Recently the BBC One documentary "Inside out" highlighted how millions of people may have useless insurance policies if someone in their home has a criminal conviction.
The series discusses the story of Micelle Barber who is being asked by her insurance company for almost a quarter of a million pounds due to a £120 fine she received for unknowingly giving the benefits agency incorrect information.
The programme also features Chris Bath of UNLOCK who talks about the charitys campaign on this issue.His observation is that 1 in 5 people in the UK has some sort of criminal convition, ranging from driving to public disorders and to make it worse it also covers those who live with you which is why it is vital to disclose and understand any issues that may go against you as such a minor element of the application process can have such a major impact on your life.