Convicted Insurance - Can my Insurer Find out if I Have a Criminal Record?

07 March 2013

The short answer is yes. And they will, but they may not check until you actually come to make a claim. In which case, if they discover that you have unspent convictions (if you have not fully discharged your rehabilitation period), then your insurance policy may become void because you failed to declare them when the policy started.

Criminal convictions and your insurance

It is the job of the insurance company underwriter to calculate risk, and if you do not mention your criminal record when asked, you run the risk of paying towards a policy that you will never see any benefit from. But the Catch-22 is that most insurance companies do not want to insure ex-offenders and so home insurance with convictions is sometimes difficult to obtain.

Unspent criminal convictions

Unspent convictions will always have to be disclosed to your insurer, but spent convictions do not have to be disclosed. If you do disclose a spent conviction to an insurer, they are required to disregard this and will not be able to take it into account when calculating your premium.

Relevant or irrelevant

Whether you think your conviction is relevant to your insurance or not, you will still be required to disclose it. Insurers use a variety of factors to assess risk, and it is up to them to determine to what degree (if any) your conviction might affect your policy. In the eyes of the law, you have a duty to "disclose material facts". Regardless of whether or not you are asked about your record, because unspent convictions are regarded as material facts, you will always have to declare it to your insurer.

What if I took insurance out in my partner's name?

You cannot dodge the need to declare. Taking out a policy in a partner's name will not allow you to avoid disclosure, as it does not negate the material fact. Even if you are living in someone else's household, or if you have someone with a criminal record living in yours, you are still required to provide information to the insurer.

Failure to disclose

Failure to disclose your unspent convictions when obtaining insurance can have extremely serious consequences. Firstly (as stated above) your insurer will not be obliged to pay out in the event of a claim, nor will you be entitled to the return of any payments that you have made. These rules also apply to homeowners who have someone with undisclosed/unspent convictions living in their household. Because an omission of disclosure is in breach of the law, you would also be exposed to prosecution for attempted fraud.


It is sadly true that many insurance companies will reject your application if you have unspent criminal convictions, simply because you don't fit their preferred customer profile. With HomeProtect you can obtain an immediate online home insurance quote, regardless of any outstanding criminal convictions you (or anyone in your household) might hold. We are proud to be working in association with the independent charity UNLOCK, the National Association of Reformed Offenders, toward developing access to fair insurance for people with criminal convictions.

Find out more about the UNLOCK insurance guide for ex-offenders with unspent criminal convictions.


Article created by HomeProtect -Editor: Elisabeth Soffe

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At HomeProtect we are very proud of our unique, award-winning, online quote service which can quote for 97.5% of all circumstances online, far outstripping our nearest competitor.

That means we can offer you a level of convenience you will not find elsewhere. So what are you waiting for? Get an immediate quote today, no matter what unspent convictions you have.

Struggling to find home insurance?

Find out how we've helped other ex-offenders

At HomeProtect we are committed to helping people with convictions buy the home insurance cover they need to protect their property and their possessions. Find out more about how we've helped other customers with unspent convictions by clicking on the links to the right.

Looking for info on convictions & insurance?

Find out what you need here

What do insurers need to know when you have a conviction? What does non-disclosure mean? What is a material fact? How does probation work?

All these questions and more are answered in our insurance and convictions article directory, a taster of which can be found in the links to the right.

Want more info about insurance and convictions?

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The Web is a vast pool of information a lot of which is fantastically useful and a lot of which is absolutely terrible. We've identified a number of authoritative websites which contain really useful information about insurance and convictions.

For a sample of these, browse through the list of links to the right.