Identity Protection

Through your Identity Protection policy you will have unlimited online access to your credit report. These are provided by Experian, the largest credit reference agency in the UK.  You're also covered for the costs of reqesting other credit reports up to £20 per year.

We can set up a separate Identity Protection policy to cover your husband/wife/partner. Please phone us for details about special offers for existing customers.

You can view your credit report as many times as you like online for the duration of your policy, at no extra cost.

As the policy is to cover identity theft we don't provide your credit rating on this policy. However, your credit report and alerts provide comprehensive detail about your credit status.

No. When you access your credit report you are only viewing it, not carrying out any searches. There will be no effect at all on your rating, no matter how many times you view it.

Card Protection insures your existing credit and debit cards from fraudulent use if they are lost or stolen.  We cover you for the legal liability as well as cancelling your missing cards and reordering you new ones. Identity Protection insures the individual against identity theft, which occurs when someone uses your name for financial gain, such as applying for new credit cards, taking out a loan in your name or committing a criminal offence.

Our policy still covers you against the costs of resolving any case of identity theft, such as legal fees, mail expenses and telephone costs.

The policy wouldn't cover losses that occur out of business activity. However, if the loss was personal it would be covered. Call us on 0844 848 7058*.

If you're at risk of identity theft (for example, if someone steals a piece of your personal information), we'll place a protective registration warning with CIFAS¹ to ensure that extra precautions are made before any credit is granted in your name.

¹CIFAS, the UK's Fraud Prevention Service, is a not-for-profit association used by the majority of the UK’s financial services companies to prevent fraud.

Unfortunately, due to the rigorous security checks that Experian carry out, they have to be able to confirm someone's identity before making a credit report available to them.

Take a look at our full terms and conditions.

You will be automatically contacted one month before your policy expires.  Your policy will automatically renew each year for as long as you wish to stay protected - so you'll never be without cover.  If you would like to talk to us about your options at renewal, please call our customer services team on 0844 848 2942*.

If at any time you have a problem with your policy, please call us on 0844 848 2942*, email us via our contact us form, or you can write to the Complaints Manager at:

Identity Protection Plan,
Homecare Insurance Limited,
Holgate Park,
York,
YO26 4GA

We will do our best to answer your query within five working days. If no reply has been sent by then, you will be sent an acknowledgement letter to keep you informed of progress.

If you are not happy with our reply, you can take the matter to:

The Financial Ombudsman Service,
Insurance Division,
South Quay Plaza,
183 Marsh Wall,
London
E14 9SR

Please note that the Ombudsman will not be able to help unless you have first taken your complaint to CPP and your subsequent appeal is made within six months of our final reply.

If you need to cancel your policy, please call us on 0844 848 2942*.

Remember that you have a right to cancel your contracts. If you decide to cancel within 14 days of your start date or renewal date, your contracts will be cancelled immediately and any payment you have made refunded. Please note that if you choose to cancel your contracts outside of the cooling off periods shown above, you will not be entitled to a refund. For more information please refer to the Terms & Conditions you received with your Welcome Pack.