Frequently Asked Questions
What is Identity Theft?
Identity theft is the unlawful acquisition and collection of an individual’s personally identifiable information for criminal purposes. In January 2010, Senate Bill S-4 became law, making it illegal to possess another person's personally identifiable information for criminal purposes.
What is Identity Fraud?
Identity fraud is the actual deceptive use of an individual’s personally identifiable information (whether living or dead) in connection with fraudulent acts, including but not limited to wrongful impersonation, or use of credit or debit cards used without authorization.
What are “phishing” email scams and how can I protect myself?
A phishing scam is when an email sent to a consumer looks as if it was sent from a real company the consumer may have purchased products or services from, but in reality it comes from someone else. Often the email address appears to be from a legitimate company and the company’s branding or logo may be on the email. The email usually states that consumer must click a link to go to a site to do something. Upon clicking on the link, the consumer is presented with a site that looks like a genuine site and is asked to enter their name, address, credit card information, or other personal information.
You can protect yourself against phishing scams by ensuring the site you are visiting is the true site owned by the company. In this case, when you are dealing with Marsh Canada Limited, marsh.ca is Marsh Canada’s corporate website and shop.marsh.ca is an official subdomain to that site.
What site am I visiting and how do I know my information is being collected by Marsh?
The domain name can be verified by looking at the address bar or by double clicking on the padlock icon to view the certificate.
You can verify the site you are visiting by looking at the address displayed in the address bar or by double clicking on the padlock icon to view the site’s certificate.
How do I know that my information is securely transmitted over the Internet?
Marsh’s on-line applications use 128 bit encryption to ensure information is sent over the Internet safely. In Microsoft Internet Explorer or Firefox, a secure website is indicated by a closed padlock icon.
Depending on your browser settings, you may receive a pop-up window when entering a secure web site. This is letting you know that the site is secure. If you receive this pop-up window, click “Yes” to accept and continue on the site.
How is Identity Restoration Services different from other identity theft insurance?
When faced with an identity theft incident, some insurance policies will only offer coverage for the fees incurred in the process of restoring your identity. Identity Restoration Services is different. With your authorization, we handle the process on your behalf. Please read our “Tell Me More” section for more details.
Where is service under the Identity Restoration Services policy available?
Service under the IRS policy is available across Canada. Identity Restoration Services Inc. (IRS) has legal representation in place for each province and territory in Canada.
Who is eligible to purchase the Identity Restoration Services policy?
Purchase of this policy is open to the general public, however, insureds must be the age of majority in the province or territory or Canada that they reside.
How do I protect myself from becoming a victim?
How do I learn more about the risks associated with identity theft?
What steps should I take if I have reason to believe I am the victim of identity theft?
Upon registration for Identity Restoration Services, Marsh will provide the address of the Indentassist website to assist with all of the above questions. The site provides access to current articles and news items, identity fraud prevention tips, and other important related information including a Personal Risk Assessment Survey.
Does the Identity Restoration Services policy cover financial losses?
No. The purpose of Identity Restoration Services (IRS) is to help you avoid identity theft through access to resources and provide advice and services to restore your identity if it is stolen. IRS does not provide coverage for financial losses attributed to a Stolen Identity Event, including but not limited to the wrongful giving, taking, obtaining or withholding of money, securities, or other property. It is also important to note that the insured is responsible for service charges or fees incurred relating to the generation of reports or documents by government agencies, credit bureaus, financial institutions, creditors, health care institutions, and other private and/or public sector entities relating to a covered Stolen Identity Event.
What do I do if I suspect I have suffered a breach?
At the first sign of a potential identity theft, or if you have identity theft-related questions or concerns, contact Identity Restoration Services toll free at 1 844 653 4797 or 514 285 4797. You will have 24/7 access to IRS dedicated, multilingual restoration agents.
If I experience a Stolen Identity Event, how long do I have to report the incident?
You are required give notice to the insurer within 15 days from their discovery of the Stolen Identity Event.
If I terminate coverage, is my premium refundable?
No. Your annual premium is non-refundable if you decide to cancel your policy.
How do I purchase Identity Restoration Services protection?
Just click the "Buy Online" button to start the process. You can complete your transaction online through our secure website.
“Identity theft is a serious emerging threat to Canadians as there is the potential for exposure of your sensitive personal information through your everyday interactions. With this in mind, Marsh recommends the purchase of the Identity Restoration Services protection from Trisura. The product first gives you access to the resources you need to make informed choices about how and when you put your personal information at risk. Then, if you do experience a stolen identity event, the service will guide you through the process of restoring your identity – with minimal disruption to your personal life. ”
– Anton Antonov, SVP National Head of Sales, Marsh’s Private Client Services
“At Trisura, we recognize that our increased dependence on technology has made identity theft an issue affecting more and more Canadian consumers each year. To address this, we engaged Identity Restoration Services (IRS) to provide a product to help minimize the risk of identity theft and then deal with the complicated process of restoring an identity, if necessary. Our customers don’t take the risk of facing identity theft alone. In the case of a stolen identity event, IRS knows exactly who to contact, the procedures, the information requirements, and can even complete the forms on your behalf and have them ready for your signature/submission.”
– Richard Grant, Chief Operating Officer, Trisura Guarantee Insurance Company
You can purchase Identity Restoration Services protection through Marsh for only $30 year plus a $2.70 administration fee and applicable taxes.1
1 $30 Annual Premium is per adult. Coverage is not available to individuals who are under the age of majority determined within the province or territory of Canada in which they reside.
Information on this web page represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements determines coverage. It contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions and requirements. Deductibles may apply. For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.