Home Insurance With Conviction
Home insurance quotes for ex-offenders with unspent criminal convictions online.
Home Insurance with Conviction
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 not, you may be at risk of your insurance provider cancelling your cover or refusing point blank to renew your policy because of the non-disclosure of material facts. What’s more, if you have not been truthful and need to claim then your policy could be invalid and you will not receive any support or pay out from your insurer.
Home Insurance for Ex-offenders
Don’t lose hope. HomeProtect can provide home insurance quotes for ex-offenders with unspent criminal convictions online.
How do I know when my conviction is spent?
Unless you were convicted with a prison sentence of over 4 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