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4Sight Identity Theft & Legal Expenses

Information: The 4sight product is no longer available for application.

The 4sight product has been replaced with Family Select Identity Theft & Legal Expenses Insurance

4sight from Berkeley Alexander is a domestic legal expenses and identity fraud protection policy, to guard against the unexpected.

This product can be purchased for an annual premium of only £21.90.

Identity theft is one of the fastest growing crimes in the UK. Consider the following:-

  • In 1999, there were 20,000 recorded cases
  • By 2005 this had increased to 137,000
  • It is expected to increase further to 170,000 this year
  • 1 in 3 adults in the UK can expect to be the subject of identity fraud in their lifetime
  • Use of credit/debit cards and payments over the phone increases the risk of ID fraud significantly

If you become the victim of identity fraud, the process of clearing your name can be expensive and time consuming. For a small annual premium, 4sight will provide up to £25,000 cover to pay agreed legal fees and expenses for:-

In Respect of ID Theft:

  • Access to a confidential helpline
  • Costs to defend a claim made by a financial institution
  • The costs of setting aside criminal or civil judgements wrongly entered as a result of ID theft
  • Communication costs incurred in reporting and corresponding with agencies in dealing with ID theft
  • Legal costs to restore credit rating
  • Legal costs to defend proceedings brought against the insured by agencies
  • Loss of earning as a result of time off work whilst restoring credit reference
  • Fees associated with re-applying for a loan rejected due to ID theft

In Respect of Legal Protection:

  • Consumer protection
  • Disputes over selling, buying or hiring of any goods or services INCLUDING selling or buying a home
  • Residential Issues
  • Civil claims relating to physical damage to the insured’s home
  • Claims arising from personal injury or death
  • Employment issues involving an industrial tribunal, arising from a contract of employment

The Cost

This simple yet valuable protection can be purchased as a stand alone annual policy for £21.90 including Insurance Premium Tax. However, if purchased within 30 days of taking out a home insurance policy with Berkeley Alexander, this premium is discounted to £16.43 including IPT.