News Update: Identity fraud hits new victim every two seconds - Javelin Strategy & Research
geico

Geico ID Protection

$6.99/month Identity Protection, A- BBB Rating

News Update: What Americans Are Currently Doing to Protect Their Identity

Geico is a popular insurance company that services more than 18 million vehicles with 12 million auto policies that was founded more than 70 years ago.

geico homepage geico plan comparison

The Good


Geico has one of the best monthly prices for its identity protection services and only for one dollar more, you can get the same exact package for a spouse of family member. One benefit that sets Geico apart from other companies is that instead of having a cap to insurance like a $1 million insurance, there is no limit. If you find yourself in the worst-of-worst situations, then Geico insures you even if you exceed $1 million. You can get your TransUnion score and all three credit reports with this company. Geico also only has one package plan, but it includes an extensive amount of services:

  • Identity Theft Protection Kit
  • Opt-Out Services
  • 3 Bureau Credit Monitoring
  • Post-Incident Identity Monitoring
  • Unlimited TransUnion Credit Report and Score
  • ID Theft Affidavit Submission
  • Creditor Notification, Dispute and Follow Up
  • Credit Freeze
  • Wallet Protection
  • Medical Identity Theft Assistance
  • State-Specific ID Theft Protective Measures Assistance
  • Translation Services
  • Emergency Travel Arrangements & Journey Continuation Assistance

The Bad

If you take a good look at Geico’s good points, all of it has to do with their recovery services. Geico doesn’t have a strong base of protecting your identity, only recovering it. Their only form or system of protecting your identity is using the three-bureau credit monitoring which only covers a certain percentage of your identity which leaves things like your medical records, passport, bank account number, driver’s license and more in the open.

Geico does not offer a trial period so you would end up having to pay at least one month, but they do allow you to cancel anytime without a cancellation fee.

The Bottom Line

Geico does offer a full package that you will want when it comes to protecting your identity. They help you protect, detect and resolve identity fraud all with an affordable price. It will be hard to find another insurance company that offers as many services with such a low price. We would recommend Geico if you already own a homeowner’s policy with them. To receive these benefits plus more, we would direct consumers to true identity protection companies instead of with an insurance company.

Geico provides only one identity theft plan, but members do have the option of getting a plan as an individual or as a couple.

Single Plan – $6.99/month OR $75/year

The primary individuals receives all of the listed benefits provided, but dependent children and a spouse can recieve the resolution services in the incident of identity theft.

Couple Plan – $7.99/month OR $85/year

In the Couple Plan, the primary member AND listed spouse/partner will receive the Proactive credit monitoring, credit reports, Transunion credit score and all features in the prevention, detection and resolution services.  Dependent children will also receive resolution services is they become victims to identity fraud.

 

Prevention Services

24/7 Available Expertise – EuropAssistance’s (EA) assistance line is available 24/7 to educate and inform you on identity theft information

Identity Theft Protection Kit – This kit explains the different types of identity theft and different prevents and resolution tips to take an approach on doing it on your own

Opt-Out Services – You will be assisted in opting out of direct mail campaigns, pre-approved credit card offers and marketing phone calls

 

Detection Services

Three-Bureau Notification and Fraud Alerts – EuropAssistance will contact all three credit bureaus for you and get a copy of your credit report.  They will also place fraud alerts on your file with each bureau to enhance your protection against identity fraud

Three-Bureau Credit Monitoring – Credit monitoring will allow you to be alerted when any key changes were made to your credit history.  Members can choose this option for an individual or for two covered members

Upfront Three-Bureau Credit Reports – You receive a one-time access to your three credit bureau credit reports when you initially enroll in the credit monitoring

Post-Incident Identity Monitoring – If you were a victim of identity theft, EuropAssistance will gain access to a one year of supplementary identity monitoring that notifies you of changes that is related to your identifying information.  Monitoring covers:

  • Payday loans
  • Non-credit loans
  • Criminal activity
  • Change of address
  • Address history
  • Name and aliases

Unlimited TransUnion Credit Report and Score – Members can access their TransUnion credit report and score an unlimited amount times online

 

Resolution Services

ID theft Affidavit Submission – All the hassle of finding a reliable ID Theft Affidavit to claim your identity theft incident is all taken care of.  EA will even submit your Affidavit to the necessary authorities in order to resolve your case

Credit Freeze – At your request, EuropAssistance will even place a credit freeze on your credit report to add extra protection

Wallet Protection – In the event of a lost or stolen purse or wallet, Geico and EA will cancel and replace any items missing or stolen

Creditor Notification – Your resolution assistant will notify and contact all of your creditors to dispute any fraudulent accounts in your name

Dispute and Follow Up – Not only will they do all they leg work, but they will continue to follow up to make sure everything was properly handled

Contacting of Legal Authorities and Police – All tasks that have to do with local authorities and sending proper documents to the required people will all be done for you

Translation Services – If you are ever in need of translation services if you are overseas, EA will provide those translators

Medical Identity Theft Assistance – Your identity is protected even if it has do more than typical financial fraud

State-Specific ID Theft Protective Measures Assistance – If there are any specific procedures for your state, EA will help fill out all those necessary paperwork

Emergency Cash Advance – If your incident of identity theft occurs more than 100 miles aware from your primary residence, up to $500 will be provided in emergency cash advance

Emergency Travel Arrangements and Journey Continuation Assistance – In order to get back home (if you are more than 100 miles aware from home) EA will assist in emergency travel arrangements.  This includes any type of transportation

 

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Our Score
5.1
User Score
--
Rank this Company
Ratings Breakdown

Price

basic package monthly price
$6.99

Identity Protection

protection/monitoring system
Credit Monitoring
Equifax, Experian or TransUnion
Yes
Internet Scanning
important ID information
Yes
Legal Protection
Credit Freeze & Fraud Alerts
Yes
Analytical System
e.g. ID Analytics
No

Identity Recovery

recovery/restoration services

Insurance Quality

identity theft insurance
Insurance Amount
e.g. $1 million, $25,000, $2,500
No Max. Limit
Insurance Provider
the insurance company
Geico
Report Case Within
e.g. 60 Days, 30 Days, 90 Days
2 Years
Lost Wages/Income
e.g. $2,000 or 4 Weeks
No Max. Limit

Credit Monitoring

Equifax, Experian or TransUnion
3/3

CISSP Certified

Certification from (ISC)²
No

Antivirus

antivirus software included
No

Experience

total ID theft experience
1 Year

A-

Number of Reviews

User reviews here on BIDTC
0

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Review Last Updated: June 19, 2014

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