Identity Fraud Expenses Insurance

As part of your CreditExpert membership, we provide Identity Fraud Expenses Insurance, provided by Arc, underwritten by Inter Partner Assistance S.A, which covers you for:

Reasonable costs incurred relating to the sending of correspondence and telephone calls as a result of identity fraud.
Reasonable lost earnings incurred of up to £500 per week for a maximum period of six weeks as a result of identity fraud.
Up to £200 for the costs of replacing your passport or driving licence should you have a reasonable requirement to replace either of them as a result of identity fraud.
Repeat charges incurred when reapplying for credit for which a previous application was declined as a result of identity fraud.

This insurance also includes:

A £50 payment to cover any administrative costs if you become a victim of fraud.
As part of the insurance you will have access to the Victims of Fraud Team who will help you should you become a victim of identity fraud.
Dealing with all organisations seeking monies from you as a result of their identity being stolen.
Liaising with credit referencing agencies and contacting all other relevant organisations on your behalf to advise that you have been the victim of identity fraud.
Representing you at an interview at a police station prior to formal charges being made against the insured.
Defending civil legal proceedings and/or take reasonable steps to remove a County Court Judgement against you.
For more information about the Identity Fraud Expenses Insurance please read the Policy summary. In addition the Key facts sets out the basic information about us and the service we provide.

Member Login

* Calls cost 5p per minute from a BT landline; calls from other networks may vary and include a connection fee. Calls may be recorded for training and monitoring purposes.

** Monthly fee applies after free trial, new customers only.

[ security | privacy policy | cookies | [ US visitors

Copyright © Experian Ltd, Landmark House, Experian Way, NG2 Business Park, Nottingham NG80 1ZZ, United Kingdom.
Registration No. England 653331. All Rights Reserved.
CreditExpert is provided by Experian Ltd.
Experian Ltd is an Appointed Representative of Motorfile Ltd. Motorfile Ltd, Landmark House, Experian Way, NG2 Business Park, Nottingham, Nottinghamshire, NG80 1ZZ is authorised and regulated by the Financial Services Authority. Identity Fraud Expenses Insurance is provided by Motorfile Ltd as agent for Arc Legal Assistance Limited and is underwritten by Inter Partner Assistance S.A.

Significant features and benefits	Policy section	Significant exclusions or limitations
The Insured is covered for Adviser's Costs to:-		Applicable to all Sections: - Cover is only available if the Insured denies having entered in to a contract and alleges that he has been the victim of Identity Fraud. The Insured must have taken all reasonable steps to protect his Identity and any Personal Identification Number (PIN) that he may hold. There is no cover where Legal Aid is available to the Insured. There is no cover for claims arising from a case of mistaken identity or alleged mistaken Identity. Any financial loss must have occurred after the Insured first purchased this insurance Adviser's costs incurred must be proportionate to the amount of the Insured's loss and any benefit that would be gained from legal action. The Insured must provide sufficient evidence to support an allegation of negligence against an organisation.
Deal with all organisations seeking monies from the Insured as a result of their identity being stolen or where a person or organisation has fraudulently applied to that organisation for credit, goods or services in the Insured's name.	1
Liaise with credit referencing agencies and contact all other relevant organisations on the Insured's behalf to advise that the Insured has been the victim of Identity Fraud.	2
Defend civil legal proceedings and/or take reasonable steps to remove a County Court Judgement against the Insured by an organisation that the Insured is alleged to have brought, hired or leased goods or services from including preparing and arranging for the Insured's signature in relation to any required Affidavits.	3
Represent the Insured at an interview at a police station prior to formal charges being made against the Insured. Cover is only available where the Insured denies the alleged offence on the basis that he has been a victim of Identity Fraud.	4
Subject to the Underwriters being satisfied that there has been an act of negligence, pursue civil legal proceedings against an organisation that has, through their negligence, caused the Insured to suffer a financial loss as a result of Identity Fraud.	5
The Insured is covered for: -
Reasonable costs incurred by the Insured relating to the sending of correspondence and telephone calls to financial institutions, credit rating agencies, Arc's panel solicitors or the police as a result of Identity Fraud.	6
Reasonable lost earnings incurred by the Insured of up to £500 per week for a maximum period of six weeks as a result of having to meet or deal with financial institutions, credit rating agencies, Arc's panel solicitors or the police as a result of Identity Fraud.	7
Up to £200 for the costs of replacing the Insured's Passport or Driving Licence should the Insured have a reasonable requirement to replace either of them as a result of Identity Fraud.	8
Repeat charges incurred by the Insured when reapplying for credit for which a previous application was declined as a result of Identity Fraud.	9
A fixed amount of £50 to cover any other expenses the Insured incurs in addition to the above in having to deal with Identity Fraud as a result of an Insured Incident. Only one payment of £50 will be made per Insured Incident. Payment is subject to investigation by the specialist Credit Expert Victim of Fraud team and confirmation by them that the Insured has been the victim of Identity Fraud.	10

Limit of indemnity £75,000 Territorial Limits United Kingdom		There is no cover where:- The Insured has not been the victim of Identity Fraud. The Insured Incident began to occur or had occurred before the Insured purchased this insurance The claim is false or fraudulent. The Insured did not act to take reasonable precautions against Identity Fraud or take action to protect himself from Identity Fraud or contact Experian CreditExpert within 30 days upon receiving an Alert from the Experian CreditExpert Credit Monitoring Service. Adviser's Costs have not been agreed in advance or are above those for which Arc has given its prior written approval. The ID Fraud has been carried out by a member of the Insured's family living with the Insured. There is no cover: - For Adviser's Costs arising from loss of cash from a bank, building society, credit union or other similar financial institution where that institution has refused to cover the loss. For any losses incurred by the Insured as a result of Identity Fraud unless specifically insured under this policy. Prior to the issue of court proceedings, for the costs of any representative other than those of the Adviser unless expressly agreed by Arc. Such agreement is entirely at Arc's discretion. Prior to the start of legal proceedings (unless a conflict of interest arises) for Adviser's costs incurred by any legal adviser other than Arc's panel solicitor. The Insured must agree to be added to the CIFAS Protection Register if the Adviser recommends it. The Insured must notify claims as soon as reasonably possible of the Insured's knowledge of the Insured Incident and complete the claim form if requested. This must be returned promptly with all relevant information.

Identity Fraud Expenses Insurance

This insurance also includes:

Insurance Details Print Download Close

Identity Fraud Expenses Insurance Policy Summary