Will a conviction affect my claim?

Understanding when a criminal record can affect your insurance claim
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Like all claims, once submitted, your insurance provider will start the validation process during which time they will confirm the terms of your cover. Depending on the claim, they may also send a loss adjuster to your home. It is normal for your insurer to ask you to confirm that all the information you supplied when taking out home insurance with a conviction or renewing the policy is true.

So, knowing that you have disclosed any convictions correctly, the fact that you or someone else in your household has a conviction shouldn’t have any bearing on your claim. It is only where you have not supplied honest answers that your insurer may refuse to pay out.

If you have failed to disclose information you have been asked for about a conviction when applying for cover then your insurer can refuse your claim. Similarly, if you make a false statement and misrepresent the terms of your conviction or sentence then your claim can be rejected.

Although not a requirement until renewal, it is prudent to inform your insurer of any changes to your policy. For example, if you receive a conviction mid-term then you should ideally contact your provider to update your policy details.

Industry guidelines suggest that insurance providers should ask clear questions about what they need to know. Although you will usually be asked to disclose a criminal conviction, this is not always the case. If, however, you are not asked to declare a conviction before purchasing a policy then your insurer cannot use the subsequent revelation as a reason to reject your claim.

For peace of mind, when you have taken out a home insurance policy, take care to read through all the documents relating to your cover within the 14 day cooling off period to be sure that the policy meets your personal requirements.

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