Arranging home insurance if you have a criminal conviction can be challenging. Insurance providers use a vast and varied set of data to gauge risk and determine your premium, only one of which is whether you have a conviction.
People with convictions may present a greater risk of reoffending or may even fall victim to retaliation from someone in their past, which means insurance providers may find it difficult to offer cover.
Where to get insurance if you have a conviction
If you are struggling to find cover, then there are specialist providers such as HomeProtect that can help.
You only need to declare unspent convictions when asked. In most cases, you will be asked directly to declare convictions, as any insurer you are seeking cover from will need to be made aware of your criminal history. This applies to anyone living at your property as well as your own past.
If you take out a home insurance policy and don’t declare your conviction, but are later found to have one, then your provider can cancel your cover or refuse to pay out any claim. It is in your best interests to declare your convictions, even though this may increase your premium in some cases.