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Call
to unlock access to insurance for reformed offenders
12/11/2008
The
insurance industry is failing reformed offenders who are seeking entry to basic
financial security, according to Chris Bath of the offender charity UNLOCK.
In the
CII’s latest Thinkpiece released today, Bath argues that blanket policies, confusing
laws and an overall lack of knowledge among both the consumers and industry contribute
to a system that blocks people trying to go ‘straight’ from getting the very thing
they need most to reintegrate into society: insurance. Bath
puts forward what he believes are workable solutions that could help both industry
and the consumer and claims that by opening access to insurance to a market historically
assumed as being too risky, insurers could make a fundamental impact on reducing
crime while retaining a commercial approach. He
says, “Developing more progressive, data-driven risk-pricing models could offer
a largely untapped commercial opportunity, while simultaneously contributing to
justice and crime reduction.” David
Thomson, Director of Policy & Public Affairs at the CII adds: “Chris’s paper highlights
one of the major issues faced by reformed offenders and throws down a challenge
to both the government and the industry. If insurers are able to develop appropriate
risk models they could make a fundamental impact on reducing crime within a realistic
commercial market.” The
Thinkpiece can be found at www.cii.co.uk/thinkpiece
Source: CII
- The Chartered Insurance Institute Neil
Cook of The Delite Insurance Agency, Gillingham, Kent commented on this news "Delite
Insurance Agency Have for many years helped clients with insurance problems such
as criminal conviction obtain truly affordable cover with compassionate service
although they do have a number of competitors in this field Delite's service is
truly ward winning." More
information at Ex
Offenders / reformed offenders Insurance UNLOCK
-The National Association of Reformed Offenders also have their own guide
to insurance Here
See
also - Insurance
for people with criminal convictions  June
2008: Ex-offenders
charity speaks out over industry policy of exclusion The aggregator market has
been criticised for failing to make it clear to ex-offenders that they must declare
convictions.The criticism followed the launch of a campaign by charity Unlock
- the National Association of Reformed Offenders - to remove the blanket exclusion
by most insurers for people with convictions, and to introduce risk assessments
to create more suitable policies for ex-offenders - Click
Here for news report
NEWHOPE
- Insurance information for those with a Criminal Conviction or families of those
with criminal convictions Click
Here February
2011: New insurance
guidance to help 8 million consumers with past criminal convictions - UNLOCK,
the National Association of Reformed Offenders, has joined up with the Association
of British Insurers (ABI) to produce guidance for consumers and insurers on the
complex issue of criminal convictions and insurance May
2010: Scope
for ex offenders There are still major insurance issues faced by an estimated,
eight million UK, and Northern Ireland residents who have a current unspent criminal
conviction that may stop them starting either a business or going about their
every lives thus contributing to society May
20th 2010: Public liability
insurance found for ex-offender - Story of an ex-offender who had difficulty obtaining
insurance - jml insurance Blog October
14th 2009: Seven million warned of insurance
trap - Millions of people could be paying for worthless home insurance because
of a loophole over past convictions, it was claimed yesterday - jml Insurance
Blog December
2008: Concerns about insurance for ex-offenders-In
Mid November UNLOCK The National Association of Reformed Offenders issued a press
statement about the problems of ex-offenders obtaining insurance. jml Insurance
have been acting as an introducer for Delite Insurance for several months and
have concerns about restrictions insurance companies appear to imposs - Click
Here for News Release
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