Home Insurance with Convictions

Home insurance

Sillylivvy

Active member
Hi
My home insurance renewal came through. I am in court on Tues and am expecting a ban. Very upset and remorseful of my actions.
I did a comparison of insurances on compare the market and only 2 companies would insure me once I get my conviction.
I called the company I was with and who provided the renewal and they said it made no difference.
For those if you worrying about this, as I was- call them as it may not be as bad as you think.
Hope his helps someone on here.

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Milton

Well-known member
Hi
My home insurance renewal came through. I am in court on Tues and am expecting a ban. Very upset and remorseful of my actions.
I did a comparison of insurances on compare the market and only 2 companies would insure me once I get my conviction.
I called the company I was with and who provided the renewal and they said it made no difference.
For those if you worrying about this, as I was- call them as it may not be as bad as you think.
Hope his helps someone on here.
Hi Sillylivvy,

I wonder what the result of your court appearance was. Not too severe I hope.
Regarding house insurance I had problems with Santander house insurance because they asked for details of any criminal convictions.
I therefore obtained house insurance from a company called Liverpool Victoria.
The house insurance policy document states that I don't have to reveal any details of any motoring convictions.
However, I have been informed on this site that Drink Driving isn't a motoring conviction,
it's a criminal conviction.
I therefore suspect that my house insurance will be declared null and void should I ever need to submit a claim.
 

firemansam007

Active member
Hi Sillylivvy,

I wonder what the result of your court appearance was. Not too severe I hope.
Regarding house insurance I had problems with Santander house insurance because they asked for details of any criminal convictions.
I therefore obtained house insurance from a company called Liverpool Victoria.
The house insurance policy document states that I don't have to reveal any details of any motoring convictions.
However, I have been informed on this site that Drink Driving isn't a motoring conviction,
it's a criminal conviction.
I therefore suspect that my house insurance will be declared null and void should I ever need to submit a claim.
Try Home Protect, they don't want to know Drink drive convictions. They are not interested in those. BTW, Drink drive is not a Motoring Offence, it's a Criminal conviction.
 

TipsyNurse

Well-known member
Hi Sillylivvy,

I wonder what the result of your court appearance was. Not too severe I hope.
Regarding house insurance I had problems with Santander house insurance because they asked for details of any criminal convictions.
I therefore obtained house insurance from a company called Liverpool Victoria.
The house insurance policy document states that I don't have to reveal any details of any motoring convictions.
However, I have been informed on this site that Drink Driving isn't a motoring conviction,
it's a criminal conviction.
I therefore suspect that my house insurance will be declared null and void should I ever need to submit a claim.
All driving convictions are criminal offences except areas where some minor offences have been decriminalised such as parking, allowing councils to enforce them.

However, some offences such as speeding are not recordable meaning you don't get a criminal record for it.

DD of course is recordable, you get a criminal record and the conviction shows on criminal record checks as well as your driving licence.

I would look at the exact terms in your policy to see what is required. With something as important as your home you need to be sure. However, the insurance rules changed some years ago so that insurers can't automatically refuse to honour a policy because of one minor mistake or omission.
 

DonkeyKong

Well-known member
Oh, God, this just gets worse and worse. Are we saying that with a DR10 that the below clause doesn’t mean you don’t have to declare it?

  • You or any person living with you or covered under this policy have never been convicted of and/or charged with any offence (other than motoring convictions and/or any convictions spent under the Rehabilitation of Offenders Act) and do not have any prosecutions pending
I’d never even given this a second thought. I’m assuming if I ring them and ask, if they don’t cover DR10, they will cancel the policy immediately? And then on the next application I would also have to answer YES to “have you ever been refused insurance”. I can’t not have building insurance - the house is worth a lot of money, and is 90% paid off.

I might ask my solicitor, as I have seen conflicting advice on whether DR10 is still a motoring conviction.
 
Home Insurance with Convictions

TipsyNurse

Well-known member
Drink driving is a motoring conviction (it is an offence under the Road Traffic Act along with most driving offences) so you do not need to declare it with that wording.
 

