Home Insurance with a Criminal Conviction

You can choose to add a voluntary excess from £50 to £450. It could be that increased excesses are applied to your policy dependent on the risk presented. For more information speak to one of our sales advisers on 0344 892 1750.

This depends on your circumstances and the type of property you want to insure. The quickest way to find out is to speak to one of our advisors on 0344 892 1750.

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made).

If you cancel after period, the refund will differ and a fee will be charged.

If you need to cancel your cover you will be charged relevant administration costs for setting up the policy.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease.

Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0344 736 0088.

Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.

You can pay by credit card, debit card or monthly direct debit.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Yes, it’s still possible. Some mainstream insurers won’t offer cover to people with certain criminal convictions, especially if the conviction is recent or unspent. This can make it harder to find a policy through comparison sites or high street insurers.

But having a conviction doesn’t automatically mean you’ll be refused home insurance. It depends on your individual circumstances, like the type of offence, how long ago it happened and whether it’s now considered “spent” under the law.

Everywhen is a specialist insurance broker. That means we work with a panel of insurers, including those who consider applications that others might turn away. We can help arrange home insurance for people with criminal records, even in non-standard situations.

 If you’ve been turned down before, speak to our specialist team and we may be able to get you the cover you need.

Finding home insurance when you have a criminal conviction isn’t always straightforward. Some providers may refuse cover, increase premiums or limit your options. At Everywhen, we take a different approach.

As a specialist broker, we work with insurers who assess each case individually. That means if you’re looking for home insurance with criminal convictions, we may be able to arrange cover even if you’ve been declined elsewhere. Our team will guide you through the process with care, confidentiality and practical support.

In insurance, a criminal conviction means any offence where you’ve been found guilty by a court. This can include a wide range of offences, from minor driving convictions to more serious crimes. Insurers usually make a distinction between spent and unspent convictions:

• Unspent convictions - These are recent or more serious convictions that must still be disclosed when asked.

• Spent convictions - These are older offences that no longer need to be declared in most cases, under the Rehabilitation of Offenders Act 1974.

If you’re not sure whether a conviction is spent, you can check using a disclosure calculator or contact a criminal records advice service.

In most cases, you must declare unspent criminal convictions when asked by an insurer. This applies whether you’re getting a new quote or renewing an existing policy.

Being honest about your record is important. If you fail to disclose a relevant conviction when asked, your policy could later be invalidated, meaning a claim might be rejected or your cover cancelled.

That said, having a conviction doesn’t automatically mean you’ll be refused insurance. Specialist brokers like Everywhen work with insurers who consider the full context, not just the fact of the conviction.

You usually don’t need to declare spent convictions, unless the insurer specifically asks for details of all convictions, spent or unspent. If you’re unsure, it’s best to ask.

Declaring a conviction might feel uncomfortable, but being upfront can save time, protect your policy and help you find the right cover.

Insurers assess risk based on factors like the type, date and number of convictions. More serious or recent offences may lead to higher premiums, policy exclusions or refusal of cover.

Some insurers avoid this risk entirely. But specialist brokers like Everywhen assess each case individually, not just the conviction alone. That means you might still be able to secure home insurance cover, depending on your circumstances.

If someone else in your household has a criminal conviction, it can affect your home insurance, especially if they live with you or are named on the policy. For example, insurers might ask about:

• Joint policyholders, like a partner or spouse.

• Family members living at the same address.

If you’re unsure whether to disclose someone else’s conviction, it’s best to ask. Being upfront helps avoid problems later if you need to make a claim.

• Case-by-case review – every application is considered individually.

• Optional legal cover – add protection for property-related legal disputes.

• Specialist support – a dedicated UK-based property team, available 5 days a week.

• Flexible payments – Choose to spread your payment into 10 monthly Direct Debit instalments.

As a broker, Everywhen works with insurers who aren’t on comparison sites. We understand non-standard situations and help match your needs to suitable policies.

You’ll get a confidential, supportive service, with no judgment. Every case is considered individually and we’ll guide you through the process. If others have turned you away, we may still be able to help.

If you’re eligible for a policy, you’ll have access to all our standard cover options.

Applying through a broker can make the process easier. Here’s how to get started: 

1. Gather your conviction details - This includes dates and outcomes

2. Be honest and accurate - Full disclosure helps avoid issues later

3. Speak to a specialist broker - Get in touch with Everywhen to begin

4. Compare your options - Different insurers assess risk differently

Early disclosure saves time and gives you the best chance of finding the right cover.

You usually only need to declare unspent convictions, unless the insurer specifically asks about all convictions. If in doubt, it’s safest to ask.

If you withhold a required disclosure, your policy could be invalid. That means claims might be rejected or cover cancelled. Always answer questions honestly and fully.

Some convictions are seen as higher risk, which can affect premiums.

Cover will depend on the type, timing and severity of the convictions. Some insurers might still offer cover, especially through a broker who understands your situation.

You can use an online disclosure calculator or contact a criminal record advice service for help. Remember: knowing the correct status is key to applying accurately.

This depends on how long the conviction remains unspent. Once it’s spent, most insurers will no longer consider it relevant, unless they ask for all past convictions regardless of status.