Teenaged insurance ‘ghost broker’ jailed
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A year-old man from Walsall has been jailed for selling fake motor insurance to unsuspecting customers, leaving them uninsured and illegally driving on the roads. The case was eventually passed on to IFED, where officers made enquiries and identified the account as belonging to Hussain.
Hussain was also interviewed by officers the following day, where he denied any knowledge of the fraud. However, officers found over templates and forged documents on the laptop and the phones matched the numbers from the Gumtree adverts.
Messages found on the phones showed conversations about arranging motor insurance policies, asking various individuals for details such as names, dates of birth and addresses. Most of the deposits into the accounts had references of names or registration numbers. When officers compared the reference names from the deposits into the account with the fraudulent certificates found on the laptop, they found several matches.
The majority of the forged certificates were made out to be policies from Allianz, although when officers checked with Allianz, they discovered none were recognised by Allianz as genuine policies.
Hussain was charged on 7 March with four counts of fraud by false representation, and subsequently pleaded guilty to the offences on 3 May at Wolverhampton Crown Court. He was advertising cheap motor insurance deals on Gumtree and sadly he was able to con some people into thinking he was a genuine broker.
Gumtree has since removed the insurance category from its website so that unscrupulous individuals like Hussain are no longer able to operate on there. Ghost broking has a significant impact on both insurers and consumers with serious consequences as shown by the custodial sentence Mr Hussain received.
Protecting our customers is vitally important and we continue to thoroughly investigate all claim and policy concerns, bringing perpetrators to justice. All insurance brokers should be registered through the Financial Services Register which can be found at: Members of the public can also check whether their own vehicle is insured and registered on the Motor Insurance Database at: Anyone who finds their vehicle is not on the register, but thinks it should be should contact their insurer immediately.