Convicted Home Insurance

Get A Quote

People with criminal convictions tend to face higher home insurance costs than home owners with a clean record. Some people may even struggle to get covered. This is because they can be seen as a higher risk.

However, our panel of insurers specialise in putting insurance policies together for people with convictions. We can help whatever your convictions may be. As a result, we can help your premium be competitive against the standard market.

Our advisers will be able to help and find criminal convicted home insurance for you. Criminal convicted home insurance can be expensive, but Alternative have schemes that will help to save you money.

Cover Details

____

Covers a wide range of convictions

Fire, explosion, earthquake or lightening

Theft and damage cover

Storm, flood or weight of snow

What We Offer

____

Instant cover available over the phone

Wide panel of specialist insurers 

Knowledgeable staff on hand

Flexible payment options available

Convicted Home Insurance FAQs

Why is home insurance more expensive if you have a criminal record?

Having a criminal conviction will often push up the price of your criminal convicted home insurance premiums. Most insurers will ask about any “unspent” criminal convictions you have had in the last five years. So, any convictions are likely to have an impact on your criminal convicted home insurance costs for this period. This is because as someone with a conviction you are seen statistically to be a higher risk.

Impact

Some convictions will have more of an impact than others on your criminal convicted home insurance. For example, you are more likely to be a risk to insurers if you have previously been convicted for insurance fraud or theft.

Do I always have to declare criminal convictions to my insurer?

Most types of conviction will be considered “spent” after some time has passed. The rehabilitation of offenders act lays down clear guidelines. It states when convictions are considered “spent”. But, if you are in doubt please speak to us and we can check with the insurer for you. We are here to help you with any queries you may have.

You will be asked to declare any unspent convictions on your criminal convicted home insurance applications for five years. After this time, or if your convictions are already spent, you will not have to tell your insurer. You are not under any obligation to declare your convictions if an insurer does not ask during the application process or in the terms and conditions of the policy.

Full disclosure is the best way forward and not withholding any convictions when asked. In the event of a claim your insurance could be deemed invalid if you fail to do so. This means you could face a big bill and will also make it even harder to get insurance cover in the future if you have had a policy voided.

How do I save money on home insurance if I have criminal convictions?

You may find that insurers will hike your insurance premium in light of your conviction, or even refuse to insure you altogether. However, there are some specialist providers that keep insurance more affordable for home owners with convictions. The best way to get an affordable quote is to let Alternative search the market for you. We still speak to underwriters and explain each case and the circumstances behind the conviction.

Get A Quote

Recent Articles

When do I need unoccupied insurance?

When do I need unoccupied insurance?Unless you need it, unoccupied insurance is not something you may know a lot about. So what is it and when do you need it? We explain all you need to know.   What is unoccupied home insurance? Unoccupied property insurance can...

Why do I Need Impounded Car Insurance?

Why Do I Need Impounded Car Insurance?   When you insure your car, you might think that you don’t need to do anything else. The vast majority of the time, this is true. However, if your car is seized by the police, and put into a car impound, the situation...

Are thatched roofs expensive to insure?

Are Thatch Roofs Expensive to Insure?Living in a thatch property Thatched properties are homes filled with character and often found in picturesque rural villages. But are thatched roofs expensive to insure? Aside from the beautiful aesthetics, there are other...

Unoccupied Property Insurance Guide

What is Unoccupied Property Insurance? Unoccupied Property Insurance is a specialised home insurance policy that focuses on unoccupied buildings. Our policies cover properties that will be empty for 30 days or more. Empty properties have particular requirements, which...

Surety Bonds Guide

What is a Surety Bond? A Surety Bond is a form of guarantee. They make a guarantee between three parties. These are: The Obligee, The Principal and The Surety. The Obligee is the person who will be paid if there is a default. The Principal is the person who takes out...

How Can We Help?

How Can We Help?