S.O.S. Identity® - identity theft insurance
Get the protection you need in the event of identity theft or a cyberattack with S.O.S. Identity.
S.O.S. Identity is an insurance coverage that helps get you back on track after identity theft. There is nothing worse than feeling like you’ve lost control over the life you’ve worked so hard to build.
With S.O.S. Identity coverage, you get access to:
- Protection in the event of identity theft or a cyberattack
- A 24/7 legal assistance hotline
- Reimbursement for fees related to restoring your identity
- Compensation for costs stemming from the repair or replacement of a personal computer’s hardware or software, a mobile computing device, a home connected device, or restoring data incurred as a direct result of a cyberattack or cyber extortion.
- Compensation for loss of income
You can also rest assured knowing that there is no deductible for using S.O.S. Identity, and using the service doesn’t count as a claim for your insurance history.
We also updated our personal liability protection so you can get greater insurance coverage for the equipment you use for your work.
With S.O.S. Identity, you’ll have access to:
A 24/7 legal assistance hotline
From identity theft issues to employment and family law, get answers to all your questions with professional legal advice at any time.
A coverage for the whole family
S.O.S. Identity, your coverage extends to other people living in your home from your spouse to relatives, and all persons under 18 in your care. Even your children will be covered while living temporarily away from home to attend college or university.
What does S.O.S. Identity insurance cover?
With S.O.S. Identity, in the event of identity theft or you could be reimbursed for up to $25,000 for:
- Related legal fees
Including notarized documents, legal defense fees, affidavits, recovery of assets, and other documents attesting to fraud.
- Replacement of your documents
This includes documents issued by the Canadian government such as passports, driver’s licences, and new credit profiles.
- Credit monitoring fees
Including fees related to obtaining or restoring your credit profile and monitoring it following identity theft.
You’ll also be covered for loss of income
You could be compensated for up to $500 per day to a maximum amount of $5,000 per policy year while you are making arrangements.
No deductible. No additions to your claims history.
When you use S.O.S. Identity, all you’ll need to pay is your yearly fee. Any claims you make will not count towards your claims history.
Be sure to speak with a belairdirect agent if you have any questions about what is covered.
How can I add S.O.S. Identity to my home insurance policy?
If you’re not already a belairdirect customer, get a quote for homeowners insurance, condo insurance, or tenant insurance and get the right coverage for your needs. Once enroled, add the S.O.S Identity coverage to your policy.
Already a client? Add the optional S.O.S. Identity coverage to your policy by calling us at 1.833.964.2757 1.833.938.3475 1.833.551.2177 1.833.508.2090 .
Frequently asked questions about S.O.S. Identity
Need some answers before adding S.O.S. Identity to your home insurance coverage? We’re here to help.
Identity theft can affect your insurance the same way it affects your credit score. In fact, because some insurers may perform a credit score check, victims of identity fraud may find themselves paying more for insurance coverage for something they are not responsible for. Identity thieves may also try to make insurance claims using a victim’s coverage, which can also affect premiums and claims.
Using S.O.S. Identity does not count towards your claims history and will not affect your premium.
There is no deductible when you use the S.O.S. Identity insurance coverage. You will only need to pay your yearly fee.
Victims of identity theft could experience the following:
- Misuse of your social insurance number or personal information
- Misuse of your postal address and rerouting or theft of mail
- Opening a line of credit or applying for credit in your name without your authorization
- Unauthorized charges to your credit card or use of your credit card number
- Stolen cheques or counterfeit cheques
- Opening bank accounts in your name without authorization
- Cloned debit cards or credit cards
- Use of a stolen passport or counterfeit passport
- False civil or criminal judgements made in your legal name
- Theft of your personal information through hacking or phishing techniques
Contact your local law enforcement if you have questions about an incident or you believe to be a victim of identity theft. For more tips on preventing identity fraud, visit the Canadian Anti-Fraud Centre website.
Yes, you need to be insured with belairdirect to be able to sign up for S.O.S. Identity. S.O.S. Identity is available as an optional part of belairdirect’s home insurance coverages, which include homeowner’s insurance, condo insurance, and tenant insurance. Talk to a belairdirect insurance agent if you still have questions.