I would worry. Whoever is offering this “service” is not doing it for nothing and anything they make out of it will be paid for by future increases in insurance premiums. Did you know that when you receive a new Barclaycard you are invited to phone a number to confirm safe receipt, then subjected to an FSA regulated 30 minute sales pitch at your expense on an 0800 number by an outside agency inviting you to pay more than £80 for identity theft protection only £12 of which actually goes towards the identity theft protection and the rest to the sales organisation? Any operation with a reputation needs to be very careful who it allows to subvert its records and make sales pitches at its customers.