Protect Your Credit and Your Identity
Identity theft can happen to anyone. In fact, it happened to 13 million people in 20191.The result can be costly, both in financial impact and the time spent to undo the damage. Help safeguard yourself and, in the event of a breach, get reimbursed with GEICO Portfolio Identity Theft Protection from Generali Global Assistance, Inc. With a comprehensive package, backed by $1 million in insurance, you could have the peace of mind knowing your identity is protected2. Learn more about protecting your identity by visiting our identity theft information page.
Why should you consider identity protection coverage?
You may wonder, “Do I need identity theft protection? Is it worth it?” No matter how careful you are, your personal information is being collected, used, and shared. With bad guys itching to steal your data, these fraudsters use sophisticated techniques to take your identity be it cyber-attacks or otherwise. Consider a few ways people become a victim of identity theft:
- Compromised credentials
- Credit card fraud
- Dark web activity
- Data breaches
- Keylogging
- Phishing attacks
- Phone marketing schemes
- Ransomware
- Utility fraud
What does identity theft protection cover?
Day or night, our prevention, monitoring, alerts, and resolution coverage helps to ensure your identity is always protected. We also offer online data protection software, credit profile tracking, notifications of high-risk transactions, and lost wallet assistance. Should the unthinkable happen, certified identity theft resolution specialists are there to help 24/7.
GEICO Portfolio Identity Theft Protection, serviced by Generali Global Assistance, Inc., provides you with complete protection by offering the following services:
Prevention
- 24/7 certified identity theft resolution specialists
- Online resources to help you better understand your digital footprint
- Online data protection software suite to help protect your personal data
- Opt-out services to reduce direct mail and marketing phones calls
Monitoring and Alerts
- Identity risk-level monitoring to detect fraud at its inception
- Credit monitoring and alerts with all 3 major credit bureaus to detect suspicious activity
- Email health check search tool to see if your email address has been compromised in a data breach
Resolution
- US-based, certified identity theft resolution specialists available 24/7 to help restore your identity
- Personal case manager who will monitor and ensure resolution of your claim
- Up to $1 million in identity theft insurance2
How much does identity protection cost?
Plans begin as low as $7.99 per month. You could also save money by paying for annual coverage in full! Gaining some peace of mind is affordable and easy. Don’t wait for your identity to fall into the wrong hands.
Can I manage my identity theft protection from the app?
Yes! The GEICO Mobile app has an identity theft protection portal. You’ll have access to the newly designed, easy-to-use-dashboard and manage your services all in one place.
What should be done if you think your identity is stolen?
If you think your identity may have been stolen Review the Several warning signs of identity theft given below for tips on how to tell if someone may have stolen your identity. Current customers can start a claim online or by calling (800) 206-4065 and If you don’t have coverage, visit the federal government’s website for victims of identity theft, which has a step-by-step recovery plan.
Several warning signs of identity theft
There are very little consumers can do to prevent their identities from being stolen. But by recognizing the warning signs of identity theft, they can prevent damage to a limit. Below are given several points to identify:
If you get a suddenly a call from a debt collection agency.
What does it mean: If they are demanding payment for something you did not buy, then there is a chance fraudsters stolen your credit card details and done on a shopping spree.
Ways to minimize the risk: Order for your credit report once every year, make sure it does not include accounts you have not opened.
If IRS informs you that there is more than one tax return in your name.
What does it mean: that the scammers has filed a phony tax return in your name and pocketed the tax refund and you have fallen victim to tax return fraud.
Ways to minimize the risk: Guard your Social Security number very carefully. Do not give it to any one easily and only give it out when absolutely necessary.
If you notice strange charges on your credit card statement.
What does it mean: If the purchases done on your credit card account and for which you do not receive any notification, then it indicates that scammers may have pilfered your credit card info.
Ways to minimize the risk: Carefully review each monthly statement. Do not respond to unsolicited requests about personal information, like your credit card number or CVV or social security numbers. Before throwing Shred all old credit card statements and any credit card offers you receive in the mail.
If there are withdrawals on your bank statement, that you not done.
What does it mean: It means that someone has access to your bank account and is withdrawing your money and have set off you notification bell for massages and OTP for the bank.
Ways to minimize the risk: Watch out for “shoulder surfers” at the ATM and shield your PIN and password. Install robust virus protection and anti-phishing software on your computer if you bank online.
If You deny a loan after your credit report comes back with unexpected problems.
What does it mean: the Scammers has stolen your identity and racked up debt by opening new credit card or damaged your credit score by defaulting on loans.
Ways to minimize the risk: you should review your credit report regularly. If you don’t have identity protection or credit monitoring, you can visit annualcreditreport.com to get a free copy.
If the passwords to your social media sites dose not work anymore.
What does it means: Fraudsters have gained access to your accounts, which are goldmines of personal information that can be used to decode passwords and answer security questions.
Ways to minimize the risk: Create a complexed password that thieves cannot easily think of and closely review the privacy settings on your social media accounts. Make sure passwords are at least eight characters long and have numbers, symbols and both uppercase and lowercase letters. Also, avoid using complete words, especially your name and your company’s name, and don’t use the same password for multiple accounts
- If your credit card bill stops arriving to your home address or to the mailing address.
What does it means: Scammer may have stolen your credit card number, gone on a shopping spree and changed your billing address to cover his or her tracks.
way to minimize the risk: Keep close tabs on your billing cycles and if your statement is late, call your credit card company.
GEICO’s Identity Theft Protection plan provided by Generali Global Assistance gives you round-the-clock protection and will be there to help if you’re a victim of identity fraud.