Ghost broking’ is a form of car insurance fraud known as scam that targets younger drivers whose annual premiums are guaranteed to be on the large side and therefore will make the most profit for the criminals. Victims of ghost broking rarely know that their insurance policies are not valid, only discovering the truth after an accident or when stopped by the police. The UKs police insurance fraud unit has said that they are seeing an increasing number of such scams that particularly target younger drivers.”]