Drivers born in these years warned their car insurance is 'fake' after huge scam

James Rodger
·2-min read
Drivers born in these years warned their car insurance is 'fake' after huge scam
-Credit: (Image: Reach Publishing Services Limited)


As many as three in 10 young drivers have purchased car insurance from a fake broker. Road users and drivers have bought fake car insurance someone operating illegally on social media platforms, according to an Aviva survey of 2,000 drivers aged 17-25.

49 per cent said their details (e.g. age, address) were misrepresented on the policy, meaning it was not valid and 22 per cent said they made a claim which was declined because they weren’t properly insured. 21 per cent said the seller didn't help them when they raised concerns.

17 per cent said the police stopped them and impounded their vehicle or issued a fine for driving without adequate insurance. Aviva has detected 340,000 policy applications with fraud concerns so far this year – and has stopped or removed a further 17,000 policies due to fraud.

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Aviva has also linked 7,000 cases this year to open investigations into known ghost broking cases. Katriona Cunningham, Policy Application Fraud Lead at Aviva, said, “Young drivers aged 17–25 are the first generation to grow up with social media being an integral part of their daily lives. It is understandable, then, that when looking for car insurance, 30% of young drivers said they turn to social media.

“However, ghost brokers are actively targeting young drivers on social media platforms, offering cheap-but-worthless car insurance that puts the young driver at risk of being uninsured. I would say to all young drivers: if a deal looks too good to be true, it probably is. If you engage with someone offering cheap insurance on a social media site, they are probably fraudsters. Avoid anyone offering access to cheap car insurance via social media.

“If you suspect you’ve encountered a ghost broker, report it to the Insurance Fraud Bureau or Action Fraud so they can investigate and prevent others from being scammed.”

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