Household & public Liability Insurance for Ex-Offenders

Household insurance buildings and contents insurance and public liability insurance for clients with criminal convictions and ex offenders

Important. You should read this before proceeding. TWO QUOTES ARE BETTER THAN ONE.

That’s why we offer you two options. For higher risk insurance in particular we strongly recommend that in addition to clicking the online link below, you also complete and submit the call-back form lower down this page. This way you will receive top quality  advice and quotes from two independent specialists enabling you to compare cover and costs before you decide.

Insurance Choice is your specialist insurance broker for everything non-standard. We can find you cover for the most extreme risks at the most competitive prices.
Get A Quote
On-line quotations For Ex-Offenders Public and Employers Liability Insurance,please complete the online enquiry form below and one of our specialists will contact you to discuss your needs.

We have worked in conjunction with UK insurers for many years to provide specialist insurance’s for UK consumers. As a result of this and in combination with many of the UK’s major insurance providers we are now able to give you access to House Insurance suitable for properties subject to a higher than normal risk of flooding, properties that have experienced subsidence and House and public liability insurance for ex offenders.

Our highly experienced specialists have appeared on BBC Television providing advice on such problems.

We recommend that you complete the ring back request form below and we will endeavour to contact you within one hour. Please leave details if possible enabling us to contact you during office hours (Monday to Friday 9am to 5pm).

Title

Name

Email

Postcode

If Property is outside of the UK, please give Country

Home Phone Number

Mobile Phone Number

Date of Birth (dd/mm/yyyy)

Buildings Sum Insured (Rebuild Cost)

Contents Sum Insured (£)

Number of Bedrooms

Type of Property

Details of your insurance circumstance i.e. flood risk, subsidence etc

Current Insurer

Current Premium (£)

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When you send this form one of our consultants will contact you to discuss your options.

Culpeck Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Registered office: Vinpenta House, 4 High Causeway, Whittlesey, Peterborough. PE7 1AE. The Financial Conduct Authority’s Register can be accessed through  www.fca.org.uk/register or by telephoning the FCA Consumer Helpline on 0800 111 6768

Ex-Offenders Insurance Policies

Insurance with a criminal conviction

A major problem faced by around eight million UK residents is how to obtain household insurance if you have a criminal conviction.

For ex-offenders trying to start or run a business they will also find difficulties obtaining public or employers liability insurance. They can also find it difficult to obtain insurance with only a police caution. Unspent criminal conviction can provide a huge barrier in reinitiating back into society

With Insurance bought via the internet or at call centers it is not always clear that ex-offenders have to disclose material facts at the start of a policy and a criminal conviction is a material fact. That is why it is important to use an insurer who is a specialist in ex offenders insurance.

Ex offender organisations are increasingly concerned that ex-offenders are refused cover or given a poor service from mainstream insurers and usually suggest that they should contact an insurance broker that specializes in ex-offenders and criminal convictions. 

Q What usually are the main problems faced by ex offenders looking for insurance?

The first is that you should disclose your criminal convictions even if the question isn’t asked. Non disclosure will invalidate the policy. Also watch out for the line asking not only do you but also does any member of the family living with you have unspent criminal conviction

Q Why do ex-offenders face problems and difficulties with insurance?

Insurers often consider that someone with a conviction is a bad risk, although it is a view point that has never been proved. It’s just an unwritten rule. 

Q What help is their for ex offenders to reduce their insurance premium?

Disclosing convictions to a specialist ex-offender insurance broker should not cause a problem. This should not always mean increased insurance premiums and it does mean you are insured. 

Solution

If you are looking for house insurance with a criminal conviction contact a specialist in ex offenders insurance and always disclose your convictions

Testimonials

Can you imagine just out of prison and being unable to find a job, so you decide to go self employed but then when you need public liability insurance and when you apply you are turned down because the company does not provide public liability insurance for ex offenders.

Well I rang who knows many places and searched all over the internet and at last I was fortunate enough to find your company.

I knew straight away you knew what you were talking about you have been so helpful and understanding of the situation.

The premium is not too bad either. Not much more that the online ones that wouldn’t cover me.