The majority of household insurers do not wish to offer buildings and contents insurance to people who have criminal convictions. You may also struggle to find household insurance if your partner, a family member, or anyone who lives with you has a criminal conviction.
We do however have some home insurers who will consider your application, if “criminal conviction” is the reason why you’ve had your insurance declined, refused or cancelled.
We work with specialist home insurers to find an insurance policy for you.
What we need to know
Our specialists will need to know details of your criminal conviction, and so it is helpful if you are able to have this information to hand.
In particular they will want to know details about the:
date of conviction
full details of the conviction
sentence / community service, or the amount of any fine
time served (if applicable)
Our home insurance specialists will then use their expertise to hopefully find you some buildings and contents insurance.
Whilst you may have to pay more for your buildings insurance than you did before, because of the specialist nature of your case, at least you’ll have the peace of mind of knowing you are insured.
Also, if you have a mortgage on your property, it is a condition of your mortgage that your home is properly insured. Your mortgage lender will want to ensure that you have a sufficient level of buildings insurance cover.
