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Car insurance fraud 'could have lost me my licence'

23 October 2013 Last updated at 06:12 BST

Pete Townsend, 21, lost hundreds of pounds when he was tricked by a ghost broking site.

It's when victims are targeted through websites, on social media and on university campuses.

They are offered a car insurance policy at a greatly reduced rate, often paying a large sum of money upfront.

In most cases the driver doesn't realise they aren't insured until they are in a crash or stopped by police.

They are then liable for six points on their licence and have to pay any damage costs out of their own pocket.

Fake insurers 'target young drivers'

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