Motor Insurance: Personation
The question
To ask the Secretary of State for the Home Department, what steps her Department is taking to help reduce identity theft by ghost brokers selling fake car insurance policies.
Answered by Dan Jarvis
The Home Office works closely with law enforcement and industry partners to reduce fraud, including in the insurance sector. In October 2024, the Home Office also launched the Insurance Fraud Charter with major insurers to strengthen action against illegal intermediaries.
Operationally, the Insurance Fraud Enforcement Department investigates referrals from insurers and runs targeted operations, alongside public awareness campaigns delivered with the Insurance Fraud Bureau and the Association of British Insurers. The Insurance Fraud Breau also launched its, Avoid Ghost Brokers, campaign in May 2025 to warn the public about fake car insurance deals.
The Motor Insurance Taskforce, has also set out measures to tackle fraud and ghost broking in their report published in December 2025. The report is available online at: Motor Insurance Taskforce: Final Report and Actions.
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