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Twenty-seven people have been arrested in dawn raids across the
country by detectives investigating the sale of fake car insurance
policies, a practice commonly known as ‘ghost broking’.
Twenty-eight warrants were executed in the Leicestershire,
London, Manchester, Thames Valley, West Midlands areas early this
morning (Wednesday 9 October 2013), in a police day of action that
marks the culmination of months of investigation by the City of
London Police's Insurance Fraud Enforcement Department (IFED).
One hundred and sixty-eight officers took part in the operation,
with the City of London Police unit supported by colleagues from
the force’s Economic Crime Directorate as well as officers from
Greater Manchester, Leicestershire, Metropolitan, Thames Valley and
West Midlands police forces.
Ghost brokers often target young drivers by offering cheap deals
but anyone who buys one of their policies will find themselves
driving without insurance, which could lead to their car being
seized by police, fines, penalties and a criminal record. Uninsured
drivers will also have to pick up the bill for any damage or
injuries they cause in a crash.
IFED has already brought to justice ghost brokers who have tried
to sell or sold cheap fake car insurance policies online, using
phony websites as well as genuine classifieds and social media
websites. The unit has had reports of ghost brokers operating in
communities, approaching people in restaurants and internet cafes
as well as on university campuses.
DCI Dave Wood, Head of IFED, said: “This day of
action reveals ghost broking to be a UK-wide problem which is being
met by a national law enforcement response, led by
“The consequences for innocent motorists who fall victims to
ghost brokers can be dire, so it is absolutely vital that drivers
shopping for car insurance online, or through other means, question
what they are being offered to ensure they get a real deal.
“Driver diligence, coupled with enforcement action being taken
by IFED and supported by local forces, is the best way to confront
this threat now and in the future.”
Advice for drivers on how to secure the cheapest legitimate
policy possible is available on the
Association of British Insurers’ website.
Anyone who believes they have fallen victim to insurance fraud
should contact Action
Information on suspected ghost brokers can be reported
confidentially through the Insurance Fraud Bureau’s Cheatline,
powered by Crimestoppers, on 0800 422 0421.
Arrest breakdown across the police force areas as
The precise offence the 25 people were arrested on suspicion of
is fraud by false representation. One person was arrested on
suspicion of burglary and another was arrested on suspicion of