Page 146 - CCA Platinum Policy Wording

Identity theft
Your specific responsibilities
Report identity theft immediately
As soon as you become aware of the theft of your identity, you must take all necessary steps to limit the damage. Tell us right away, report it to the police, alert your creditors and follow the advice given to you by your legal advisers.
Use our preferred legal adviser
We strongly recommend that you use our preferred legal advisers. However, should you prefer to use your own legal advisers, you are responsible for any differences in the fees charged.
Act in time
You must avoid delays by giving timely and appropriate instructions to your legal advisers. If not, your claim may be rejected.
Listen to your legal advisers
You must follow the professional advice given to you by the legal advisers, or your claim may be rejected.
Do not incur costs without our consent
You must get our consent before incurring any legal costs or expenses; otherwise your claim may be rejected. So you must send all bills or estimates to us for approval.
Return all recoveries to us
In any legal action that you undertake to reinstate your identity, you may succeed in recovering costs and expenses from the other party. These are known as recoveries, and must be returned to us.
Tell us about any additional insurance
You must tell us about any additional insurance that you may have for legal costs and expenses, or your claim may be rejected.
144 HBM – CC&A Plain Language – 23 June 2014