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.
Follow @BBCNewsbeat on Twitter