Sunday 25 February 2007 4.44pm
It's really not worth taking out insurance against identity fraud, as you won't be liable for anything taken from you, except the first £50, and most banks waive that.
However, you should contact credit check organisations and explain the problem, they are suprisingly helpful (obviously they are concerned about fraud). You should also begin making regular checks of your credit files, to see if anything untoward is registered on it. You can pay to do this, so you can check regularly. You can also just receive a copy if you send £2 to them. I think if I was really worried I would pay the monthly figure so I could check it regulalry (though the problem arises which one to use, Experian being the biggest, but there are others).
You could also get a PO box at the post office and collect your mail from there, using mail redirect, but a better designed post box does sound like it might be a good idea in the long term.
You can get a free credit report at: https://www.annualcreditreport.co.uk
. However this can only be done yearly.
Everyone should consider getting regular copies of their credit files, as it's suprising the wrong information which can be held on them, which you have a legal right to have corrected.