The insurance industry consider unspent criminal convictions as material facts and the must be declared whether you are asked to declare the information or not. The problem is that as soon as you declare a criminal convictions most insurers have no interest in offering cover. It is also worth pointing out that if you are applying for home insurance you must declare the criminal convictions of anyone living in the property.

When searching for insurance it is likely that you have experienced rejection after rejection. However, there are providers that offer the bespoke approach required to offer insurance to you, and look at your circumstances now rather than dwelling on your past. They offer cover for a wide range of insurances such as home, motor, travel and business insurances.

If you have unspent criminal convictions you are required to declare them when applying for insurance, and as a sentence of 30 months or more is never considered spent this can affect you for the rest of your life.

All sentences have ‘rehabilitation periods’ which start from when you were first convicted. Your conviction will only be spent when this period has finished. If under 18 when convicted, the period is halved.

The Sentence Period for someone 18 years old or over:-

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