Identity Protection Alert (“IPP Alert”) Policy Summary

This is a summary of cover only. Full terms and conditions are included in a policy pack sent on acceptance of your application. Terms are also provided at each policy renewal.

The Insurer

Identity Protection Alert is arranged by Card Protection Plan Limited (“CPP”), acting as agent for the insurer, Homecare Insurance Limited.

About Identity Protection Alert

Identity Protection Alert (IPA) provides protection against identity theft, including insurance against expenses and legal costs incurred when telling the authorities and/or financial and other organisations that your identity has been stolen, when correcting personal information after identity theft and if you have to take legal action to remove inaccurate information or defend yourself against actions brought as a result of identity theft.

Policies are sold for one year but will renew automatically until you tell us that cover is no longer required. To be eligible for cover, you must be over 18 and live either in the United Kingdom.

Principal features of Identity Protection Alert

• Up to £50,000 cover against legal and other costs and loss of earnings incurred when repairing credit ratings, financial information and other personal information after identity theft
• Identity theft advice line; alerts when your credit report changes; credit report updates, protective registration of key documents and fraud resolution service

Conditions and Exclusions

These are the most important conditions and exclusions only. Full details of all conditions and exclusions are listed in the policy document. You should refer to this if you want to decide if there are other conditions and exclusions that may be important to you.

• Legal expenses must be notified to us and agreed by us before you incur costs (policy section B1)
• Loss of earnings will not exceed £500 per week and is only available for six weeks in a row (policy section B1)
• Excess of £50 payable on all claims (policy section B1)
• Cover is not available if identity theft is carried out by someone living at your address (policy section A2)
• Commercial identity theft is not covered (policy section A2)

Cancellation

You have a statutory 14 day right to cancel with a full premium refund. This also applies when your policy is renewed. To cancel, please call 0845 121 5080. If you cancel outside this 14 day period, no refund of your premium will be made.

Claims and Complaints

If you are unhappy with your policy, please telephone 0845 121 5080. If you remain unhappy following a complaint, you may be able to refer to the Financial Ombudsman Service (0845 080 1800). Please also call 0845 121 5080 if you want to make a claim. You will then be told what you should do and how you can provide the documents we need to process your claim.

Consumer Protection

CPP is a member of the Financial Services Compensation Scheme so you may be entitled to compensation if we cannot meet our obligations. Insurance advising and arranging is covered 100% for the first £2,000 and 90% for the remainder of the claim, without upper limit.