Drivers ‘risk losing their car’ with bogus social media insurance scam

Morning Live: Expert shares tips on car insurance

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The Insurance Fraud Bureau (IFB) issued the warning as thousands of drivers prepare to return the roads, especially when going back to the office for work. Scams include ‘ghost broking’, where scammers pretend to be insurance brokers and sell unrealistically cheap and fake policies.

The IFB said that people could be paying hundreds of pounds for what is essentially no more than a photoshopped piece of paper. 

In some cases, fraudsters use stolen personal information to take out policies which are then doctored before being sold on.

When victims try to claim, they realise their policy is invalid and they have no cover.

If a collision is caused by the uninsured driver, they may be liable for covering the costs, which can sometimes run into thousands of pounds.

This can also lead to uninsured drivers having their vehicle seized instantly and are likely to receive six points on their licence.

If this escalates, it can lead to the uninsured driver going to court, where they could receive an unlimited fine and a driving ban.

The IFB warned that an uninsured driving conviction will show on records and can affect job prospects.

Mark Magee, head of driver policy at the Driver and Vehicle Standards Agency (DVSA), echoed the warning to drivers.

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He said: “As well as ensuring you have the skills, knowledge and understanding attitude to drive safely, having valid insurance is of the utmost importance when you drive on your own.

“Check to make sure insurance brokers are genuine before parting with your money.”

This is especially true for young drivers, as thousands of learners prepare to pass their tests.

This follows more than a year of disruption caused by the coronavirus pandemic, with some learner drivers being told to wait more than six months for lessons and tests.

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