In early February 2023, the UK government published a warning against the ‘cestui que vie trust’ car insurance scam. If you have been approached by anyone claiming to sell car insurance under the banner of a ‘cestui que vie trust’, or others offering false information on how to claim from these fictitious funds, be aware that this is a fraudulent scheme.

What is the ‘cestui que vie trust’ scam?

‘Cestui que vie’ is a French phrase meaning ‘he who lives’ and is a legitimate legal term with a long history. The term refers to an individual who is a beneficiary with rights to property in an estate. It’s most frequently used in life and health insurance policies. Similarly, a ‘cestui que trust’ is an archaic but legitimate phrase referring to the beneficiary of a trust.

A ‘cestui que vie trust’ appears to be an amalgamation of the two terms, but it is entirely fraudulent – it does not exist. There are fraudsters currently claiming to sell car insurance backed by government funds. They advise individuals to claim money from the government using this imaginary ‘cestui que vie trust.’ No such funds are available from the government.

Should you purchase this fraudulent insurance, you will be classed as driving without insurance. This is illegal and risks fines, court appearances and vehicular seizure by the police.

If you or anyone you know has been the victim of the ‘cestui que vie trust’ car insurance scam, report it to Action Fraud or call 0300 123 2040.

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Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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