Home Insurance for Customers with Criminal Convictions
Specialist Non-Standard Cover from Kingfisher Insurance
Finding home insurance for criminal convictions can feel challenging – especially if you have been declined by mainstream insurers or comparison sites.
At Kingfisher Insurance, we specialise in helping our customers access non-standard home insurance, including those with unspent or recent criminal convictions.
We pride ourselves on taking a practical, understanding approach, while working with specialist insurers who consider your individual circumstances to help you find the cover you need.
What is Non-Standard Home Insurance for Criminal Convictions?
Non-standard home insurance is designed for people who don’t meet the criteria of standard insurers or those often seen on comparison sites.
If you have a criminal conviction, many standard providers may decline your application automatically, offer limited cover options, or apply higher premiums without any flexibility.
This is where non-standard insurance provides an alternative. At Kingfisher Insurance, we work with insurers who:
- Take a more flexible underwriting approach
- Assess each case individually
- Understand that circumstances can change over time.
Giving you the opportunity and peace of mind knowing you still have access to home insurance, even if you’ve struggled to secure cover elsewhere.
What’s Included in the Cover?
The policy is flexible and can be built around your requirements, with a choice of cover and optional extras. At Kingfisher Insurance, we work with you to understand your needs and tailor the policy accordingly.
Included as standard:
- Buildings Insurance – Including the structure of your home, permanent fixtures, garages, sheds, and outbuildings
- Contents Insurance – Including furniture, appliances, electronics and everyday belongings.
Optional extras:
- Accidental damage cover
- Personal possessions outside the home
- Legal expenses cover
- Cover for high-value items.
Who We Cover:
We help customers who may have struggled to obtain home insurance through standard insurers or comparison sites, including those with:
- Unspent criminal convictions
- Previous insurance refusals or cancellations
- Adverse credit history (such as CCJs or bankruptcy
- Claims history
- Non-standard properties or higher-risk circumstances.
If you’ve been declined or are unsure whether you’ll be accepted, our expert team can help explore your options.
Why Choose Kingfisher Insurance?
Specialist Expertise
Experienced in non-standard insurance for customers with more complex circumstances.
Flexible Underwriting
We work with insurers who consider your situation individually, not just automated criteria.
Support You Can Trust
Friendly, confidential guidance from quote through to policy and beyond.
Tips to Improve Your Insurance Options
There are steps you can take to improve your chances of finding suitable cover and managing the costs over time.
Be Honest and Accurate
Answer questions clearly to ensure your cover remains valid.
Improve Home Security
Alarms, CCTV, and secure locks can help reduce risk.
Build a Claims-Free History
Fewer claims can improve your options over time.
Keep Your Details Up to Date
Let your insurer know about any changes to your circumstances.
Review Your Policy
Check your cover each year as circumstances change.
Speak to a Specialist
Access more flexible insurers with expert support.
Frequently Asked Questions
Can I get home insurance if I have a criminal conviction?
Yes, you can still get home insurance if you have a criminal conviction. While some standard insurers may decline applications. Kingfisher Insurance can help arrange cover through a panel of specialist insurers who will assess your individual circumstances.
Do I need to declare spent convictions?
In most cases, you do not need to disclose spent convictions unless you are specifically asked by the insurer. It is important to always answer all questions truthfully and in accordance with what is requested.
Will a criminal conviction increase my premium?
A criminal conviction can impact your premium, as insurers may view it as a higher risk. However, at Kingfisher Insurance, we work to find competitive options through specialist providers.
What types of convictions affect home insurance?
Insurers may consider all types of unspent convictions, particularly those related to fraud, theft, or arson. Each case is assessed individually rather than using a one-size-fits-all approach.
What happens if I don’t declare a conviction?
If you fail to disclose a criminal conviction when asked, your policy could be invalidated, and claims may be refused. It is important to provide accurate and honest information.
Can I be refused home insurance because of my conviction?
Some insurers may refuse cover, but specialist brokers like Kingfisher Insurance can help find alternative options by working with insurers who accept non-standard risks.
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