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Insurance scams sell cover that doesn't exist or won't pay — and some, like fake health insurance or 'ghost broker' auto policies, leave you uninsured exactly when you need protection most. Others impersonate insurers to harvest details or demand bogus claim 'fees'. Always confirm an insurer is authorised on your country's financial regulator register, buy only from recognised providers, and be wary of cover priced far below the market.
Fraudulent policies that look like comprehensive health cover but pay out nothing — or far less than promised — when you need care.
Fraudsters who sell cheap car insurance policies that are forged, cancelled after purchase, or taken out in your name with false details — leaving you uninsured and potentially liable.
Fraudsters collect life insurance premiums for policies that have never been issued, are unregulated, or will deny every claim through hidden exclusions.
Fraudsters pose as insurers or claims handlers, offering fast settlements in exchange for upfront fees or personal details — then vanish.
Bogus travel insurance policies that look comprehensive but exclude the medical events most likely to occur, or are sold by unregulated operators with no claims-paying ability.
Unsolicited calls and letters claiming your warranty or insurance is about to expire — pressuring you into paying for a renewal or product you do not need.
Fraudulent or near-worthless pet insurance policies that collect premiums but deny almost every vet claim through hidden exclusions or outright non-existence.
Fraudsters who target people after floods, fires, or storms — posing as insurers, public adjusters, or contractors to steal claim payouts or personal data.