CoverBuilder specialises in quotes and policies for those who find it hard to get competitive cover due to a criminal record. Many ‘standard’ home insurers either refuse or considerably increase their premiums for those who have a criminal record. CoverBuilder works with a panel of underwriters who provide us with policies to cover a wide variety of convictions, number of convictions, sentence types and sentence lengths. We are one of the leading competitive providers of this type of policy.
We maintain your privacy
We understand that discussing a criminal record can be a difficult subject to talk about, so with that in mind, we have designed our website to be able to quote for as many types of convictions as we can online, and without the need for lengthy, intrusive phone calls. We only ask the questions that are relevant to us being able to provide you with a quote.
Why quote with us?
- Cover for people with a wide variety of unspent convictions
- Ability to offer competitive cover for people with multiple unspent convictions
- Many situations considered
- Confidential and sensitive approach and full online quote and buy feature
- Policy documents accessible instantly online via the ‘My Account’ area
- Competitive premiums for those with a criminal record
- Outstanding customer service support with calls answered on average in under 1 minute
Whilst we cover a number of criminal record scenarios, there are various factors to consider to make sure you get the most competitive premium. We keep the questions we ask to a minimum to maintain your privacy and make getting home insurance with a criminal record more straightforward.
Quote for buildings with or without contents
No matter what level of cover you are looking for, whether it is cover for your building only or you required full buildings and contents, you can quote with CoverBuilder. To make your application as simple as possible, it would be beneficial to gather the following information as we will be asking for this during the quote;
- What was the cause of the criminal record?
- Who on the policy has a criminal record?
- What are the dates of the criminal record?
- What sentence was given?
Cautions, reprimands and final warnings don’t need to be recorded as they’re not classed as criminal convictions.
What conviction types do we quote for online?
Whilst there are a large number of conviction types, our aim is to offer insurance fully online for as many as we can. This further enhances the privacy of your application with CoverBuilder. We work with a panel of UK underwriters who specialise in providing cover for customers with a criminal record. There are also other factors we take into consideration such as sentence type and length which impact our ability to quote online.
Generally, we can offer online insurance quotes for convictions such as;
- Actual bodily harm (ABH)/Grievous bodily harm (GBH)
- Criminal damage
- Handling stolen goods
- Obstructing a police officer
- Wounding with intent
- And more…
What impact might my criminal record have on my home insurance policy?
There are multiple reasons and scenarios that an insurer will consider when quoting for a customer with a criminal record. Often regardless of the conviction type, that person will be deemed as a higher risk.
The moral factor
The fact that the person applying has a criminal record will lead many general insurers to think about that person’s moral standing. This for them draws into the equation honesty and dependability when quoting.
A person with a criminal record could also be higher risk due to future repercussions/revenge incidents. This puts the property in a higher perceived level of danger.
Refused and declines
You may have reached our site after searching for a company that can cover criminal convictions. Many companies will look to avoid such a scenario and will either increase their premiums with a highly inflated price to become uncompetitive or refuse to offer cover at all. You may also have experienced a refusal at renewal if the conviction has occurred within your last policy term.
Do you have to declare spent convictions?
You do not need to disclose convictions that are considered spent under the Rehabilitation of Offenders Act 1974. The only exception to this is if the offence resulted in a prison term of over four years, in which case this will still need to be noted. The period after which your conviction is considered spent varies depending on the length of the sentence and your age when the crime was committed (as an adult or as a minor). Cautions, reprimands and final warnings are not criminal convictions and will therefore not need to be communicated to your insurer.
The Money Advice Service has an impartial guide to getting insurance with criminal convictions, learn more here.
What are the consequences if the criminal record is not disclosed?
A common question when it comes to obtaining insurance is ‘do insurance companies check criminal records?’ The questions insurers ask are essential to understanding the risk of the person and property that they are being asked to insure. As such, if there is a misrepresentation of these risks it can lead to an inaccurate quote. The danger is that at a point of you needing to claim, insurers will often verify the details you provided as part of their claim handling process.
Withholding information could lead to a refused claim
Purposely withholding information when quoting for any financial product can lead to issues further down the line. Non-disclosure of a previous conviction could result in a claim you make being turned down or worse your policy voided. This would leave a person without any payment to rectify the incident.
Where can you turn?
If you were turned down for a claim or you were not happy with your provider’s actions when dealing with the claim, you can look to the Financial Obudsman Service (FOS). The FOS is an unbiased organisation that can independently review your situation with a regulated financial company and where required, can overule their decision and order corrective actions and compensation (where necessary).
A family member that I live with has a criminal record – do you need to know about it?
When taking out a home insurance policy the insurer is agreeing to cover the risk for you and anybody that usually resides within the property with you. Therefore previous convictions belonging to any permanent occupants of the address will need to be declared on your quote. This may be a sensitive subject as people within the property may not want to go over their criminal record details. Rest assured that at CoverBuilder your confidential details remain just that. More information can be found on disclosure of convictions
More information can be found on disclosure of convictions here.