Can I speak to someone about disclosing criminal convictions?
We are able to provide an online quote in the majority of cases, even for customers with convictions. However, if you are more comfortable speaking with one of our trained agents then they can discuss conviction types and the impact this might have on your home insurance.
Can my insurer find out if I have a criminal record?
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.
What if I took insurance out in my partner's name?
You cannot avoid declaring unspent criminal convictions, if asked. The questions asked apply to everyone living in the household, not just the policy holder. Whether you are living in someone else’s household, or you have someone with an unspent criminal conviction living in yours, you are still required to provide information when asked for it.
What if I break the terms of my probation?
Probation means you’re serving your sentence but you’re not in prison. You could be put on probation because you’re serving a community sentence, or because you have been released from prison on licence or on parole. While you're on probation, you may have to do unpaid work, complete an education or training course, get treatment for addictions, like drugs or alcohol, or have regular meetings with an ‘offender manager’. If you break these or other terms of your probation, you could be taken back to court, and you could be taken back to prison immediately if you've been released on license or parole. This is likely to present you with issues that you need to manage regarding your home.
What information do I have to declare about my conviction?
There are a few things that we need to know in order to move your quote along:
- The name of the criminal offence.
- The year of conviction.
- The year of offence (most recent offence related to the conviction).
- Sentence type.
- If a prison sentence: how many months?
- If a fine: how much?
- If community service: how many hours?
- If conditional/unconditional discharge: how many months?
What is the definition of a criminal conviction?
A conviction is the final verdict by a court where the defendant has been found guilty of the crime for which they were charged.
When is a conviction spent?
Convictions that involve a prison sentence of more than 4 years are unlikely to ever become spent. Apart from those cases, the time it takes for a conviction to become spent varies depending on the sentence and whether the person convicted was tried as an adult or a young person (under 18s).
Use the free online Disclosure Calculator to work out when a conviction is spent.
Do I have to declare spent convictions to insurance companies?
No, you are only required to disclose unspent convictions.