Milton

Well-known member
All driving convictions are criminal offences except areas where some minor offences have been decriminalised such as parking, allowing councils to enforce them.

However, some offences such as speeding are not recordable meaning you don't get a criminal record for it.

DD of course is recordable, you get a criminal record and the conviction shows on criminal record checks as well as your driving licence.

I would look at the exact terms in your policy to see what is required. With something as important as your home you need to be sure. However, the insurance rules changed some years ago so that insurers can't automatically refuse to honour a policy because of one minor mistake or omission.
Today I contacted my house insurance company and told them about my criminal conviction. They agreed that drink driving isn't a motoring offence and I should have mentioned this when I applied for insurance back in June.
They did agree that there is confusion regarding motoring offences and recordable criminal convictions.
Unfortunately they cancelled my house insurance policy due to my criminal conviction and failure to mention it on my
application form.
I feel quite upset about this however, I assume if you're a criminal you get what you deserve.
I understand that my conviction will remain on the PNC until my 100th birthday.
Seems somewhat vindictive in my opinion.
I will look around for alternative house insurance and failing that I will sell my house.
 

DonkeyKong

Well-known member
Drink driving is a motoring conviction (it is an offence under the Road Traffic Act along with most driving offences) so you do not need to declare it with that wording.
Than you. I appreciate your time. So, would you say what both Milton and FiremanSam say above is wrong? I know DR10 is criminal, but if it *is* a Motoring Conviction, then as you say, the wording in my policy precludes it.
 

TipsyNurse

Well-known member
You could check your policy terms but I've never heard anyone say that DD isn't a motoring conviction.

The changes to the insurance Act should mean you are protected as long as you honestly answer the questions they ask. You aren't required to also guess questions that they may want to ask as well.
 

Sillylivvy

Active member
I would call and speak with them. My advisor got guidance on the call and it was recorded so I am covered and it made no difference to home and buildings insurance. Good luck!!
 
Home Insurance with Convictions

DonkeyKong

Well-known member
I would call and speak with them. My advisor got guidance on the call and it was recorded so I am covered and it made no difference to home and buildings insurance. Good luck!!
I’m sure you are right. I’m going to do a bit more research first. A very bad place to be is to have to answer YES to “have you ever had insurance cancelled or been refused insurance” That’s a one-way-trip to a world of crap. If I ring them and ask, and they say... “by Motoring Conviction we meant speeding, and not a criminal DR10” then they must cancel it. Then I have an uninsured house, and little chance of getting someone else to insure me.

In as much as I totally accept that this is *entirely* my fault, the premise is that because I was once, in 50 years, over the Drink Drive limit whilst asleep in my car... I am now NOT covered by the insurance I paid for for decades, without ever claiming, if my house falls down, or someone breaks In a steals everything. This is a rant for another time I guess.
 

TipsyNurse

Well-known member
If you are worried why not call as a "new customer" with dummy details and ask?

However as I said the law has been changed from the days when insurance companies could void your entire Policy for not declaring one detail.
 

price1367

TTC Group
TipseyNurse is correct about house insurance and drink drive convictions.
I asked a contact this afternoon at a major insurance brokers and she confirmed that for house insurance purposes drink driving is classed as a motoring offence NOT a criminal one and is NOT declarable.
 

DonkeyKong

Well-known member
TipseyNurse is correct about house insurance and drink drive convictions.
I asked a contact this afternoon at a major insurance brokers and she confirmed that for house insurance purposes drink driving is classed as a motoring offence NOT a criminal one and is NOT declarable.
Thank you so much mate.
 

TipsyNurse

Well-known member
Drink driving is a criminal offence AND a motoring offence. All motoring offences prosecuted by the police are criminal offences.

Even parking tickets handed out by the police are for criminal offences - hence why they have to be decriminalised for councils to start enforcing them.
 
Home Insurance with Convictions

DonkeyKong

Well-known member
Drink driving is a criminal offence AND a motoring offence. All motoring offences prosecuted by the police are criminal offences.

