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.

steer clear of fraud


  • If a deal seems too good to be true, then it probably is.
  • Ghost brokers often advertise on student websites or money-saving
    forums, university notice boards and marketplace websites such as Gumtree. They may also try to sell insurance policies to you through adverts in pubs, clubs or bars, newsagents and car repair shops.
  • Be wary of brokers using only mobile phone or email as a way of contact. Ghost brokers have even been
    reported using messaging apps, including WhatsApp, Snapchat and Facebook. Fraudsters don’t want to be
    traced after they’ve taken money from their victims.
  • If you are not sure about the broker, check on the Financial Conduct Authority or the British Insurance Brokers’ Association website for a list of all authorised insurance brokers: register.fca.org.uk and biba.org.uk
  • You can also contact the insurance company directly to verify the broker’s details.
  • You can check to see if your car is legitimately insured on the Motor Insurance Database website: ownvehicle.askmid.com

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



To view a leaflet explaining the dangers of ghost broking and how to protect yourself from it, created by Action Fraud and the City of London Police, click here.

To view the leaflet in Polish, click here.

To view the leaflet in Arabic, click here