I bank with Lloyds TSB and they offer a service called http://www.privacyguard.co.uk/ to protect you against ID theft. It costs £6.99 a month and was after some advice on if it’s worth it. Should banks not cover this by default? I’m pretty cautious with post/emails and what web sites I visit, I shred my post but I know people that have had ID theft and still concerned it could happen to me?