Help Centre

Tempcover is authorised and regulated by the Financial Conduct Authority No: 746985. Registered in England, Company NoL 9923259. Our website can be found at www.tempcover.com and we will refer to our company as Tempcover or Tempcover.com. All other naming conventions (e.g. Tempcover Now) are not legitimate.

If you suspect anything suspicious, please email [email protected] or report the activity to https://www.actionfraud.police.uk.

The below organisations are able to offer help and support if you feel you’ve been the victim of a fraud attempt.

Action Fraud – The UK’s national reporting centre for fraud and cybercrime. All reports are passed on to the National Fraud Intelligence Bureau which is run by the police. Call 0300 123 2040 or visit www.actionfraud.police.uk for practical advice and more information.

CIFAS Protective Registration – CIFAS offers protection against identity theft for those who may be at risk. You are considered at risk if your personal documents have recently been lost or stolen, you’re the customer of an organisation that has lost or leaked data or you’ve been advised by the police you’re potentially the victim of identity theft.

Insurance Fraud Bureau (IFB) – You can report someone who you think may be committing insurance fraud via the IFB’s ‘Cheatline’. Call 0800 422 0421 or visit www.insurancefraudbureau.org in the strictest confidence. All information submitted is reviewed and analysed. Where appropriate, the IFB will issue alerts to insurance industry members, regulators and law enforcement agencies.

Tempcover applies multiple systems to identify organised car insurance fraud and prevent quotes being obtained through our website.

Tempcover works in collaboration with our Insurance Providers to identify, locate and stop fraudulent activity. We support all cross-industry anti-fraud work and work closely with various Industry organisations to create a tougher environment for fraudsters.

If you believe you have been a victim of fraud, please email Tempcover at [email protected].

Your identity can be stolen in a number of ways including:

Fake websites: These will ask for ‘confirmation’ of your security details, or prompt you to enter personal information. When you supply your details, they are fed back to a criminal to use fraudulently.

Phishing: Phishing is the use of authentic-looking but fake emails, often claiming to be from trustworthy organisations, such as banks or tax authorities, e.g. HMRC. It is a form of social engineering, designed to convince you to respond and reveal sensitive information.

While the emails may look genuine, their purpose is usually to convince you to click on a link through to a fake website, which also looks convincingly like the real thing. Some phishing emails contain attachments which may contain data-stealing viruses.

Once you’ve opened or downloaded these attachments, it can unleash malicious software (or malware) onto your system, causing damage or capturing information to send back to the person behind the attack.

Other: Identify theft can also happen through phone calls, texts, tweets or other communication methods as well as more traditional methods of raiding dustbins or stealing your mail.

The following tips can help keep your data safe and secure:

• Shredding all letters, envelopes and receipts before putting them in the bin
• If you fail to receive documents you were expecting, such as insurance documents, bank cards or applications for services, contact the Royal Mail and get this investigated.
• Check your bank and credit card statements regularly looking for all payments you don’t recognise, of any value.
• If you move home, arrange for your post to be redirected to your new home so your mail isn’t opened by someone else.
• Check your credit report regularly to identify any unexpected checks.

Ghost Brokers, also known as Illegal Insurance Intermediaries, are people or organisations who sell policies which are not worth the money they are written on. This fraud can work in a number of ways, including:

• Providing false documents to a customer but not purchasing a real insurance policy
• Buying a policy from a legitimate company but using false information to reduce the price and paying with a stolen credit card

Potential outcomes from using a Ghost Broker include:

• Your policy may be cancelled by the provider with no cover deemed to have been in effect
• Your car may be stopped by the police resulting in a non-insurance conviction, the car being impounded and potentially even crushed by the authorities
• You will have to buy a new policy with very little chance of getting a refund from the first policy from the Ghost Broker
• You may be liable for any injuries or damage caused in an accident while the original insurance policy was in force

If you believe you have been targeted by a Ghost Broker pretending to be Tempcover, you can contact us on [email protected] with the following information:

• Which website or social media you purchased the policy from
• The name and contact details of the person you purchased the policy from
• Screenshots of any documents or messages relating to your policy
• Information of any bank account you may have sent money to

This will be shared with Tempcover’s fraud team who will investigate, and where possible, work with industry organisations to identify and investigate the fraudster.

• Do not buy a policy from an unusual source such as Instagram, Twitter, TikTok or even in person.
• Use a recognised, FCA-registered insurer such at Tempcover.com or aggregator, such as Confused.com.
• Read your documents carefully when you receive them to ensure they are accurate.