We have been involved in extensive research into the behaviour of professional fraudsters.
An interesting theme that developed was that some use things like account takeover, card not present as their bread and butter income but when it comes to large expenditure (specifically weddings) they then switched to insurance fraud via crash for cash or theft/loss property claims.
The logic being that the wedding or event is booked in advance so they have time to get the money in.
So is there a wedding or large expenditure imminent might be a good point to cover when validating a claim.
I often see reports claiming fraudsters are moving from one area into another. My research suggests that they aren’t so much moving as already there.