Ghost Brokers and Fake Insurance: Making Sure Your Car Cover Is Real

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About Course

“Ghost brokers” sell fake or invalid insurance – often car cover at a price that seems a bargain. Victims may only find out after a crash or a police stop. This course explains how the scam works, the FCA’s warning signs, how to check a broker and your policy, and what to do if you think you have been caught out. It also covers fake warranty calls.

Tutwoo is an independent learning provider. This course gives general information written from published official guidance for older people and the families who help them. It is not legal, medical or financial advice. Rules can change, so check the official websites listed before you act.

© 2026 Tutwoo UK Limited. This course was created in-house by Tutwoo and is our original work. It is for your own learning only: please do not copy, share, record or resell it.

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What Will You Learn?

  • Recognise how ghost brokers and fake warranty sellers operate
  • Check an insurance broker or insurer on the FCA Firm Checker
  • Confirm your car appears on the Motor Insurance Database
  • Know the consequences of driving uninsured and how to report a scam

Course Content

Course Lessons

  • How ghost broking works
  • The warning signs and how to check
  • If you have been caught out

Sources & Further Reading
The official guidance this course is based on.

Final Assessment

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