Landlords Insurance with Criminal Convictions
Get great value Criminal Conviction Landlord Home Insurance with Fresh-Start
2 Options available including:
Personal Legal Expenses Insurance, Home Emergency Cover...see all
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Landlords Insurance with Criminal Convictions
Landlords Insurance with Criminal Convictions
With Fresh-Start Landlords Insurance with a Criminal Record, we make protecting your property and your peace of mind, simple.
As a landlord, regardless of your unspent criminal conviction, your rental property is likely to be one of your biggest investments! You need to have confidence and trust that it’s properly protected when you let your property out to tenants.
At Fresh-Start Home Insurance, we recognise the difficulty ex-offenders can face when trying to obtain suitable Landlord Home Insurance. However, that’s where Fresh-Start Home Insurance can help offer you specialist protection.
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If you would like some assistance when completing your application form do not hesitate to call our Fresh Start-Home Insurance specialists on 01483 806 900.
What is Landlord Insurance with Criminal Convictions?
Our Specialist Home Insurance for Landlords with Criminal Convictions covers several risks you might face when letting or leasing your property. Our policies offer you, the landlord, a judgement free, discreet, and professional service to make obtaining Landlord Insurance easier for people with Criminal Convictions.
Whether it’s buildings cover, contents cover, or buildings and contents cover you are after, Fresh-Start Home Insurance can provide a range of policies for you to choose from. What’s more, our Landlord Home Insurance covers a range of areas designed to give you peace of mind when renting out your property. Fresh-Start Landlord Home Insurance policies are there to help cover the costs should something unexpected happen to or in your property.
Landlord Insurance with Criminal Convictions is different from a ‘standard’ Home Insurance policy because it specifically covers the risks associated with renting a property. Even if you have reliable tenants that pay their rent on time, there are still things that can and will unfortunately go wrong. That’s where a Fresh-Start Landlord House Insurance policy can help provide cover for you and your rental property. Our policies include protection against loss of rent, accidental damage cover, injuries, and much more.
Do I need Landlord Insurance with Criminal Convictions?
A ‘standard’ Home Insurance policy is unlikely to cover any activity in or risks specifically related to your rented property, such as loss of rent or any loss or damage to the property, therefore you should consider some Landlords Insurance. However, many ‘standard’ Landlords Insurance policies exclude cover for Landlords with unspent criminal convictions.
If you find yourself in the unfortunate situation of needing to claim on your policy and did not disclose your unspent criminal convictions when asked, then your policy is likely to become invalid. So, if you want to safeguard your income, it’s important to obtain specialist Landlord Insurance that will provide you with cover regardless of your unspent conviction.
Although Landlord Insurance isn’t a legal requirement, most buy-to-let mortgage lenders will require you to take out suitable insurance before your tenants move in. At Fresh Start Home Insurance, we understand that being a landlord is complex and that’s why, to make your job easier, we offer specialist Insurance for Landlords with Criminal Convictions, designed to protect your wallet and your peace of mind.
Landlord Insurance for Criminal Convictions is Available for:
- Landlords and Buy-to-Let Properties
- Clean and Non-standard Risks
- Landlords with Adverse Claims History
- All Tenancy types and agreement lengths considered
Landlord Insurance for Criminal Convictions Includes Cover for a Number of Perils:
- Fire, Lightning, Explosion or Earthquake
- Storm, Flood or Weight of Snow
- Escape of Water or Frost Damage to Fixed Water Tanks, Apparatus or Pipes
- Theft or Attempted Theft
- Subsidence or Heave of the Site on which the Buildings Stand or Landslip
Click Here to Request a Quote >>>
If you would like some assistance when completing your application form do not hesitate to call our Fresh-Start Home Insurance specialists on 01483 806 900.
Contact Fresh Start Landlord House Insurance
If you wish to speak to one of our Fresh-Start Landlord House Insurance Specialists:
Call: +44 (0)1483 806 900
Email: info@Fresh Start.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here.
About Fresh-Start Landlord House Insurance Policy
Our Landlord House Insurance Policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. Fresh-Start Landlord Building Insurance is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our Fresh-Start Landlord Building Insurance policies provide tailor-made protection, as required.
How do I get a Fresh-Start Landlord House Insurance Quote?
At Fresh-Start Home Insurance we aim to provide you with a first class customer service experience to ensure you are getting the protection you require.
To get a Fresh-Start Landlord House Insurance quote click the ‘Get a Quote‘ button and complete our short online quote request form on the website.
Click Here to Request a Quote >>>
If you would like some assistance when completing your application form do not hesitate to call our Fresh-Start Home Insurance specialists on 01483 806 900.
Criminal Convictions and Home Insurance Fact Sheet
1. How Does Having a Conviction Affect My Insurance
If you have a criminal conviction, your current home insurance is likely to be invalidated, unless the insurers are aware of it and have agreed cover. If you don’t have prior approval and need to make a claim on your insurance policy, you may be declined, potentially leaving you out-of-pocket.
2. If I’m living with others, do they need to disclose my conviction to their insurer?
Yes. The unspent criminal convictions of anyone in a household can also affect the home and contents insurance policy, even if the homeowner doesn’t have a conviction themselves.
3. Why do I need to disclose unspent convictions?
When applying for insurance or renewing your policy, you will be asked if you have any unspent criminal convictions. Failure to tell your insurance company about unspent convictions can invalidate your insurance policy.
4. What is the difference between spent and unspent convictions?
A spent criminal conviction means the rehabilitation period has been completed. Convictions resulting in a prison sentence of over 4 years are never spent. As a result, they must always be disclosed.
Under the Rehabilitation of Offenders Act, most convictions can be considered spent after a certain about of time. You can learn more about the time frames relating to your own situation here: Frequently Asked Questions.
5. Do I need to disclose spent convictions?
No. A conviction is spent once the rehabilitation period has been completed. For more information, go to: Frequently Asked Questions.
6. Does an unspent conviction, mean I will be turned down by all insurers?
No. Specialists such as Fresh Start Insurance Services can usually provide home and contents coverage that will meet your needs.
7. What will happen if I don’t disclose an unspent conviction?
Your existing insurance is likely to be invalidated. If you need to make a claim on your policy you may be turned down, even though you have paid your insurance premiums.
8. Will a criminal conviction make my insurance more expensive?
This will depend on the kind of policy you are seeking. Generally, yes, however, obtaining insurance through a specialist service helps you avoid paying more than necessary.
9. Do I need to know the rebuild costs of my property?
It is always sensible to know the rebuild costs for your property and in order to take out a Fresh Start policy, you will need to provide this information.
How do I get a Quote for Landlords Insurance with Criminal Convictions?
It’s quick and easy to get a Landlords Insurance with Criminal Convictions quote.
Just click the ‘Get A Quote’ button to get an online quote for Landlords Insurance with Criminal Convictions.
Landlords Insurance with Criminal Convictions policy options
Personal Legal Expenses Insurance
Add up to £50,000 of Personal Legal Expenses Insurance to your Fresh Start policy for additional peace of mind should the unexpected happen. Benefit from cover for areas such as Domestic Property Protection, Legal Defence, and more
Home Emergency Cover
Get protection in place to cover the costs of Emergency Repairs to your property with Home Emergency Cover.