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Thread: House insurance

  1. #1
    Milton is offline Member
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    Default House insurance

    Today I visited my local branch of Santander to get a quote for house insurance.
    I only wanted buildings cover, not contents.
    The computer based questions asked me if I had ever been convicted of any criminal conviction.
    I answered "yes" and gave details of my drink driving conviction.
    This resulted in me being refused a quote.
    OK I am a convicted criminal so I deserve such things.
    However, I can't understand what connection there is between drink driving and house buildings insurance.
    When I was caught and convicted for drink driving I was driving a car, not a house.
    As far as I know houses don't have wheels or engines so can't be driven and therefore aren't subject to the
    Road Traffic Act.
    I own my house outright so I can manage without buildings insurance. However, a younger person with a mortgage
    must have buildings insurance to comply with the mortgage lenders terms and conditions.
    Seems that a drink driving conviction can cause mortage holders to loose their house despite not being in arrears with
    a morgage. This seems mad to me.
    Please can someone explain to me the legal connection between a drink driving conviction and house insurance.


  2. #2
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    I can explain that your 30 year old drink driving conviction is spent after 5 years and for insurance purposes is non discloseable. Why did you declare it on the application form?
    Here is what Unlock say about insurance, which includes home insurance:

    Rehabilitation of Offenders Act

    Summary

    This information has been updated in April 2013 to reflect changes in insurance disclosure law, to help you buy the right insurance and make sure you are treated fairly. It provides a quick summary of the issues for people with convictions and what you can do about them. It applies to ‘consumer’ insurance only. This includes home (buildings and contents) insurance, as well as personal motor insurance. For more information, and for details on commercial insurance, we also publish a detailed guide.

    Once a conviction is ‘spent’ under the Rehabilitation of Offenders Act 1974 (ROA), it never has to be disclosed to insurers. This is the case no matter what question an insurer asks you. Detailed guidance on the ROA is available here.

    http://hub.unlock.org.uk/knowledgeba...-simple-guide/

    Perhaps you should visit another branch of Santander and apply again........

  3. #3
    Milton is offline Member
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    Default Re: House insurance

    Being an honest person I answered the question honestly.
    The question asked if I have ever been convicted of any criminal offence.
    What's wrong with being honest?
    Do insurance companies and the Police have a problem with people who are honest?
    Seems they do.

  4. #4
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    Default Re: House insurance

    Out of interest, don’t most insurance policy documents put in the conditions something along these lines (taken from AXA’s home insurance policy booklet), please inform us “if you or any family member is prosecuted for or convicted of any offence (excluding motoring offences)”? Lot of policy documents I’ve seen use that “except motoring convictions” language. I’d say a reasonable interpretation would be drink driving falls under that, I mean speeding to drink driving is all covered under the road traffic act, surely?

  5. #5
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    Quote Originally Posted by SuicidalDepressive View Post
    Out of interest, don’t most insurance policy documents put in the conditions something along these lines (taken from AXA’s home insurance policy booklet), please inform us “if you or any family member is prosecuted for or convicted of any offence (excluding motoring offences)”? Lot of policy documents I’ve seen use that “except motoring convictions” language. I’d say a reasonable interpretation would be drink driving falls under that, I mean speeding to drink driving is all covered under the road traffic act, surely?
    Because an offence is covered by the road traffic act does not mean that they are motoring offences. Drink driving and dangerous driving are both in the act but count as criminal convictions and have to be declared where appropriate, subject to the spent conviction rules.

  6. #6
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    Quote Originally Posted by Milton View Post
    Being an honest person I answered the question honestly.
    The question asked if I have ever been convicted of any criminal offence.
    What's wrong with being honest?
    Do insurance companies and the Police have a problem with people who are honest?
    Seems they do.
    I suggest that you take the discussion up with Santander for asking a question that is improper under the Rehabilitation of Offenders Act, 1974, as amended. The question should be reworded.

  7. #7
    Milton is offline Member
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    Default Re: House insurance

    Thanks for your reply Mr Price.
    I completely agree with you.
    The question should be re-worded.
    However, I wonder if I had taken out house insurance with Santander and not disclosed my
    30 year old conviction. what would have happened if I had to claim.
    Under such a situation would Santander be able to discover my old conviction and void my insurance?
    Basically are old convictions kept on record or not?
    I understand that 30 year old drink driving convictions are completely wiped off an offenders record.
    However, I understand that any further criminal motoring conviction will bring back the old conviction.
    I therefore suspect the old conviction is never actually spent or removed from a persons record.

  8. #8
    Milton is offline Member
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    Default Re: House insurance

    Thinking about this insurance issue more deeply I have realised the following.
    If house insurance 30 years ago took the attitude as they do now I would have been
    homeless with a wife and four children living on the streets.
    My building society insisted that I had buildings insurance in order for me to maintain and pay a mortgage.
    Under the new rules a person who has a well paid job and prosecuted for drink driving can loose their
    house despite not being in arrears with their mortgage.
    Looks like my previous posts are correct that you will be better off unemployed if you are convicted
    of drink driving.
    Being umemployed, the state will pay mortgage interest and any insurance required to prevent family's
    becoming homeless.

  9. #9
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    I think you are over worrying about this.

    This is what compare the Market says about insurance with a conviction, so no one, since 1974, need to have worried about a conviction stopping them from getting insurance, and as I said before, after 5 years it is non discloseable anyway


    Does home insurance for people with a criminal conviction cost more?

    Yes, it can be more expensive than ordinary insurance, but if you look around and compare prices, you should be able to find an affordable policy that will provide you with a home insurance with a criminal record.
    We can help you search for providers that give you the home insurance cover you need. All you need to do is answer some questions about yourself and your property and we’ll do the hard work for you. We search our database of insurance companies and give you a list of those that can give you home insurance even though you have a criminal conviction. And if you need to speak to someone for more information, we have experts on hand to help you too.

    “Normally, yes they will ask you if you have any convictions and you need to disclose these, unless the conviction is now ‘spent.’”

    As to the claim that your mortgage interest and insurance will be paid for you if you give up your job, the money advice website clears this up, I think it has been the case for 2 years or so:

    Mortgage Rescue scheme

    England

    This scheme is no longer available.


    It also goes on to clarify about what happens if you are dismissed from your job, OR LEAVE WITHOUT GOOD REASON, where you may not immediately be entitled to Jobseeker’s Allowance. This should put an end to the suggestion that you should avoid a large fine by giving up work...... so no large fine, but no mortgage help and no unemployment money for weeks. Work it out carefully before following advice to quit your job before court!

    Are you entitled to benefits if you’ve been sacked?

    If you’ve been dismissed from your job because of misconduct, or you left it without a good reason, there might be a delay before you can start getting Jobseeker’s Allowance or Universal Credit.
    This is because your Jobcentre Plus work coach is allowed to apply a sanction to your benefit – in other words, stop it being paid for a certain number of weeks. It’s up to your work coach how long the sanction lasts.

    On the question of convictions, the answer is “yes and no” ..... YES that your conviction becomes spent, but NO it is not removed. It becomes ‘invisible’ to a normal check, but would re-appear if someone had a second conviction and therefore both became relevant to a DBS check.

  10. #10
    Milton is offline Member
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    Default Re: House insurance

    Convicted Driver Insurance Quotes
    I have tried to get house insurance quotes from other companies recently.
    They have all turned me down due to my drink driving conviction.
    I never had this problem 30 years ago.
    Sadly it seems that the older a drink driving conviction is then the more serious it becomes.

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