Driving without valid insurance, even unknowingly, can lead to an unlimited fine, six penalty points, or having your vehicle seized by police. Many victims of ghost brokers do not realise they have a fake policy until they try to make a claim. Ryan Anderson, fraud analyst at temporary insurance agency Dayinsure, is urging motorists to always verify insurance providers through the Financial Conduct Authority (FCA) register, double-check policy details, verify prices and be cautious of unsolicited offers online. He said: "Ghost brokers are becoming increasingly convincing, using social media to appear credible and trustworthy, but the consequences for drivers can be severe."