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If you need car insurance, be wary of heavily discounted prices on the internet or cheap prices you are offered directly. They’re most likely fraudsters using a method known as ‘ghost broking’.
These individuals or groups, known as ‘ghost brokers’, pose as middlemen for well-known insurance companies, claiming they can offer you legitimate car insurance at a significantly cheaper price. It is typically carried out by one of three ways: they will either forge insurance documents, falsify your details to bring the price down, or take out a genuine policy for you, before cancelling it soon after. Whichever way is used, you won’t realise you don’t
have genuine cover unless you get stopped by police or make a claim.
If you think that you’ve been a victim of a ghost broker, you can report your concerns to Action Fraud at actionfraud.police.uk or on 0300 123 2040.
You can also contact the Insurance Fraud Bureau via its confidential Cheatline on 0800 422 0421 or at insurancefraudbureau.org
Action Fraud and the City of London Police have created a leaflet explaining the dangers of ghost broking and how to protect yourself from it.
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