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Legal Expense &
Identity Theft Insurance

Your Identity, Safeguarded

Identify Theft Insurance provides important support and guidance in managing an ID theft. It covers costs related to identity theft, including legal costs to reclaim identity and repair credit.

Insurance comes with an ID Theft Assistance service that ensures access to information on the steps and accompaniment to re-establishing identity. A team of expert can also provide the best practices to avoid the risk of such incident occurring again.

Legal Expense Insurance offers an unlimited Legal Assistance line and covers legal fees if legal representation is required. The product can be used for defense or prosecution purposes. Legal Expense Insurance protects from overwhelming legal fees and expenses in specific disputes such as breach of contract, latent defects, bodily injury etc. Legal Insurance can also cover court costs.

How does ID Theft Insurance works

Coverage is offered to family member living under the same household. The insurance product has two components: an insurance component and an assistance component. Insurance may include three types of compensation:

  • Lawyer’s and expert’s fees related to solving the ID theft issue
  • Judicial and administrative costs
  • Loss of wages

To get assistance or report a claim, you just must call the ID Theft toll free number.

How does Legal Expense Insurance works

Legal assistance gives access to a team of lawyers. These experts put their experience and knowledge to good use for you in the case of a dispute or if you want general information. They take the time to inform the insured about the state of law and answer questions so afterward the insured can identify the best legal strategy to solve or prevent an issue. What is covered:
  • Consumer transaction
  • Bodily injury & property damage
  • Ownership and residence
  • Income security
  • Succession and protective supervision (in absence of contestation)
  • Assistance to quickly access a lawyer for relevant legal information on all areas of law:
    • Practical and detailed answers
    • Unlimited number and duration of calls
  • The insured can hire the lawyer of his choice.
  • The lawyer’s fees, expert fees and court costs are paid by the insurance up to the maximum amount stipulated in the insurance contract.
  • No deductible
  • Legal fees paid up to a maximum hourly rate of $150 & limits per stage
  • 60-day waiting period
  • $10,000 per dispute
  • $20,000 per year
  • Prompt and thorough handling of claims.
Note: other conditions apply
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