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Beware of paying cash up front for ‘fake cover’ and always check contact details

Before buying a policy through a broker or intermediary, always make sure that they are registered.
Consumers can check the regulatory status of the firm or individual by using the Central Bank website in the Registers section. Beware of buying policies through non-traditional sources, including social media accounts or pop-up offices.
Look out for the contact details as a way of spotting a fraudster.

Ghost brokers will often only include a mobile number, a location and a first name by way of contact details.
Legitimate brokers will provide full contact details and a fixed address.

If the broker immediately offers you an insurance quote (some will do this via text) when you call, then you should know that something is not right, according to Liberty Insurance.
If you believe you are getting a deal that is too good to be true, then it probably is.

Be wary of brokers asking for payment in cash up front.
Most reputable brokers will accept credit card payments and will have clear terms and conditions.

If members of the public are concerned about the insurance they have purchased, contact the insurer named on your policy.

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