Identity Theft Insurance – Why You Really Must Have It

Online identity theft is a huge problem nowadays

. In the last 5 years alone, it has been estimated that almost 700 million records containing personal information such as credit history, e-mail details, and even bank account details have gone missing or been stolen. If you haven't experienced online identity theft then its likely that you will, sooner or later.

No matter how diligent you are, you can still fall foul of this massive security issue, and what's more, the criminals are getting smarter by the day. E-mail phishing scams are now so convincing that they persuade unsuspecting internet users to practically hand over their personal details without giving it a single thought. Vast online databases of credit card numbers can be bought and sold for a few thousand dollars from rogue websites and its even possible to for the more determined fraudster to hack directly into government and banking websites and simply siphon off all kinds of personal information.

So, what can you do to prevent it? Well, the answer is not much I'm afraid. Of course, don't respond to any suspicious e-mails and make sure that our anti virus software and firewall software is constantly kept up to date. Make sure that any website that asks for credit card details uses the https protocol (it can usually be identified by a small padlock in the address bar on your browser) and, of course, just keep an eye out for anything that looks suspicious.

However, one sure fire way to stay protected is to get yourself some identity theft insurance. Specialist providers are now offering packages that protect you from the more serious effects of identity theft. For example, a leading provider, Identity Edge, offers a full $1,000,000 of protection for only a few dollars a month, so you should be well covered in the event of being compromised.

Of course, identity theft insurance won't stop the inconvenience and upset caused by online identity theft but it can protect your money so that's one less thing you have to worry about.

Identity Theft Insurance Why You Really Must Have It

By: Dave Simpson

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