Beware the new car insurance scam

Frank May/DPA/Press Association Images

Are you one of the 20,000 motorists who could be driving uninsured, after being duped by a 'ghost broker'? Experts are warning that this sophisticated scam is now pulling in thousands of British motorists, and leaving them completely exposed in the event of an accident.

So how does the scam work, and how can you protect yourself?