Just a quick heads up I don't know if this affect anyone here but just in case.
I was looking round the internet yesterday and I came across an article concerning a company called CPP who provide credit card and identity theft insurance, currently they are involved in giving people a refund who have been sold this insurance when they didn't really need it as most of the benefits are provided by your bank anyway and they also over stated the risks when it is sold.
After reading the article I realized that I had such a policy between 2007 and 2011 so I called them yesterday to see what I could do and they just call to say I will get a full refund of all my payments + 8% interest
so if anyone here has had such a policy call them.