Get Home Insurance with a Criminal Record

Home insurance if you have a criminal conviction

If you have found it difficult to arrange home insurance because of a conviction, you’re not alone.

Intelligent Insurance is a UK specialist broker. We can often help by searching a panel of insurers for suitable options, based on your circumstances.

Get a quote in minutes, with UK-based support if you need it.

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Help with home insurance after a conviction

If you or someone who lives in the home has an unspent conviction, it can affect the insurers who are willing to offer cover, the price, and the terms.

The most important thing is to answer insurer questions honestly, so you are properly covered if you ever need to make a claim.

We can often help people who have:

Had trouble getting a quote because of a conviction history
Been declined by a standard insurer or a comparison site
Needed buildings insurance, contents insurance, or combined cover
Needed monthly payment options (where available)

How it works

Tell us about the property and your circumstances
We search our insurer panel for suitable options
You choose the policy that fits your needs

What you’ll need

To get started, it helps to have:

Property address and occupancy details (for example, who lives there and how often)
Relevant conviction details requested during the quote journey
Previous insurance and claims history (if any)

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Why Choose Intelligent Insurance?

Specialist broker, not a comparison site

We look beyond standard “tick-box” quoting and search a panel of insurers who can consider non-standard circumstances.

A quote that reflects your situation

We aim to find suitable cover options based on the information you provide, rather than forcing you into a one-size-fits-all policy.

Handled sensitively and confidentially

We understand this can be a delicate subject. Your information is treated confidentially, and we only ask what is relevant to your quote.

UK-based support if you want it

Prefer to talk it through? You can speak to a member of our UK-based team.

Prefer to speak to a real person?

If you have questions or would like a little guidance, use our online chat or call 0333 311 0390 to speak to our UK-based team.

Tailored specialist home insurance for your circumstances

An intelligent approach to home insurance if you have a criminal conviction

We’re a UK specialist broker, and we know every home and homeowner is different.

We take a practical approach, searching our panel of insurers for suitable buildings and contents cover based on your circumstances, then helping you choose the option that fits.

What we provide

Buildings cover up to £1,000,000

The amount your insurer will pay to repair or rebuild your home in the event of an insured loss

Contents Insurance up to £100,000

New for old cover for belongings kept in your home

Alternative accommodation

Temporary accommodation in the event your home is uninhabitable

Replacement locks and keys

For lost or stolen keys

Trace and access cover up to £5,000

Replacement and repair to any parts of the building that are removed when tracing escape of water

Family Legal Protection up to £25,000

Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.

Home Emergency Cover up to £250 per call-out

24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

What isn't included?

We don’t cover loss or damage

Caused by wear, tear or gradual deterioration
That occurred before the policy started
Caused by vermin, insects, pets
Caused by dishonest, wilful or deliberate acts
Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas

Cover restrictions

you are only covered up to the maximum claims limits shown on your schedule
you are responsible for any excesses stated in your policy
any exclusions or restrictions shown by endorsement in your schedule

Frequently Asked Questions

Do I need to declare a criminal conviction for home insurance?

Insurers will ask questions during the quote process. It’s important to answer honestly so that your cover is valid if you ever need to claim.

What if the conviction is spent?

Some insurers may treat spent and unspent convictions differently. If you’re unsure, the safest approach is to answer the questions as asked and get guidance if you need it.

Can you help if I’ve been declined before?

Often, yes. If a standard insurer or comparison site has said no, we can search for insurers who may be able to offer cover based on your circumstances.

Will it affect buildings insurance, contents insurance, or both?

It depends on the insurer and the details of the policy. We can search for suitable options for buildings-only, contents-only, or combined cover.

How long does it take to get a quote?

Most customers can complete an online quote in under 10 minutes, depending on the property and the information needed.

Home Insurance Specialists names you can trust

Intelligent Insurance | Pen Underwriting Panel Member

Intelligent Insurance | Arkel Panel Member

Intelligent Insurance | Non-Standard Home Insurance