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.
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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.
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?
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.