What are Ghost Brokers?

Ghost Brokers, also known as Illegal Insurance Intermediaries, are people or organisations who sell policies which are not worth the money they are written on. This fraud can work in a number of ways, including:

• Providing false documents to a customer but not purchasing a real insurance policy
• Buying a policy from a legitimate company but using false information to reduce the price and paying with a stolen credit card

Potential outcomes from using a Ghost Broker include:

• Your policy may be cancelled by the provider with no cover deemed to have been in effect
• Your car may be stopped by the police resulting in a non-insurance conviction, the car being impounded and potentially even crushed by the authorities
• You will have to buy a new policy with very little chance of getting a refund from the first policy from the Ghost Broker
• You may be liable for any injuries or damage caused in an accident while the original insurance policy was in force

If you believe you have been targeted by a Ghost Broker pretending to be Tempcover, you can contact us on [email protected] with the following information:

• Which website or social media you purchased the policy from
• The name and contact details of the person you purchased the policy from
• Screenshots of any documents or messages relating to your policy
• Information of any bank account you may have sent money to

This will be shared with Tempcover’s fraud team who will investigate, and where possible, work with industry organisations to identify and investigate the fraudster.