The criminal costs of buying ex-offenders insurance

Purchasing insurance is difficult for lay people as there is a lot of legal jargon used and failure to decalre convictions will result in your policy being voided and therefore you are liable for all monetary issues of the claim - effectively your policy is worthless.

Given the high price that Criminal Insurance comes with, it is vital to ensure your policy is correct and will be valid should it ever be called upon. Around 1 in 5 of the UK population have a criminal conviction, many are for minor incidents perhaps due to a drunken night out (public indecency offences), failure to pay fines (for littering as an example) and a number for driving convitions.

It's important to remember that if an offence is delt through a Fixed Penalty Notice (FPN) then its not classified as a conviction - but if a court issues a fine, community service order or a prison sentence then this is classified as a conviction and it is vital to declare these to your insurance providers.

While it can be difficult for ex offenders to find suitable and affordable insurance, you should also bear in mind the impact to your friends or family. If you've left prison and are living with family members or friends, it is important that they declare this to their insurance companies as this will affect their policy, most likely to the point of it being voided.

As you can see, buying insurance or even keeping your current policy active can be a difficult business when you are an ex offender, or have an ex offender in your home - SIS are specialists in finding insurance cover for ex offenders and we can provide support and advice for those who need cover, either for themself or for their family.

The criminal costs of buying ex-offenders insurance

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