All insurers have an objective of Treating Customers Fairly (TCF) and where possible offer home insurance cover to consumers with unspent convictions, although most mainstream insurers may decide not to cover people who do not fit their underwriting criteria.
Different insurance partners have different underwriting criteria based on many different factors which will determine whether then can provide cover for particular risks. Some may place greater weighting based on the severity or nature of the offence if they feel it represents a greater risk. Therefore there is no guarantee that people with all conviction types will be able to get a quote.
In some cases people may have to telephone one of our partners in order to confirm the terms of any policy before they can complete the purchase. Our aim though is to help as many people as possible find affordable cover that’s right for them.
Under the Rehabilitation of Offenders Act 1974 (ROA) convictions which are ‘spent’ do not have to be declared to an insurer. Failure to disclose all material facts including an unspent conviction when asked for either at application, renewal or when claiming could invalidate the insurance policy.
Whether a conviction becomes spent is defined by the ‘rehabilitation periods’ set out in the ROA. Convictions resulting in a prison sentence greater than 30 months can never become spent and must always be disclosed. Cautions, reprimands and final warnings become unspent immediately.
|Sentence||Rehabilitation period for over 18 year old before conviction becomes spent|
|Prison sentence greater than 30 months||Forever|
|Prison sentence 6 to 30 months||10 years|
|Prison sentence less than 6 months||7 years|
|Community order/probation||5 years|
|Absolute discharge||6 months|
|Conditional caution||3 months|
|Simple caution, reprimands and final warnings||Immediately|
More information can be found at UNLOCK: The National Association of Reformed Offenders by visiting www.unlock.org.uk