A “prospective buyer” answers your advert, asking for the insurance data of your vehicle, allegedly to look into the cost of insurance. Using your insurance data, the scam artist then files a fraudulent insurance claim.
A prospective buyer calls after seeing your advert posted on the web. He/she alleges to be interested but somewhat reticent about high insurance costs. He/she asks about your insurance premium. Upon hearing the amount, he/she asks who your insurer is, allegedly to compare premiums with his/her insurer. He/she may also ask for your licence plate number and other vehicle data.
Actually the scamster intends to file a fraudulent insurance claim in the name of a fictitious garage or work¬shop (windscreen repair and replacement are very popular claims). Of course, you never had any such claims and if your policy includes a no claims bonus, this insurance scam could drive your insurance premium up.
Please note: Before posting photos of your vehicle on the Internet, make sure to mask/obliterate the licence plate. Never give any prospective buyer information about your insurer, your terms and conditions etc. or disclose your licence plate number, either personally, over the phone or in writing. By withholding such information, you give scam artists less of a chance to find relevant information regarding your vehicle and insurance.
You were contacted by a prospective buyer and have disclosed your vehicle and insurance information? Find help here…