What's going on here?

[PhyllisOphical]

I have had two attempts to take out an insurance policy in my name by persons unknown. One was detected immediately by an insurer and the other was detected and cancelled by a second insurer just before I called them.
One of these got as far as a confirmation of direct debit letter. This was for an account with a bank I do not use.

I have taken immediate steps to protect my identity, but this has left me puzzled.

How does a fraudster gain by insuring a car using my name and address? They didn't use my money, and would have found it difficult to claim on the policy which was for a 15-year-old premium German car with a personal number plate.

[bigandclever]

Some form of ghost broking, I'd guess.

[poo at Paul's]

bigandclever said:

Some form of ghost broking, I'd guess.

Not sure how you’d sort this, can’t figure out who you gunna call.

[stuthemong]

poo at Paul's said:

bigandclever said:

Some form of ghost broking, I'd guess.

Not sure how you’d sort this, can’t figure out who you gunna call.

I’ve not heard of similar around here so sounds like something strange in your neighbourhood.

[48k]

stuthe said:

poo at Paul's said:

bigandclever said:

Some form of ghost broking, I'd guess.

Not sure how you’d sort this, can’t figure out who you gunna call.

I’ve not heard of similar around here so sounds like something strange in your neighbourhood.

I believe they do it to feel good.

[NikBartlett]

I had this once, only found out when the pack from the insurance company arrived in the post. I only assume it's because some low life's cannot get insurance so they use us more insurable mortals instead.

[anonymous-user]

48k said:

stuthe said:

poo at Paul's said:

bigandclever said:

Some form of ghost broking, I'd guess.

Not sure how you’d sort this, can’t figure out who you gunna call.

I’ve not heard of similar around here so sounds like something strange in your neighbourhood.

I believe they do it to feel good.

I ain't afraid of no scam.

[Teddy Lop]

NikBartlett said:

I had this once, only found out when the pack from the insurance company arrived in the post. I only assume it's because some low life's cannot get insurance so they use us more insurable mortals instead.

Figures.

If it works, ie they pick someone who doesn't check mail, or all docs are email/online etc, they have have a "clean" appearing car.

If it fails, policy cancelled and they get refunded, try again.

Polices no doubt got better things to do.

OP might be worth running checks for identity fraud etc, but you're probably a random pick.

[donkmeister]

It's a way of getting a cheap policy so the car doesn't flag ANPR.

No way of telling how rife it really is, but my local police occasionally report how they pulled over a teenager in something too big/fast to look right despite not pinging. Then the insurance is in the name of a retired GP or similar, hundreds of miles away, who had no idea they had the policy.

[Ffordd Ar Gau]

Saw this and immediately thought of this thread….