It's computer virus extortion. We've never had a claim, although it almost certainly will become a claim in future. If you're a wealthy person who sticks to a very orderly timetable, you're more likely to be taken than someone who's disorganized. In general you have to assume that any recovery of a ransom is going to be extremely difficult. Having said that, it does happen.
Recoveries are relatively rare.
We call that autokidnap. In fact, it's very rare, and also becomes extremely obvious. It's hard for someone faking a kidnapping to show all the levels of emotion that occur during a real incident. It's an extremely emotional affair, and a very difficult situation for a family to get through. It's an extremely difficult crime for a group of hoaxers to fake.