Even parking tickets handed out by the police are for criminal offences - hence why they have to be decriminalised for councils to start enforcing them.
I’m not sure which of the various opinions above you are trying to ratify here. I do know there is a difference between a criminal conviction, and a criminal record. This entire system is crap. You can have a criminal conviction and no criminal record. The semantics around Motoring Conviction and Motoring offence just make it all worse. I guess giving people who have broken the law an absolute definition on where they stand is not really high up on anyone’s priority list. I do know that when I last did speeding, 30 years ago, that it was dealt with as a civil matter and did not lead to a criminal *anything*. I simply cannot see why my house is no longer covered for falling down just because I was once asleep drunk in a car. I defy anyone to say this isn’t just none sense.

I’m sticking with what you and Price said prior. My house insurance cannot possibly be invalid, as I have committed a Motoring Offence, which Direct Line state in their Ts&Cs is not an issue.
 

TipsyNurse

Well-known member
I think we are all agreeing, DD is a motoring offence and so is covered by the Direct Line exemption. Your insurance is valid.

Your speeding offence 30 years ago will also have been a criminal one. Criminal offences are one of two types, recordable or not recordable. Recordable means you get a criminal record. Non-recordable offences like speeding you don't get a criminal record or need to declare anything if asked for criminal convictions.

With speeding and many other crimes you are offered a course or fixed penalty. If you accept it the police are obliged in law not to prosecute you. So although you have commited a criminal offence you are never actually convicted for it.

It certainly isn't the clearest system!
 

Milton

Well-known member
Be careful what you believe from home insurance brokers or companies regarding this issue.
Copied below is a posting found on this forum from Aug 2010.

"I wasn't expecting this, but it turns out that if you have a drink driving conviction, your home insurance may be invalid, and you won't find out until you try to claim on it!

My home contents insurance was up for renewal recently and I decided to shop around for the best price. It turns out, though, that almost all insurers won't take me because I have a criminal conviction. It doesn't seem to matter whether the conviction is for drink driver or serial murder, it's just a straight yes or no question "do you have any convictions?"

The few insurers who will take me on want an extortionate price, and it isn't as if I could just neglect to mention my conviction because upon claiming these things are checked out and the insurance would be invalid and therefore a waste of money.

Worth checking on for those people who, like me, hadn't even though of things like home insurance being an issue. One more punishment to add to the list! "
 

firemansam007

Active member
Be careful what you believe from home insurance brokers or companies regarding this issue.
Copied below is a posting found on this forum from Aug 2010.

"I wasn't expecting this, but it turns out that if you have a drink driving conviction, your home insurance may be invalid, and you won't find out until you try to claim on it!

My home contents insurance was up for renewal recently and I decided to shop around for the best price. It turns out, though, that almost all insurers won't take me because I have a criminal conviction. It doesn't seem to matter whether the conviction is for drink driver or serial murder, it's just a straight yes or no question "do you have any convictions?"

The few insurers who will take me on want an extortionate price, and it isn't as if I could just neglect to mention my conviction because upon claiming these things are checked out and the insurance would be invalid and therefore a waste of money.

Worth checking on for those people who, like me, hadn't even though of things like home insurance being an issue. One more punishment to add to the list! "
I am not sure of any home insurance company ask for a criminal record (ie DBS check) when we make a claim. Any experiences and advise would be greatly appreciated.
 

TipsyNurse

Well-known member
Insurance has totally changed since 2010.

Pre-2015 it was your responsibility to tell the insurance company anything you knew that could affect the quote, even if they didn't ask for it. If they found out anything that would have affected the quote, they could void the entire policy.

Now you only have to answer the questions they ask. If you have done that, they can't at a later date add extra conditions. If you do make a mistake they can only make a proportional adjustment. They can't void the policy unless you make such a big error they wouldn't otherwise have insured you.

That gives significant protection to people with convictions, medical conditions etc. because you can mainstream insurance with insurers like Direct Line who don't ask for DD convictions. In fact it would probably be good to have a list of insurers who don't ask so people can compare quotes.

They cannot, in any way, penalise you for a DD conviction if they do not ask for it when you apply any more.

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