Getting home insurance if you have a criminal conviction

Getting home insurance if you have a criminal conviction

Since April 2013 you no longer need to disclose your spent convictions. The only information that you need to provide is any unspent convictions for yourself or anyone registered living at your property. This was in conjunction with a new law that regulates all spent convictions as finished, meaning that they cannot count against you.

What counts as an unspent criminal conviction?

An unspent criminal conviction is any conviction however minor that has not been spent. The spent time can vary depending on offense but this can be a set period after jailed or fine time. Once this period has finished you do not need to disclose any of this information at all, That’s the law according to the Rehabilitation of Offenders Act 1974.

A unspent criminal conviction will have a certain time frame until you are classed as a rehabilitated offender with a new clean record and no convictions against your name that you are still spending. This can be accessed by yourself by the court, police or any documentation that you received after being convicted.

You may be asked when applying for insurance for any convictions that are still being spent

These convictions are assessed statistically with a specific algorithm to accurately produce a insurance quote. The type of offense will differ the quote with the amount of convictions eventually increasing the quotation. You must answer any questions asked but you are not forced to give any information that was not asked unless otherwise stated in the terms of conditions of the home insurance quotation.

Simple cautions, final warnings or reprimands  are spent immediately

Warnings, cautions or reprimands are classed as spent immediately on receipt and will not increase your insurance premiums and will not be asked when asking for a quotation.

Is your conviction spent?

You can check whether or not your conviction is spent by the Unlock website which is an online calculator which works out from your date of conviction, how long you have left.

Find out when your convictions are spent on the Unlock website

Calculate if your conviction is spent on the Unlock website

Best place to find home insurance with a criminal conviction?

Insurance brokers are the best source of quotations and comparisons for anyone in general but more so for people with unspent criminal convictions. Insurance brokers are specifically trained to understand individual needs on a no judgement basis to compare insurance companies for the best quote. They are there to help you.

Remember that the brokers end game is to make yourself happy with a quote you want to accept!

Convicted Home Insurance

So how do you compare home insurance if you criminal convictions or an adverse claims history? Pick up the phone and call us!

Here at convictedhomeinsurance.co.uk we are dedicated to helping people struggling to find affordable home insurance get the best deal available. We have special relationships with the leading insurers in this field and can negotiate you the best rates. It’s not just about price, we can offer a range of flexible policy options whether you’re after buildings, contents or both.

Being an FCA regulated firm, you can also have faith that you’re dealing with a professional insurance company that knows how to put the needs of its customers first. So contact us today and find the right policy to suit your insurance needs!