Home insurance with conviction

Online quotes for ex-offenders with unspent criminal convictions

Searching for home insurance can be a challenge when you have a criminal conviction. Generally, insurance companies do not provide cover to applicants with an unspent conviction, leaving hundreds of thousands of UK residents uninsured and at risk.

Do you have any criminal convictions which are not spent?

Convictions that are unspent must be disclosed when applying for a new role, or a product such as a mortgage or insurance. The length of time that you need to disclose your unspent conviction depends on the crime. You do not have to disclose a spent conviction to your insurer.

Declaring a conviction 

If you or anyone living at the property, including tenants, has a criminal conviction, you must declare it, if asked. If you don't, you may be at risk of your insurance provider cancelling your cover or refusing to renew your policy because of the non-disclosure. What’s more, if you have not been truthful and need to claim then your policy could be invalid and you may not receive any support or pay out from your insurer.

Declaring an insurance cancellation or refusal

Your prospective insurer is likely to ask you whether you have had insurance cancelled, refused or had special terms imposed. You must disclose this information, unless the refusal, special terms or cancellation were employed in reaction to a conviction that was unspent at the time but has since become spent.

Will A Conviction Affect My Claim?

Will a conviction affect my claim?

If you make a false statement and misrepresent the terms of your conviction or sentence then your claim can be rejected.

Read the article

House insurance for people with convictions

Don’t lose hope. HomeProtect can provide home insurance quotes for ex-offenders with unspent criminal convictions online.

We work closely with Unlock, the charity for people with convictions, to ensure that insurance for ex-offenders is available. In fact, we sponsor the Unlock Disclosure Calculator, which helps you to work out when convictions become spent. All information you disclose is stored securely. Information is stored in line with our privacy policy.

How do I know when my conviction is spent?

Unless you were convicted with a prison sentence of over four years, your conviction will most likely become spent. The time it takes to become spent varies depending on your sentence and if you were tried as an Adult or a Young Person (under 18). Once your criminal record becomes spent you no longer need to disclose it to your home insurance provider.

Use the Disclosure Calculator to find out when your criminal conviction will become ‘spent’.

Criminal convictions insurance

  • Complete discretion when taking out a policy.
  • Up to £500,000 rebuild cost on Buildings Insurance.
  • Up to £25,000 legal expenses cover to pay for legal support for property disputes.
  • Public liability up to £5 million available.
  • Access to a 24/7 claims helpline.
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What our customers say

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Criminal convictions insurance FAQs

Need more information? Visit our insurance with convictions FAQs section and get the answers that you need to protect your property.

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It's very simple really - My son-in-law had a criminal record and only HomeProtect would offer house insurance at a a reasonable price. Every time I phone to discuss renewals, they are always helpful.

Dan Gurr via Trustpilot

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