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. However it is still possible to get insurance that covers people with unspent convictions.
Find out more about Insurance and Convictions 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 more about the Rehabilitation of Offenders Act 1974 on the Home Office 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