. It's costing the industry hundreds of millions of pounds - and is set to grow. We investigate the latest criminal assault on the insurance sector.



Also, we reveal the rule preventing the Independent Police Complaints Commission from interviewing officers under investigation. And concerns that ship owners are cutting corners as the maritime industry struggles in the grip of the economic downturn.