Don’t Get Caught By a Phishing Scam

Person wearing glasses in front of a laptop speaking on a mobile phone

Published - 24 Feb 2023 | Updated - 5 Aug 2025

Fraudsters must be the sharpest and most pro-active people on the planet. The moment we all got used to scanning QR codes, rogue ones started to pop up in car parks.

Even the big names on the high street are vulnerable to digital scammers' tricks. Here's what to look out for and how to keep one step ahead of them.

How to protect yourself from fraud

Fraud is a type of financial crime usually involving unauthorised use of banking information. Examples of fraud include identity theft, bank account takeover and unofficial use of a credit or debit card.

The best way to prevent being a victim of fraud is to avoid sharing too many personal details online, not letting anyone have access to your security details and making sure you store confidential statements securely and/or dispose of them carefully by shredding or redacting them.

Scams are tricks to make you give personal information, banking details or money to a criminal. Examples include too-good-to-be-true deals, requests to transfer money and bogus investment opportunities. There’s no line of communication that’s out of bounds for scammers – they’ll use the doorstep, telephone, text, WhatsApp and email to try to swindle you out of your money.

Most of us know how to spot a phone scam. Someone will try to deceive us into believing we’re speaking to an authentic member of an organisation, such as a bank, government department or a police officer. They’ll usually try to persuade us we’ve been the victim of fraud and try to convince us to hand over financial information or get access to our account. When we hang up, they just call another number.

Don’t get caught out by an email scam

Phishing emails try to lure you into doing something that will cost you. They can seem authentic but, if you know where to look, there are usually signs that they’re not genuine.

Most phishing emails ask you to click on a link that will take you to a web page to enter personal information such as username or password, or even payment card details. But once you’ve entered your details, a cyber criminal can go on to cause you all sorts of problems.

In the following video, Adam White from Saga's Information Technology Security Team shows you what to look out for and explains how Saga can help if you get reeled in.

5 quick tips to protect yourself from scams

Don’t give out personal or financial information just because someone has your basic details and asks. Phone or email the company directly using a trusted method of contact.
Don’t be pressurised into making a decision. A bank or trusted organisation would never force or rush you into making a financial transaction.
Don’t click on any links or open any attachments in a text or email unless you know the email is from a trusted source.
Protect yourself. Delete emails from people or businesses you don't know.
Protect others by reporting phishing attempts or fraud to Action Fraud.

Smishing is a form of phishing using text message (SMS) or, more recently, WhatsApp. Scammers will send fake messages – even trying to sound like family with a cheery 'Hi Mum' – to try and get you to engage in conversation, click on links and ultimately hand over money.

The good news is that if you don’t click on a link, open an attachment or enter any personal information, you’re safe. Similarly, if you don’t disclose personal or financial details to a stranger over the phone or at your front door, you’re in the clear. No genuine business will ever send someone to your home unexpectedly or ask you by phone or email to reveal personal banking information such as your PIN or password.

Avoidance is always the best way to protect yourself from fraud. This includes deleting emails from people or businesses you don’t know, hanging up the phone if the caller is pressurising you into doing something or asking someone on your doorstep to leave if they don’t seem genuine. But even a foiled attempt by a scammer can leave some people feeling shaken.

How Saga Home Insurance can help

If you've got Saga Home Insurance and included our Legal Expenses option, there's help if you've experienced a scam or fraud. For immediate advice and support, you can call a 24-hour telephone helpline. For online issues, there's advice and practical help from the Online Safety Support Service for identity theft, viruses and suspicious emails.

Already have Saga Home Insurance? You can add Legal Expenses any time to your policy. Simply contact us or chat with us online.

Who are Saga's home insurance policies underwritten by?

Saga Home Insurance policies, exclusively for people over 50, are unique products designed specifically for our customers. They are underwritten by a number of carefully selected insurers that provide our high standards of quality and service.