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Fraud Charter Ghost Broker Focus: How proactive are insurers in tackling ghost broking?

By 2026-07-27T08:00:00

ghost broker

Although underwriters are taking action against ghost broking, one head of counter fraud reports that minimal cross-sector cooperation is a real stumbling block that is potentially cancelling out insurer anti-fraud progress

Ghost brokers – criminals posing as legitimate insurance brokers, selling fake insurance policies typically via social media – are becoming a growing problem for insurers.

For example, June 2026 figures published by insurer Aviva highlighted that it had received more than 105,000 fraudulent insurance applications in 2025, with an increasing volume of this activity being attributed to ghost brokers. The insurer added that detected ghost broking scams had increased 7% year-on-year, based on its internal data.

With this type of fraud evidently on the up, what are insurers doing to combat this activity?

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