Yes. Having a criminal conviction does not automatically mean that you cannot get home insurance.
Some standard insurers may be less willing to offer cover where a policyholder or someone connected with the property has a criminal conviction. Specialist insurers can often consider a wider range of circumstances.
At Intelligent Insurance, we work with a panel of insurers and provide the information they need to assess your application. The cover available, price and terms will depend on factors including the conviction itself, when it occurred and the sentence or outcome.
Every application is considered on its own circumstances.
We can arrange:
When you apply for home insurance, we’ll ask for enough information for the insurer to understand the circumstances of the conviction.
Depending on the questions asked during the quotation process, this may include:
It is important to answer the questions you are asked accurately and completely.
Providing the correct information helps the insurer assess the risk properly and offer cover on the appropriate terms.
Whether a conviction is considered spent or unspent can affect whether it needs to be disclosed.
Under the Rehabilitation of Offenders Act 1974, many convictions become spent after a specified rehabilitation period. The length of that period depends on factors including the sentence imposed and, in some cases, the age of the person at the time.
In general, spent convictions do not need to be disclosed for home insurance unless you are specifically required by law to provide them.
Unspent convictions may need to be declared when an insurer asks about them during the quotation process.
If you’re unsure whether a conviction is spent or unspent, the Unlock Disclosure Calculator can help you check the relevant rehabilitation period.
The safest approach is always to read each question carefully and answer exactly what is being asked.
We try to make the process as straightforward as possible.
Start your quote by providing the usual information about your property, who lives there and the type of cover you need.
Where relevant, we’ll ask for information about any criminal convictions so that insurers can assess the application correctly.
We’ll search our panel of insurers and show you the cover available based on the information provided.
You can complete your quote online or speak to one of our team if you’d prefer some help.
Yes, it may still be possible to get home insurance with an unspent conviction. The cover available will depend on the details of the conviction and your wider circumstances. As a specialist broker, we can search our panel of insurers for suitable cover where possible.
You should answer the questions asked during the quotation process accurately and completely. Whether a conviction needs to be disclosed can depend on whether it is spent or unspent and on the wording of the insurer’s questions.
In general, spent convictions do not need to be disclosed for home insurance unless you are specifically required by law to provide them.
If you are unsure whether a conviction is spent, the Unlock Disclosure Calculator can help you check the relevant rehabilitation period.
You may be asked about the type of conviction, when it occurred, whether it is spent or unspent, the sentence or outcome, and who the conviction relates to. The exact questions will depend on the insurer and your circumstances.
Yes, contents-only cover may be available if you do not need buildings insurance. We can also arrange buildings-only or combined buildings and contents cover, depending on your circumstances.
It can affect the premium or terms offered, but this will depend on the conviction itself and the insurer’s underwriting approach. Different insurers can assess the same circumstances differently, which is one reason using a specialist broker can help.
Some motoring convictions may not be relevant to a home insurance application, but you should always read each question carefully and answer exactly what is being asked.
The insurer may ask about convictions relating to other people living at or connected with the property. If this applies, provide the information requested during the quote so the insurer can assess the application correctly.
Home insurance arranged for someone with a criminal conviction can still provide the same core protection you would expect from a home insurance policy.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
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Making a claim has never been easier – just follow these three simple steps.
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
