It has become common for insurers to offer a discount if a homeowner has a monitored alarm system, and certainly there is no arguing the benefits of having a good system, in proper working order being monitored. This particular insured had some money issues and one of the first things to get cut was their monitoring costs, so they contacted their provider and cancelled the monthly fee.
A few months later they claimed to their insurer that their home was burgled whilst they were out for only a short time. They arrived home to the sound of their alarm and discovered a large amount of property missing, the home had been ransacked and jewellery taken as well.
Unfortunately though, the investigator on finding the alarm had a monitoring facility decided to check with the monitoring company. Imagine the surprise to find out that whilst the contract might have been terminated, the monitoring itself had never actually been cut. An alarm specialist soon determined that the alarm had indeed been set as claimed, but then first triggered from a PIR in an internal room within seconds of being set and before the car could even have left the property. The entire burglary had been staged. Yes, a good monitoring system will catch insurance fraud and incriminate the fraudster.