Insurance · Motor · Home · Life

Filter ghost broking and identity fraud before a quote is generated

Ghost broking, fronting, and application fraud cost the UK insurance industry billions annually. TDS Risk screens the mobile number at the very start of the quote flow — before your fraud bureau check, before your underwriting engine, and before any premium is calculated on a fraudulent submission.

✓Screens mobile numbers at quote capture — before any fraud bureau cost is incurred

✓Identifies VOIP and non-personal lines used in ghost broking and fronting

✓SIM swap detection catches account takeover at policy renewal or mid-term adjustment

✓Does not affect credit files — completely separate from credit-based rating factors

✓FCA-audit-ready signed audit trail on every single check

<2s

Per check

UK carriers

<1hr

To go live

£0.35

Flat rate

Trust Score — Live Live signal

820 / 1000

riskLevel

4 — 720h+

lineType

mobile

phoneRisk

false

carrier

Upstream Impact Pays for itself

Upstream Checks Run

90,000

Bad Submissions Blocked

19,800 / month

Downstream Cost Avoided

£138,600

Net Monthly Impact

+£107,100

Example Trust Score response 200 OK

{ "trustScore": 820, // 0–1000. Higher = more trusted "riskLevel": 4, // 4 = no SIM swap in 720+ hours ✓ "simTimestamp": "2023-05-22T03:48Z", // Last SIM event "indicators": ["OL"], // OL = ownership >45 days ✓ "carrier": "EE", // Mobile network "lineType": "mobile", // Not VoIP, not landline ✓ "phoneRisk": false, // Not on shared fraud lists ✓ "callInSession": false, // Not call in session ✓ "countryCode": "GB" }

The problem

What fraud costs your business today

👻

Ghost broking

Fraudsters sell fake or invalid policies using stolen or fabricated identities and mobile numbers, often with VOIP lines that can't be linked to a real person.

🚗

Fronting & application fraud

Named drivers listed as main drivers, addresses misrepresented, and identities borrowed. The mobile number is often a VOIP line or recently activated SIM.

🔄

Policy takeover at renewal

SIM swap used to intercept renewal OTPs and redirect policy or payment details. Most detectable in the 24–72 hours following a SIM swap.

📊

Fraud bureau cost on all quotes

Fraud bureau checks run on every quote — including the high proportion that are either fraudulent or never convert. Upstream filtering reduces this cost significantly.

Ghost broking applications almost always come from VOIP numbers or recently activated SIMs. TDS Risk catches both before the quote engine runs. The reason codes tell us exactly which signal triggered — we feed them straight into our fraud scoring model.

Fraud Analytics LeadUK general insurer

⬆ Upstream check

TDS Risk sits at quote capture — before your fraud bureau check. VOIP lines, non-personal numbers, and high-velocity SIM swaps are caught at step one. Every fraudulent quote stopped upstream is a fraud bureau check, a rating query, and a potential claim that never happens.

£0.35

Trust Score / check

<2s

Response time

Where TDS Risk sits

Upstream. Before the costs hit.

TDS Risk doesn't replace anything in your stack. It sits before it — catching bad submissions before they trigger the processes that cost you money.

← You are here

📡

TDS Risk check

Trust Score at quote start. VOIP detection, SIM swap, lineType.

£0.35

→

Step 2

🔍

Fraud bureau check

SIRA, IFB, insurance-specific fraud databases.

£0.50–£1.50

→

Step 3

📊

Credit / rating check

Credit-based rating factors and risk scoring.

£0.50–£1.50

→

Step 4

📋

Underwriting

Risk assessment and premium calculation.

£3–£15

→

Step 5

❌

Fraud claim or ghost policy

Invalid claim, ghost policy, or regulatory action.

£1,000+

The maths is simple: if your combined downstream cost per fraudulent submission exceeds £0.35, and TDS Risk catches even a fraction of those submissions, the upstream check pays for itself — while protecting every system downstream.

5–10%

Typical fraud rate in UK insurance quote flows

£3–£15

Downstream cost per fraudulent quote reaching underwriting

£1.3bn

Detected insurance fraud cost to UK industry annually (ABI estimate)

£0.35

Cost of a TDS Risk check — at quote capture, before any downstream cost

Signal depth

The carrier signals that matter most for insurance

These are the fields your risk logic should act on for this use case. Every response includes all of these — plus the full reason code set.

lineType

string

Non-Fixed VoIP and non-personal lines are strongly associated with ghost broking. Catch at quote start.

trustScore

integer 0–1000

Composite risk score. Low scores on insurance applications are a strong early fraud signal.

riskLevel

integer -1 to 4

SIM swap detection. Critical for identifying policy takeover attempts at renewal and mid-term adjustments.

phoneRisk

boolean

Number appears on shared fraud lists. High-confidence block signal for insurance fraud.

carrier

string

Live carrier — catches numbers presented as mobile that are actually MVNO or VOIP routes.

accountType

string (KYC)

Prepaid account type is disproportionately associated with insurance fraud. Use as a risk uplift factor.

Reason codes to watch

These reason codes appear most frequently in insurance fraud patterns. Build your decision logic around them.

RLHigh-risk line type — Non-Fixed VoIP or Prepaid

NMLine type was not mobile — rejects non-mobile submissions

NPNon-personal line — not a consumer mobile number

DVHigh device change velocity — account takeover signal

LPDevice or SIM change within 90 days

D1Web-scraped number showing as active

OLOwnership tenure >45 days — stable, lower risk

RNListed as mobile line on Override Services Registry

Stop ghost broking at the quote form.

A single carrier signal check at the start of your quote flow. Under 2 seconds. £0.35. Before your fraud bureau check even runs.

£0.35 per check · Credits never expire · Does not affect credit files · ICO Reg. ZB300553

Filter ghost broking and identity fraud before a quote is generated

What fraud costs your business today

Upstream. Before the costs hit.

The carrier signals that matter most for insurance

Stop ghost broking at the quote form.

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