Bukharee had realised the earlier websites were under investigation and had decided to set up a new campaign."
Miss Mulligan said: "The case involves a ghost brooking website fraud - a website created for the purposes of fraud.
"It is not in dispute that this was a sophisticated fraud and it was masterminded by Danyal Bukharee.
"He used the four ghost broking websites to carry out car insurance fraud. He was responsible for setting up the websites, each of them purporting to offer genuine motor insurance at around a 15 per cent discount below the average price offered by genuine companies.
"Unsuspecting members of the public were duped into buying this non-existent car insurance and paying money for it.
"What he identified was he could target innocent members of the public, in particular young first time drivers for whom insurance premiums are extremely high, often inhibitively so."
It is claimed Bukharee recruited Giovanni Recchia, 47, to run the First Car Direct fraud from the flat by answering phones and dealing with customer enquiries.
Recchia was with Bukharee when police arrived at the flat and acted as a witness to the tenancy agreement, the court heard.
Detectives found a whiteboard featuring the names of nine invented employees next to their roles in claims, admin and compliance, it is claimed.
One victim remembered being put through to David Wood in sales and offered a quote of £2,018 for insurance, jurors were told.
Miss Mulligan said: "You may think Bukharee has a sense of humor. Detective Chief Inspector David Wood is in fact head of the Insurance Fraud Enforcement Department."
Police also found an iPod connected to sound system with only one track uploaded titled 'Office Noise.'
Jurors heard Recchia is likely to claim he was an innocent dupe and was led to believe this was a genuine business.
"Recchia cannot have failed to be aware that something was amiss," said Miss Mulligan.
"Using a name that wasn't his has to have alerted him to the fact this was a fraudulent enterprise."
Andrew Goward, 38, Gary Heaven, 37, and Mohamed Saleh, 26, were recruited to open bank accounts to receive the money paid in by the victims, it is claimed.
"Once these were opened Bukharee would take over control of the accounts to enable him to access the money," said Miss Mulligan.
"These three men may not have known it was a car insurance fraud specifically but what the Crown say is that at the time they opened bank accounts they did so in circumstances such that it can safely have been inferred they must have known or at the very least suspected they were doing it for criminal purposes."
Goward is said to have received proceeds from the Astuto Insurance and Car Insurance Warehouse between May and August 2011.
Heaven and Saleh are said to have received the proceeds from the Aston Midshires Insurance fraud between August 2011 and January 2012.
Buckharee, from Putney, south London, has admitted two counts of fraud by false representation and three counts of money laundering.
Recchia, from Retford, Nottinghamshire, denies one count of fraud by false representation.
Heaven, from Tulse Hill, south London, Goward, from Nottingham, and Saleh, from Greenford, north west London, all deny money laundering.
