Question about Home insurance and someone living in house with a conviction

notts_phil

Ive been asked to ask this question

Someone is getting a quote with an insurance company, they live with someone who has a conviction,

On the insurance questioner it asks " is the person to be insured have any convictions"

Now does that just apply to the policy holder or anyone in the house

My initial thoughts were that it would just be the policy holder that question applies to, but ive been asked to double check

anniecave

When you say home insurance, do you mean buildings or contents or both?

The answer to your question will depend on whether you are wanting insurance cover for the person with the conviction or not.

If it asks about the policy holder, then you answer about the policy holder, yes/no
If it asks about residents at the property, then you would need to answer yes/no as appropriate to that question anyway

If you are getting contents insurance for more than one person in the house, then it may ask about the people whose contents are being insured, so if so you need to answer yes or no depending on whether the person who has the conviction is to be covered under policy or not!

notts_phil

It's both

And just insurance for the policy holder. The statement definayely said for those to be insured. Not who else who Is living at the property.

anniecave

Well if it just asks about those to be insured, and the person or people being insured don't have convictions, then the answer is "no".

Double check that the policy terms and conditions don't also include a clause about residents that have convictions. It's the sort of thing that might be an "assumption", and you want to make sure they haven't assumed anything that's incorrect.

Hope that helps...

notts_phil

Thanks ill pass it on.

*Scarlett

I would be very careful on this.

If it's buildings and contents insurance that is required, surely the person with the conviction who is living there has some belongings and therefore some insureable interest.

Normally the insurer will apply any questions to all permanent residents of the property.

I would discuss the situation with the insurer to avoid any problems as you are obliged to disclose any information that may affect the policy.

The are providers who will quote for people with convictions.

Maybe try http://www.homeprotect.co.uk/home-insurance/criminal-convictions-insurance.aspx

[Deleted User]

Can I echo the importance of reading the small print very carefully. I knew someone who had a claim rejected on their house insurance because their son had a criminal conviction (gbh or something) which hadn't been declared and he lived in the house. The conviction had actually happened AFTER the policy was taken out but the victim was told they should have informed the insurance company.
I checked the small print in mine after this and it was there - you have to inform them if anyone in your household gets a conviction whatever its for

notts_phil

How did they find out about the conviction?

[Deleted User]

I think it came up as part of the investigation following the claim being submitted. They weren't deliberately with-holding the conviction, just didn't realise it was something that had to be notified so when asked, they disclosed.
Have you ever made a claim on house insurance following a break-in/theft? I had to make my first claim ever last year after a break in and I was made to feel like a criminal myself with all the questioning and months of phone calls before it was settled. They even asked me in the initial assessment phone call 'why do you think your house was targetted as opposed to one of your neighbours?'!!!!!!!!!!