When your identity is stolen
Identity theft is one of the fastest-growing crimes in the United States. The Federal Trade Commission received more than 1.1 million reports of identity theft in a single year, while Americans reported losing a record $12.5 billion to online fraud. For many victims, the financial loss is only part of the problem. Recovering a stolen identity can take months of work, countless phone calls and a great deal of stress.
Criminals use stolen personal information to open credit accounts, take over online services, file fraudulent tax returns, obtain loans, impersonate victims and commit other forms of fraud. Often, the first sign that something is wrong is an unexpected bill, a declined credit application or notification that an account has been opened in your name.
Expert help when you need it most
The consequences of identity theft can extend well beyond a single fraudulent transaction. Legal expenses, lost income, fraudulent purchases, replacement documents and other costs can quickly add up while you’re working to restore your identity.
Cyber cover from WebScannerPro includes up to CA$1 million of protection for eligible identity theft losses, helping reduce the financial impact while you focus on getting your life back on track.
Details of our identity theft cover
- Identity theft costs
- Up to CA$1,000,000
- Legal costs
- Included
- Lost wages
- CA$5,000
- Childcare / elder care
- CA$5,000
- Mental health counseling
- CA$1,000
- Miscellaneous costs
- CA$1,000
Recognising the warning signs
Signs that your identity may have been compromised include.
- Unexpected transactions or unfamiliar charges.
- New accounts or credit applications you didn't make.
- Debt collection notices for accounts you don't recognise.
- Missing bills or unexpected changes to your credit report.
- Notifications that your passwords, email address or personal details have changed.
- Government correspondence relating to taxes, benefits or employment that doesn't match your circumstances.
Complete protection
Identity theft rarely happens without warning. Personal information is often exposed in data breaches or traded online long before criminals attempt to misuse it.
WebScannerPro Premium+ combines identity monitoring with up to CA$1 million for cover for identity theft loss, providing protection before, during
and after identity theft—helping you detect potential threats earlier, minimise their impact and recover with confidence if the unexpected happens.
Suspect you’re a victim of identity theft?
If you think your identity has been stolen, don’t panic, but don’t delay. Taking the right steps as quickly as possible can help reduce financial losses and limit damage.
Here are some steps you should consider taking immediately:
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Secure your accounts
By changing passwords for affected accounts and any others that use the same password. Enable multi-factor authentication wherever it's available.
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Contact your bank or credit card provider
If you notice unauthorised transactions or suspect your accounts have been compromised.
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Review your credit reports
For unfamiliar accounts or credit applications, and consider placing a fraud alert or credit freeze with the major credit bureaus.
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Report the suspected fraud
To the affected organisations so they can investigate, secure your accounts and help prevent further misuse.
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Replace compromised identification
If documents such as your driver's licence or passport have been stolen or fraudulently used.
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Keep records of correspondence
Case numbers and any actions you've taken, as these may be needed during the recovery process.
Protection you can trust
Your cyber cover and identity protection are the result of a collaboration between Cybertrends, Marsh and HSB (Munich Re) – bringing together expertise in online safety, cyber risk and insurance.
Your policy is backed by HSB (Munich Re) – one of the world’s leading insurance groups – giving you trusted technology, expert support, and financial protection when you need it most.
Get started in 3 steps
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Choose your plan
Select a cyber cover plan that’s right for you or your family.
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Add your details
Once your cyber cover plan is active, you can add the personal information you would like to monitor.
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You’re all set!
We’ll continuously monitor your personal information,
and let you know if it’s exposed.
Frequently asked questions
Identity restoration provides professional assistance to help recover your identity after identity theft. Specialists guide you through restoring accounts, correcting records, and resolving fraud-related issues.
An identity restoration specialist can help you secure affected accounts, work with financial institutions and government agencies, dispute fraudulent activity, and guide you through the recovery process.
Identity monitoring alerts you when your information may be at risk. Identity restoration provides expert assistance after identity theft or fraud has occurred.
A dedicated specialist will guide and assist you throughout the recovery process, helping coordinate with organizations involved. Some actions may still require your authorization or participation.
Recovery time varies depending on the complexity of the case. Some issues can be resolved in days, while more complex identity theft cases may take weeks or months.
Eligibility depends on your membership and policy terms. Contact support to determine whether your incident qualifies for identity restoration services.