Unspent Criminal Conviction Home Insurance
Get great value Unspent Criminal Conviction Home Insurance with Fresh-Start
2 Options available including:
Personal Legal Expenses Insurance, Home Emergency Cover...see all
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Unspent Criminal Conviction Home Insurance
Unspent Criminal Conviction Home Insurance
Finding suitable Home Insurance when you have an unspent criminal conviction is not easy. Most Standard Home Insurance policies will refuse to cover you, or your current policy will become invalid. At Fresh-Start, we understand the difficulty ex-offenders face, which is why we provide, a quick and easy solution to provide you with Home Insurance.
Fresh-Start’s Specialist Home Insurance is there to protect you against loss from or damages to your home, accidental damage, theft, or attempted theft and more. Finding appropriate Property Insurance that provides adequate cover should not be beyond anyone’s reach so if you are struggling to find cover, request a quote today with Fresh-Start Home Insurance by clicking the button below!
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If you would like some assistance when completing your application form do not hesitate to call our Fresh-Start Home Insurance specialists on 01483 806 900.
What is an Unspent Conviction?
Unspent Criminal Convictions are ones where you are still deemed to be in your rehabilitation period following your conviction. Unspent convictions will show up on any criminal record checks be it a standard or enhanced check.
All unspent convictions need to be disclosed and only once a conviction is considered spent do you no longer need disclose it. Please note: some convictions can never be considered as spent. For more information about this, please visit our FAQS.
At Fresh-Start, we specialise in providing Home Insurance for those with criminal convictions and as such, may be able to provide a policy that’s right for you.
To request a Home Insurance for Unspent Criminal Conviction quote from Fresh-Start, click the button below today.
Click Here to Request a Quote >>>
If you would like some assistance when completing your application form do not hesitate to call our Fresh Start-Home Insurance specialists on 01483 806 900.
Why Choose Fresh-Start Insurance?
Fresh-Start specialise in providing Home Insurance to people with unspent criminal convictions. We offer a fast, professional, and discreet service to all our clients.
- Loss or damage caused by fire, lightning, explosion, or earthquake.
- Loss or damage caused by aircraft, other flying device, or items dropped from them.
- Loss or damage caused by a storm, flood, or weight of snow.
- Loss or damage caused by the escape of water or escape of oil.
- Cover for Theft or Attempted Theft
- Loss or damage caused by subsidence, heave, or landslip.
- Accidental Damage cover available.
- Cover for loss of rent as a landlord available.
- Compulsory excess starting from £100
- Buildings Cover, Contents Cover, and Buildings and Contents policies available
- And so much more…
More Fresh-Start Details
Here at Fresh-Start we have been providing non-standard Home Insurance to homeowners with unspent convictions for over 10 years. Our Home Insurance covers a range of areas from buildings cover, to contents cover, buildings and contents cover, as well as optional areas such as legal expenses, money and credit card cover, pedal cycle cover, domestic freezer cover, and valuable and personal possessions.
We know all to well how difficult it can be for ex-offenders to get Home Insurance that is suitable for them, which is why we offer a range of policies specifically designed for your needs. Whether you are a homeowner or a landlord, it is important to have a policy in place to help cover the costs of something going wrong in your property.
It is important to know that whether it is you or another person within your household who has an unspent criminal conviction, this will need to be declared to your insurer as most standard policies will become invalid as a result of this. Once it becomes a spent conviction, insurance companies providing standard policies would be able to provide cover once again.
Under the Rehabilitation of Offenders Act 1974, most convictions can be considered spent after a certain about of time. You can learn more about the time frames relating to your own situation here: Frequently Asked Questions.
At Fresh-Start we can provide cover for people with spent and unspent convictions as well as providing cover for standard and non-standard properties. Whether you are after buildings insurance, contents cover, or a buildings and contents policy, click the link below to get a Fresh-Start Home Insurance quote today.
Criminal Convictions and Home Insurance Fact Sheet
1. How Does Having a Conviction Affect My Insurance
If you have a criminal conviction, your current home insurance is likely to be invalidated, unless the insurers are aware of it and have agreed cover. If you don’t have prior approval and need to make a claim on your insurance policy, you may be declined, potentially leaving you out-of-pocket.
2. If I’m living with others, do they need to disclose my conviction to their insurer?
Yes. The unspent criminal convictions of anyone in a household can also affect the home and contents insurance policy, even if the homeowner doesn’t have a conviction themselves.
3. Why do I need to disclose unspent convictions?
When applying for insurance or renewing your policy, you will be asked if you have any unspent criminal convictions. Failure to tell your insurance company about unspent convictions can invalidate your insurance policy.
4. What is the difference between spent and unspent convictions?
A spent criminal conviction means the rehabilitation period has been completed. Convictions resulting in a prison sentence of over 4 years are never spent. As a result, they must always be disclosed.
Under the Rehabilitation of Offenders Act, most convictions can be considered spent after a certain about of time. You can learn more about the time frames relating to your own situation here: Frequently Asked Questions.
5. Do I need to disclose spent convictions?
No. A conviction is spent once the rehabilitation period has been completed. For more information, go to: Frequently Asked Questions.
6. Does an unspent conviction, mean I will be turned down by all insurers?
No. Specialists such as Fresh Start Insurance Services can usually provide home and contents coverage that will meet your needs.
7. What will happen if I don’t disclose an unspent conviction?
Your existing insurance is likely to be invalidated. If you need to make a claim on your policy you may be turned down, even though you have paid your insurance premiums.
8. Will a criminal conviction make my insurance more expensive?
This will depend on the kind of policy you are seeking. Generally, yes, however, obtaining insurance through a specialist service helps you avoid paying more than necessary.
9. Do I need to know the rebuild costs of my property?
It is always sensible to know the rebuild costs for your property and in order to take out a Fresh Start policy, you will need to provide this information.
Unspent Criminal Conviction Home Insurance Policy Options
Personal Legal Expenses Insurance
Add up to £50,000 of Personal Legal Expenses Insurance to your Fresh Start policy for additional peace of mind should the unexpected happen. Benefit from cover for areas such as Domestic Property Protection, Legal Defence, and more
Home Emergency Cover
Get protection in place to cover the costs of Emergency Repairs to your property with Home Emergency Cover.