Finding home insurance with a criminal conviction can be challenging, but there are options available to you.
When you get a quote with us, you'll need to give us information about your conviction. This helps us compare the best cover available to you.
Yes, you should be able to buy home insurance with a criminal conviction. It's likely to be more expensive and you may have to take out a policy with a specialist provider.
This is because insurance companies consider you a higher risk regardless of the nature of your conviction.
Generally, the range of quotes we can provide you with can depend on a few factors:
Depending on your situation, some insurers might not offer you a quote. If you have an unspent or serious conviction, we recommend you visit Unlock for a list of specialist brokers and insurers, or contact the British Insurance Brokers’ Association (BIBA) for more help and advice.
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1Correct as of October 2024
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There are many ways to reduce the cost of your home insurance with a criminal conviction:
If you need building and contents insurance, combining them could work out cheaper than buying standalone policies.
Insurers will charge interest if you opt to pay monthly. If you can afford to do so, paying annually will work out cheaper.
Check with your insurer your policy doesn't auto renew when it expires. It's always worth shopping around first to try and find a better deal.
Protecting your home with features such as burglar alarms, security cameras and installing secure locks can bring down the cost of your policy.
Only pay for the features you need in your policy. You could be paying for unnecessary extras you don't need, making your policy more expensive than it needs to be. You can use tools like our contents calculator to get a rough estimate of the value of your possessions.
‘’Over 12 million people in the UK have a criminal record, so most insurers will still offer cover for people with spent records. When you get a quote, make sure the details of your record are accurate, and we’ll show you quotes from up to 81 home insurance companies to compare.
You might find it harder if your record is unspent, or you have a pending conviction. In this case looking online for a specialist insurer or broker might be the best option.’’
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