Home insurance with unspent convictions

Finding Home Insurance quotes with Criminal Convictions can be difficult and stressful.

At One Insurance Solution (a trading style of Brightside Insurance Services Ltd), we have access to a panel of non-standard insurers, meaning we can often provide insurance where other companies can't.

We have plenty of experience when it comes to helping find home insurance for people with convictions. Get in touch with us today to find out more.

We can help insure your home if you have received:

A custodial sentence
A suspended sentence
Community orders
Fines & Conditional discharges

Home Insurance

As the majority of insurance is calculated on a risk basis, underwriters need to know as much as possible about the item or person they are insuring. This means asking personal questions like what you do for a living, previous claims and if you have any unspent criminal convictions. If you would answer yes to the last question, some insurers may decline insurance. Fortunately, One Insurance Solution are able to provide home insurance for ex offenders.

When purchasing insurance you will not be required to disclose spent convictions. If you have any unspent convictions you will need to disclose these. In order to provide you with an accurate quote you may be asked for more details about your unspent conviction so it is best to be honest. If the correct information is not provided your policy could be cancelled, claim rejected or not fully paid.

Home Insurance for ex offenders FAQs

How long do you have to disclose a criminal conviction?

The length of time you have to disclose a criminal conviction will depend on the type of sentence received. For example, custodial sentences over a certain amount of time are never spent and will therefore need to be disclosed. For insurance purposes, you will only need to disclose unspent convictions. If you are unsure if your conviction is spent, visit the 'unlock' website for further information. They have put together some helpful guides to assist ex offenders with home insurance and criminal convictions.

Do you have to declare spent convictions for home insurance?

Under the rehabilitation of offenders act 1974, you do not have to disclose spent convictions to an insurer. If you are unsure if your conviction is spent or not, we recommend visiting the 'unlock' website who have further information. If your conviction is unspent it is important to answer any questions about your conviction truthfully. This will give the insurer the correct information in order to give you an accurate quote.

How much is home insurance for people with convictions?

Insurance prices for those with criminal convictions will be different dependent on circumstances. The usual elements will be used to calculate the risk of insuring your property, for example: its size, construction type, contents value etc. Other factors are than rated such as previous claims, area statistics, financial history and criminal convictions to name a few. Naturally, insurance prices will be higher for those with convictions compared to those without. One Insurance Solution however, have access to a panel of insurers giving a better chance of finding cover for a price that you're happy with.