“Fairplay” Home Insurance – For those with criminal convictions. “I have a conviction”
Bureau appreciates that obtaining Household Insurance for people with criminal convictions can be extremely difficult. Usually, when ex-offenders declare a criminal conviction, they are routinely refused insurance. Bureau takes a different approach! We treat each case sympathetically and individually, this means we are able to cover 90% of applicants.
Get Covered Today.
Our dedicated team are always on hand to deal with any requests. Either contact us direct on 01424 220110 to speak to one of our operators or download our quote request form here and email or fax it to us.
Some Simple Facts:-
Why am I asked about convictions?
Most insurance companies ask about criminal convictions because they believe it is relevant to the risk. Although this often seems unfair, they are, unfortunately, entitled to ask. If asked, you need to answer this question honestly and accurately. The questions will normally include the convictions of everyone covered by the policy, such as children or a partner. If you are not asked, you do not need to disclose.
When do I need to disclose?
You will need to disclose unspent convictions when you take out the policy (but only if you’re asked). You do not have to disclose any convictions you get during a policy until renewal, unless there is an explicit condition in your policy.
What could happen when I disclose an unspent conviction?
Some insurers may refuse to offer you insurance, want to charge you more, or impose special terms. If you already have a policy, your insurer may cancel it and might refuse to pay any new claims and seek to get back the money from any previous claims. Alternatively, they may agree to continue your insurance up until renewal, increase your premium or impose special terms.
What could happen if I do not declare an unspent conviction when asked?
If you are taking out new insurance, or already have a policy, it is quite possible that nothing will happen. However, you may be acting illegally and if your insurer does find out, your insurance could be cancelled or your premium increased. If you have not disclosed, you are not really protected by your insurance.
How might convictions affect making a claim?
If you disclosed everything that you were asked about when you took out the policy, there should be no problem. If you didn’t, your insurance company may ‘avoid’ the policy. This means that they will treat it as if it never existed and will not pay out on your claim. This may leave you unable to replace what you have insured, such as your house, car or business.
What if my insurer refuses to pay a claim?
In some circumstances, you may be able to challenge an insurer who is avoiding your policy. If your insurer cannot settle your complaint, you can go to the Financial Ombudsman Service(FOS). The FOS deal with complaints in a way that takes account of both the law and industry good practice. They will consider whether the insurer asked clear questions, whether their decision was influenced and whether you failed to disclose recklessly, deliberately, inadvertently or innocently.
- You only have to disclose convictions if you are asked
- If you’re not asked directly, make sure you check any assumptions and terms/conditions of cover
- If asked, you DO NOT have to disclose any convictions that are spent under the ROA
- If asked, make sure you get written confirmation of what you’ve disclosed
Rehabilitation of Offenders Act
Once a conviction is ‘spent’ under the Rehabilitation of Offenders Act 1974 (ROA), it never has to be disclosed to insurers. This is the case no matter what question an insurer asks you. Rehabilitation of Offenders Act – Nacro