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Identity Theft

 

What is Identity Theft?

Identity theft is a crime in which your identity or your personal data such as Aadhar card, PAN card, credit/ debit card details are used by another person to commit a crime or fraud without your knowledge. As per a report by Securitas, almost 19 people fall prey to identity theft every minute in India.

How does Identity Theft occur?
Some of the common ways by which your identity can be compromised are:

- Stolen wallets. - Intercepting letters and correspondence meant for you. - Skimming your credit/ debit card details at an ATM. - Phishing for information through fraudulent phone calls, emails, etc.

 

How does this affect you?

Identity theft can have far reaching ramifications for your financial and personal life. Fraudsters can apply for credit cards, loans and make purchases using doctored or fake documents bearing your personal information. You would be legally liable for such purchases until identity theft charges can be proven. Your credit score may be impacted and you may not be eligible for credit in the intervening period.

What to do when your identity is stolen?

Discover the source- You should find the origin of the theft. You might have used your debit/ credit card to register on a website or downloaded a new app.

Change your passwords- As soon as you know that your data is stolen, you should change all your passwords for all the financial services that you use.

Contact your bank- You should immediately get in touch with your bank when your credit/ debit card is used for fraud purchase.

File a police report- As soon as you become aware that your identity has been stolen, report the matter to the police and file an FIR. This is mandatory while seeking the reversal of any fraudulent or unauthorized transactions that may be attributed to the perpetrator of the fraud.

Buy cyber insurance and secure yourself from identity theft and other internet threats.

Explore more Cyber Insurance Features.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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