Insurance quotes for ex offenders with a criminal record or unspent conviction
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Insurance quotes for ex offenders with a criminal record or unspent conviction
Home and Motor Insurance - Buildings and Contents Insurance - Landlords and Tenants Insurance |
An ex offender, person with a criminal record or unspent conviction will find it difficult to get insurance.
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Under present UK insurance law, you must disclose all
‘material facts’ when applying for any type of insurance policy. This includes
all criminal convictions which are ‘unspent’ under the Rehabilitation of
Offenders Act 1974. It includes the convictions of everyone who will be covered
under the insurance contract, and includes your partner and children, and it
doesn't matter about the type of offence it still has to be disclosed. Non
disclosure will more than likely result in a refusal to pay out on a claim and
void the policy. The onus of responsibility lies with the person to disclose the criminal record, offence or unspent conviction, and not with the insurance company to specifically ask about it. So if the insurance company does not ask about criminal records or convictions at the time of applying for the insurance it will come out at the time of making a claim, and it is then that the insurance becomes void. Providing insurance for ex offenders, people with unspent convictions and criminal records is a specialist area and requires insurance brokers that have developed relationships with the underwriters. UNLOCK provides a list of these brokers and companies that can help and by using the contact button above you can send your details for a call back to discuss what you need. As figures on the latest figures show there are over 8 million people on the UK Government's Offender Index and each one of theses will probably need insurance at some point. Whether it is motor, home, public liability, landlords or perhaps tenants insurance. There is a menu of documents that are available from the UNLOCK website which has been set up to help reformed offenders. It is called The National Association of Reformed Offenders and there are PDF files available for download. UNLOCK has published an extensive list of brokers who specialise in providing insurance for people with unspent convictions. There may be other insurers which are able to provide some cover for people with some unspent criminal convictions but you should take extra care when seeking insurance from an insurer who does not ask questions about criminal convictions. You should ask for written proof that shows you have disclosed your conviction, or that they do not need to know about certain convictions, as this can be produced in the event that the insurance company try to avoid a future claim.
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This information is intended to be taken as "INFORMATION
ONLY" and is not intended to be construed as advice, as defined by the Financial
Services Authority.