Zander Identity Theft Review
Refreshingly affordable ID theft protection from a trusted brand
- Affordable plans start at just $6.75/mo.
- Up to $1 million in stolen funds reimbursement
- Endorsed by finance guru Dave Ramsey
Zander Insurance is mainly a home and auto insurance provider, which is not my bag, but what is my bag is their identity protection service. In this digital world, it’s easy to find out people’s sensitive credentials and use them to steal their identities, whether that’s filing a tax return with their Social Security Number, taking out a loan in their name, or even registering a car to someone else. That’s where identity monitoring services come in, to oversee different channels for your personal info.
In this Zander Insurance identity theft review, I’ll be telling you everything you need to know about their identity theft protection service, from what exactly it covers to pricing and everything in between. Let’s get started!
Zander Insurance Features
Now, one thing that sets Zander Insurance apart from all of the other identity monitoring services I’ve reviewed is that they won’t monitor your credit score or report. Typically, this is either bundled with identity monitoring or is offered as one package, but for Zander Insurance, credit scores and reports from TransUnion, Experian, and Equifax aren’t a thing.
Keep in mind that it’s pretty easy to monitor your credit for free, which is why the company says it’s not included. However, if you wanted to review these reports automatically, then Zander Insurance definitely isn’t for you. They also don’t monitor the activity on your bank or credit card accounts, but rather look for your account and card numbers on the Internet, so you’ll have to self-monitor your financial accounts for fraud.
Really, what Zander Insurance monitors is your credentials on the Internet, which includes the dark web. If you’re not familiar, the dark web is an area of the Internet only accessible through special software where all of the users are completely anonymous, making it a hotbed of cybercrime. Here’s what Zander Insurance is looking for:
- Financial fraud
- Medical ID theft
- Tax fraud
- Criminal ID theft
- Social Security fraud
- Child ID theft
- Benefits and employment fraud
- Title fraud.
Despite the lack of credit monitoring and monitoring for the activity of your bank accounts and card numbers, this coverage is pretty comprehensive. If your credentials are found anywhere online, Zander Insurance will alert you via email and app notifications. Of course, like any other identity monitoring service, it can’t prevent identity theft completely, which is why they offer up to a $1 million in reimbursement if your identity is stolen, plus help from a restoration specialist.
Zander Insurance Privacy and Security
In order to monitor your identity properly, Zander Insurance needs some personal information from you, including your:
- Driver’s license number
- Social Security Number
- Phone number
- Medical insurance number
- Debit and credit card numbers
- Bank account numbers.
Aside from the personal information you gave them, here’s what data of yours Zander Insurance keeps whenever you visit their website:
- Traffic data
- Communications data
- Information about your computer and Internet, including your IP address, operating system and browser type
- Non-identifiable information like your username, password, job title and employer name
- Third party content that syncs with your profile like your email contacts, mobile contacts and calendars
- Responses to surveys, if you contact them
- Transaction details and financial information
- Search queries on website
- Data from cookies.
This may seem like a lot, but it’s actually pretty standard for websites to keep all of this information. And believe it or not, I’ve seen identity monitoring services that keep a lot more of your data, including biometrics like fingerprints and DNA.
Zander Insurance ensures it’s customers that all of this information is protected by firewalls and that all payment transactions are encrypted. While they wouldn’t get more specific, unfortunately, this was also the case with every other identity monitoring service I’ve reviewed.
Using Zander Insurance
Setting up and using ID monitoring was easy with Zander Insurance. First, I picked out the individual plan and entered my name, email, birthday, phone number and billing information. Then, they gave me a membership ID number, which I used to activate the account. After entering my Social Security Number, creating a username and password as well as a security question and answer, I was in.
Next, Zander Insurance prompted me to add more information, like my passport number, driver’s license number, any retail store/ membership cards, and my medical ID, so they could monitor the Internet for this data. I skipped this for now, because I wanted to check out my Personal Information Monitoring Report. Alarmingly, I already had a few alerts that my credentials had been found online, including from a forgotten Poshmark account. Thank god Zander Insurance let me know, because I’m not sure I would have found out otherwise before it was too late.
Aside from accessing the information monitoring report, you can also access Zander’s education and restoration centers or get quotes for other Zander products. The setup process was really easy, and the dashboard was simple to navigate in general.
Zander Insurance Subscription Options
When it comes to subscriptions, Zander Insurance keeps it very simple. You can either by an individual plan for $6.75 a month or $75 a year, saving you $6, or buy a family plan that’ll cover two adults and up to 10 kids for $12.90 a month or $145 a year, saving you $9.80. With either plan, you’ll receive the exact same monitoring, alerts, and reimbursement services.
Compared to some of it’s competitors, Zander Insurance is one of the most affordable identity monitoring services around. I also love that you can pay monthly and don’t have to sign a long-term contract, although discounted yearly plans are available. I’ve seen similar services charge up to $50 a month, locking you into a year, so Zander Insurance is definitely winning when it comes to subscriptions!
Zander Insurance Customer Support
If you need help with Zander Insurance, you can call them, fax them, email them, fill out a form on their website or check their online help center, which I must say is pretty limited. When I emailed them with a few questions, it took about a week to get a response, and by that time, I had already called to get the answers I needed. But I must say that the phone support was excellent as was the email support, albeit delayed. I’d recommend calling for the fastest results.
The Zander Identity Theft Protection App
In order to receive notifications and access monitoring reports and identity restoration services, you’ll need the Zander Identity Theft Protection app for Android or the Zander ID Theft Protection app for iOS. The app has pretty good ratings, a 3.9 on the Apple store and a four star rating on the Google Play store, although that’s from only three ratings. Charles Atwood, an Android user, wrote in a recent five-star review,
“Its great that with a couple clicks I can cleanly read the page and update my info.”
Overall, I’d definitely recommend Zander Insurance for identity monitoring for a few reasons. Of course, it has it’s drawbacks, so I wanted to break it down for you even further.
I’d go with Zander Insurance if you’d like…
- Comprehensive identity monitoring: You’ll be monitored for many different types or fraud and theft.
- Low prices: Starting at only $6.75 a month, Zander Insurance provides the lowest prices I’ve seen for identity monitoring and restoration.
- Monthly plans: I also like that you can sign up for a month and cancel without any fees.
But Zander Insurance isn’t for you if you’re looking for…
- Credit monitoring: If you use Zander Insurance, you’ll have to either manually check your credit reports or sign up for another service.
- Bank and card activity monitoring: While Zander Insurance checks the web for your bank and card numbers, they won’t monitor your accounts or cards for fraudulent activity.
That’s it from me! I included some FAQs below, but if you still have questions, be sure to leave a comment and I’ll get back to you soon.
Zander Insurance FAQs
- Is Zander ID Theft any good?
Zander ID Theft is a good service, with comprehensive identity monitoring, low prices and monthly contracts. However, if you want credit monitoring, then Zander ID Theft isn’t a good choice.
- Which is better, LifeLock or Zander?
I would choose Zander Insurance over LifeLock. Not only is it much more affordable and flexible, but Zander hasn’t had any issues improperly storing customer data and advertising falsely, unlike LifeLock.
- What is the best identity theft protection?
PrivacyGuard provides the best identity theft protection. They have extremely comprehensive credit and identity monitoring, affordable pricing starting at $9.99 a month and flexible contracts.