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Frequently Asked Questions

What is Identity Theft and Legal Expense

Identity Theft and Legal Expense coverage is an additional measure of support for our customers that provides expert legal advice on a wide range of legal matters including employment law, income security, landlord and tenant issues. Additionally, the coverage can help you to restore your identity in the event it is stolen and can provide funds to cover expenses that you may incur while doing so.

I don’t have a homeowner’s policy; can I still use this temporary service?

Yes, this service is available from May 1, 2020 to August 31, 2020 to all customers with an active policy with us between May 1, 2020 and August 31, 2020, regardless of the type of policy you have with us.

I noticed that I already have this coverage and I am paying for it, will I be reimbursed?

No. As part of our Covid-19 pandemic relief measures, we are making this coverage temporarily available to all of our customers for the time period of May 1 to August 31, 2020 only.  Your coverage will continue to be available to you for the duration of your Comprehensive Home Owners policy (approximately 12 months in total).

Do I pay a deductible to use this coverage?

You will not be charged a deductible for asking legal questions or seeking legal advice under our Identity Theft and Legal Expense coverage. 

How soon can I use this service? Is there a waiting period?

There is normally a 60-day waiting period associated with this coverage; however, given the current extraordinary circumstances we have eliminated the waiting period so that our customers can get legal advice as quickly as possible. As a result, this service is available to you from May 1, 2020 to August 31, 2020.

How often can I use this service?

There are no limits on how often you can use the service.

What should I do if I need to use this temporary service?

To use this temporary service, please call 1-877-866-8699 to reach a team of legal experts. Please know that they are available to you, Monday to Friday 9:00 am to 8:00 pm.