Insurance for people with unspent convictions
You need insurance to ride a motorbike or drive a car. You may
also wish to cover the contents of your home to protect against the
worst happening. However, if you or someone living in your home has
unspent convictions, many insurance companies will not cover
you.
If you fail to declare that some with an unspent conviction resides
in your home, your insurance will be invalid and any claim will be
refused.
Find out more
here.
It is still possible to get insurance that covers people with
unspent convictions.
Find out more about
this on the Unlock website.
You can also get a list of insurance companies who will insure
people with unspent convictions here.
What is an unspent conviction?
This Rehabilitation of Offenders Act tells you whether you have
to declare a conviction when applying for insurance.
All sentences have ‘rehabilitation periods’ which start from the
date of conviction.
The conviction will only be spent when this period has
finished.
If the offender was under 18 when convicted, the period is
halved.
|
Sentence
|
Rehabilitation Period (Offender aged
18+)
|
|
Prison/ YOI: 30 months or more
Prison/ YOI: 6 months- 30 months
Prison/ YOI: Less than 6 months
Community Service/ Probation
Fine/ Compensation Order
Absolute Discharge
|
Forever
10 years
7 years
5 years
5 years
6 months
|
This table is only a guide.
You can find
out about unspent convictions on the Nacro website.
For more information on insurance products for people with
convictions, contact UNLOCK.
Website: www.unlock.org.uk
Email: enquiries@unlock.org.uk
Telephone: 01634 247350
Fax: 01634 247351
Address: 35A High Street, Snodland, Kent, ME6 5AG