Providing competitive ex offender home insurance

Convictions & Criminal Records are a specialist home insurance risk we can quote for. Our quote system can offer home insurance cover for many types of criminal record.

  • Cover for ex-offenders with a variety of unspent convictions
  • Cover for multiple unspent convictions
  • Wide acceptance of conviction types
  • Confidential handling of your quote
  • 100% quote online & buy
  • Competitive premiums designed for ex-offenders
  • Outstanding customer service with an average call answer time of under 1 minute
 Please note we are unable to offer cover for certain convictions such as insurance fraud and offences relating to minors

ex offender home insuranceYour privacy

We understand that previous convictions can be a difficult subject to talk about. With that in mind, we have made sure that your policy can be handled completely online. This is from quote all the way through to purchase. We also only ask the questions that are relevant to your home insurance quote.

Ex-offenders buildings and contents insurance

Whilst we cover a number of convictions, there are a number of factors which can affect the price offered. We keep the questions we ask to a minimum to maintain your privacy. To help get your quote we will be asking for information on the following;


Criminal record what you need to quote for ex offender home insurance


  • What was the conviction for?
  • Who received the conviction?
  • What was the date of conviction?
  • What sentence was given?

Cautions, reprimands and final warnings don’t need to be recorded as they’re not classed as criminal convictions.

What impact might my criminal record have on my home insurance policy?

It can be more difficult to get insurance if you have a criminal record. In addition, if you do manage to get cover this is often for a high price. This can be tricky for the average family to afford. Our aim is to provide insurance that offers competitive premiums to all.


ex offender home insurance apply online for a quote


Do you have to declare spent convictions?

You do not need to disclose convictions that are spent under the Rehabilitation of Offenders Act 1974. The only exception to this is if the offence led to a prison term of over four years. In this case, it will still need to be noted.  The time after which your conviction is spent varies. The length of the sentence and your age when the crime was committed (as an adult or as a minor) can both affect this.

The Money Advice Service has a guide to getting insurance with criminal convictions, learn more here.

What happens if convictions are not disclosed?

The questions insurers ask help them understand the risk of the person and property they are being asked to insure. As a result, if these risks are not properly listed it can lead to the insurer inaccurately quoting. If you make a claim insurers will often check the details at this point. This can be a problem if you have not been honest on the initial quote.

Withholding information

Withholding information when quoting for any insurance can lead to issues further down the line. Non-disclosure of a previous conviction could lead to a claim you make being turned down. Worse still, your policy could be voided. This means the insurance would, therefore, count as never having existed. As a result, you would not receive any money for a claim that you had made.

Do you need to know if a family member, within the house, has a conviction?

Your insurer agrees to cover the risk for you and anybody that usually lives in your property. Therefore previous convictions of anyone who normall lives at the address will need to be noted on your quote. This may be a sensitive subject because 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 here.

ex offender home insurance declined by other companies


Does being an ex-offender affect home insurance?

There are a number of ways that convictions can affect whether you are offered home insurance, such as:

  1. The moral factor The fact that the person applying has a criminal record will lead many insurers to think about that person’s moral standing. Therefore, they need to decide if it is someone they want to be linked to.
  2. Other factors 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.
  3. Refused and declines You may have reached our site as a result of 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 refused to offer cover at all. You may also have experienced a refusal at renewal if the conviction has occurred within your last policy term.