Tackling ghost broking – data, detection and industry collaboration
Panel discussionUnderwriting Club Briefing 3Claims Club Briefing 3
2025-09-11 | 09:50 AM - 10:40 AM
Information
Ghost broking continues to pose a serious threat to consumers and the integrity of the UK insurance market. These illegal operators exploit digital platforms to sell fraudulent or invalid policies, often targeting younger or vulnerable drivers. In response, enforcement agencies and the insurance industry are stepping up collaborative efforts to detect, disrupt, and prevent ghost broking at every stage of the customer journey. This session will explore how intelligence sharing, digital monitoring, and advanced analytics are being used to combat the issue, alongside strategies for raising public awareness and improving internal detection systems.
- How can insurers and brokers strengthen quote-stage and onboarding controls to flag suspicious behaviour earlier?
- What role can data sharing and collaborative intelligence play in identifying repeat offenders and coordinated fraud activity?
- How are digital platforms (social media, messaging apps) being monitored to detect ghost broking adverts and scams?
- What tools, such as predictive modelling or AI, are insurers using to flag irregularities in documents, payments, or policyholder profiles?
- What’s needed from enforcement, regulation, and industry bodies to build a coordinated national response?
- How is the industry helping to raise awareness of ghost broking with consumers?
- What role can legislation, regulators, and others play in combating ghost broking?
Speakers
John Davies
IFB
Intelligence and investigations manager
Mark Allen
ABI
Head of fraud and financial crime
Detective Inspector Chris O’Donovan
City of London Police
Deputy head – insurance fraud enforcement department