The ability to search thousands of quotes and buy online makes finding an insurance policy simple. However, throw a criminal conviction into the mix and you may find your options suddenly seem a lot more limited. In fact this is not necessarily the case, but you may need to look elsewhere, which is where an insurance broker can come in.
What is a criminal conviction?
A criminal conviction refers to all types of offences, from serious crimes which have incurred a prison sentence, to littering. Cautions, reprimands and final warnings are not classed as convictions.
When do I need to declare it?
Under the Rehabilitation of Offenders Act 1974, you only need to declare unspent convictions when purchasing insurance, even if you’re asked to disclose previous spent convictions.
If you have an unspent criminal conviction, you only need to disclose this when asked. Otherwise, check your policy to see if there is any mention of convictions.
Any convictions received during your policy don’t need to be disclosed until renewal, unless your policy states otherwise.
What happens if I don’t declare it?
Keeping unspent convictions from your insurance provider when asked could invalidate your insurance policy.
If this is a result of unclear information on the insurers’ part you may be able to dispute this decision.
How to secure insurance with a criminal conviction
Declaring a criminal conviction doesn’t mean that you’ll be refused insurance. If you’re concerned, speak to an insurance broker. They’ll likely know which providers are more likely to offer you an insurance policy, and can offer free quotes as well as advice around your insurance.
Speak to Safeguard Insurance for more information.