evidence: This tl;dr of this theory is that after the Olympic was damaged, the White Star Line switched it with the Titanic and purposely sunk it to claim the Titanic’s insurance. So, how did the Olympic receive the initial damage? During its fifth for-profit trip, the Olympic literally had a run-in with the HMS Hawke, off the tip of southern England. Both ships received extensive damage from the accident, though ultimately currents from the Olympic were found to be the fault of the incident. It was out of commission for nearly four months, meaning the White Star Line not only lost money on repairs, but also lost out on the cruises the Olympic could have run during that time. In comes the sinister theory – executives on the White Star Line decided to rebrand the Olympic as a new ship – the Titanic. They then took out an insurance policy on the "new" ship to get a larger payout than they would have gotten from the damaged "old" ship. So let’s get into why this is ridiculous, and why it didn’t happen. [...] Apart from those ethical holes in the plot, the Olympic showed so much wear and tear after having been used for a year that calling it new surely would have raised eyebrows. Additionally, the insurance coverage for the Titanic would not monetarily cover the loss of the Olympic. And while the ships were nearly identical from the outside, the Titanic boasted far more amenities – especially when it came to dining. Those improved dining rooms were found in the wreckage.