A simples guide

Home insurance for people with convictions

It’s important to protect your home and your possessions with the right type of insurance, but did you know if you have a criminal record it may be more difficult to get insurance for your home? Some standard providers will offer a quote if you have a criminal conviction but you may find you need a specialist home insurance company. You’re not alone though, there are over nine million people in the UK with criminal records.


Do insurance companies ask about convictions?

Normally, yes they will ask you if you have any convictions and you need to disclose these, unless the conviction is now ‘spent.’

It’s also worth noting that you have to disclose all unspent convictions, even if they have nothing to do with fraud or theft to make sure that your policy isn’t invalidated in the event of making a claim and the provider finding out about undisclosed convictions. 

home insurance

What is a spent conviction?

The Rehabilitation of Offenders Act 1974 has given people the right not to have to disclose a conviction after a certain amount of time. This is when the conviction is called ‘spent.’ The amount of time until it is spent depends on the crime that was committed.

For example, if you got a suspended prison sentence, or you served six months or less, your conviction is spent two years after you have served your sentence, which starts from the date you were convicted in court. If you committed a crime and you were sent to prison for four years or more, this crime is never spent.

If you need to find out of your convictions are now ‘spent’ you can visit a website called Unlock, a site especially for people with convictions with a lot of useful information to help you understand your situation.

Remember though, you don’t have to disclose spent convictions. Insurance companies may ask you to supply an official basic disclosure form which can be obtained from Disclosure Scotland for £25 (you don’t have to be from Scotland to get this).

house keys

What will happen if I don’t tell them?

If you choose not to tell your insurer about your ‘unspent’ criminal conviction and your home insurance provider finds out, it may invalidate your insurance which means your claim will not be paid. It’s best to be honest and look for a good deal on home insurance that takes into account your conviction.

You should also bear in mind that an insurance provider might ask about any criminal convictions for all the members of your household, not just the policy holder. That could include your partner, parents, siblings and even children living with you in your property – so be honest. 

Does home insurance for people with a criminal conviction cost more?

Yes, it can be more expensive than ordinary insurance, but if you look around and compare prices, you should be able to find an affordable policy that will provide you with a home insurance with a criminal record.

We can help you search for companies that give you the home insurance cover you need. All you need to do is answer some questions about yourself and your property and we’ll do the hard work for you. We search our database of insurance companies and give you a list of those that can give you home insurance even though you have a criminal conviction. And if you need to speak to someone for more information, we have experts on hand to help you too.

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