Don't be tricked by fake car insurance

Deal too good to be true? It probably is!

Bogus car insurance deals sold by fraudsters called ‘Ghost Brokers’ are growing on social media. Fall victim, and you’ll be out of pocket and breaking the law by driving uninsured!

Learn the signs of the scam and help spread the word!

There's been a big rise in bogus motor insurance deals being promoted on popular social media sites like Facebook, Instagram, SnapChat and TikTok.

Young drivers, including those getting their first car, and learners who need learner cover, are most at risk of being targeted and the policies are completely worthless!

The consequences of driving on fake cover are devastating. Your car can be seized and potentially crushed by police. You'll get an instant £300 fine and 6 licence points. You could be taken to court where you can get a driving ban and/or an unlimited fine.

Have you been offered an unrealistic car insurance deal? Always do your checks.

Avoid Ghost Broker scams

What is a Ghost Broking scam?

Ghost Brokers are fraudsters pretending to be insurance brokers. They promote bogus car insurance deals on social media and sometimes on fake insurer websites, and target young drivers with unrealistically cheap policies.

A red flag could be that they promise the lowest rate on the market, even if the driver has convictions - and they'll even offer up-front quotes, despite the fact car insurance is meant to be priced based on the risk of the individual.

The fraudster often then encourages further discussion through encrypted messaging apps like WhatsApp to arrange payment and keep illegal dealings in private.

The policies are usually taken out using stolen personal information, which is how they've been sold on at a reduced rate, or they may be a photoshopped piece of paper; in both instances, the policy is still invalid and the victim is driving uninsured.

Seen a dodgy deal? Trust your suspicions: avoid it and report it to CheatLine.