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Aviva is asking Ofcom and online platforms to tighten controls on fraudulent financial-services advertising, including by checking advertisers against relevant Financial Conduct Authority (FCA) permissions, removing fraudulent adverts faster and sharing intelligence with insurers and enforcement bodies. These are proposals in Aviva’s response to Ofcom’s consultation, published on 2 October 2026—not final rules or requirements already in force.
What Aviva wants Ofcom and online platforms to do
In its 2 October 2026 response to Ofcom’s consultation on Fraudulent Advertising Codes of Practice, Aviva supported stronger action against online insurance fraud. It urged platforms and authorities to:
- Verify financial-services advertisers against the relevant FCA permissions.
- Remove fraudulent content more quickly.
- Contribute more proportionately to enforcement and victim support.
- Share intelligence more closely with insurers, platforms, regulators, consumer groups and law enforcement.
Aviva UK Personal Lines chief executive Owen Morris welcomed the consultation as “an important step towards reducing the harm caused by fraudulent online advertising.” He warned that without new regulation and more coordinated enforcement, more people could fall victim to scams. Ofcom’s final rules and any effective date are not established by Aviva’s announcement.
What Aviva’s figures show—and what they do not
Aviva said its cease-and-desist notices to suspected ghost brokers had doubled and website takedowns had increased more than eightfold compared with 2025. The company did not give the underlying counts or detailed methodology in its 2 October 2026 announcement, so these figures describe Aviva’s reported enforcement activity, not the total scale of fraud in the UK. Aviva’s announcement also relayed FCA research saying 49% of young drivers had bought insurance through social media or messaging apps; the underlying FCA publication is not linked here.
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Other Aviva figures use different sources and populations. In 2025, Aviva said cases of ghost broking it detected were up 22% since 2023 and more than 4% year on year. Its survey of 2,000 drivers aged 17–25 found 31% said they had bought car insurance through social-media platforms. Among young drivers who said they had bought a fake policy on social media, 84% reported problems. These are not interchangeable measures of a national trend.
In that 2025 survey, reported problems included incorrect policy details (24%), declined claims (24%), the seller disappearing (19%), police stops (16%) and identity theft (16%). The categories should not be added together as though respondents could report only one problem. In Aviva’s detected cases where relevant fee data was recorded, victims paid an average of about £2,000: an average £1,700 premium plus a £300 additional fee.
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Sources: Aviva’s 2025 report on ghost broking.
What ghost broking is and how it can leave you uninsured
Ghost broking is the fraudulent sale of fake or invalid motor insurance by someone posing as an intermediary. A scam can involve:
- Documents for a policy that does not exist.
- A genuine policy bought using false details, such as a different address or driving history, then passed to the customer.
- A policy purchased using stolen bank details and resold to an unsuspecting driver.
- A convincing-looking website that impersonates an insurer, collects personal information and payment, and supplies counterfeit documents.
In each case, a certificate or policy document alone may not prove that you have valid cover. The insurer may have no policy on record, or the details on a real policy may be wrong. Aviva warns that victims can face rejected claims and the consequences of driving without valid insurance, as well as identity fraud.
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The Association of British Insurers (ABI), in its October 2025 submission to Ofcom, described fraudulent motor-cover adverts on Instagram, Facebook and TikTok. It also cited a pattern in which a genuine policy is cancelled soon after purchase: the fraudster seeks a refund but keeps the victim’s money. That account is the ABI’s description in an industry consultation response, not a regulator’s finding. Read the ABI submission to Ofcom.
How to check whether your car insurance is real
Use the checks for what each one confirms; no single check replaces confirming the policy and all its details directly with the insurer.
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| Check | What it confirms |
|---|---|
| FCA Register | Whether the broker is authorised for the relevant financial services. |
| The insurer, contacted independently | Whether the policy exists and its details are correct. |
| Motor Insurance Database | Whether the vehicle appears on the database. |
- Look up the broker on the FCA Register. Use the register’s own details rather than relying only on contact information supplied by a seller.
- Contact the insurer using contact information you find independently. Ask it to confirm that the policy exists and that every detail is correct.
- Check the vehicle’s insurance record in the Motor Insurance Database.
Aviva’s consumer guidance sets out these verification steps and reporting routes. Read Aviva’s guide to ghost broking.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Warning signs when buying insurance online
- An offer looks unusually cheap or a seller says they can secure cover at a price that seems too good to be true.
- The seller communicates only through social media or messaging apps.
- Payment is requested to a personal bank account.
- The seller resists checks with the insurer or will not provide details you can verify independently.
A social-media advert is not automatically fraudulent. The key is whether you can independently verify the seller’s authorisation and confirm the policy with the insurer. Aviva’s advice to young drivers is to check that a seller is genuine before paying.
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What to do if you suspect you bought fake car insurance
- Contact the insurer named on the documents using independently found contact details. Ask whether the policy exists and whether its details are correct.
- Report suspected fraud to Report Fraud or the Insurance Fraud Bureau.
- Do not treat paperwork from the seller as proof of cover while the insurer’s records remain unconfirmed.
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