Ghost Insurance

Reports of "ghost broking", scammers selling fake car insurance, have risen by 30% over the last five years. Ghost brokers sell false policies to drivers, manipulate information given to genuine insurance companies, or take out insurance and cancel it straight away. This leaves people without valid car insurance, which is illegal.

A victim lost over £500 to a ghost broker. He was looking for cheap car insurance and saw an advertisement on social media for a deal which was half the price of other companies. He bought the policy, and it was only when he tried to make a claim after a crash that he discovered the truth: He called up Aviva and they told me there wasn't a policy taken out in my name and that the number we had given them was not a number they would use.

Aviva was not at fault. Victims are lured in by genuine-looking websites and are sent professional-looking invoices. Victim received insurance documents that looked so real, they even fooled the police officer at the accident.