Hello, Elle!
I have BT protect service, too.
Had it for several months and it worked great until I got new car.
I arranged my insurance on 'phone.
Since then I have had several calls asking about my "car accident".
I have not had a car accident.
I wonder if insurance company passed on my number to the 'phone pests?
Anyway, it is not a great problem for me.
"Worse things happen at sea!"