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Insurance for reformed offenders - Ex Offenders insurance....

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Insurance and convictions on BBC Rip Off Britain

Articles and reports on ex-offender insurance - Click on subject to go to article:

November 2011: Another person with a Criminal Record has a problem with a Comparison Insurance web site - I just had a client on the phone , who had a very serious criminal conviction, he had gone to the usual comparison sites for car insurance, filled in all the details, there was a question “ do you have any NON MOTORING CONVICTIONS.....

August 2011: Is your Policy Valid? - Insurance With An Unspent Conviction- Neil Cook an insurance broker who has often provided interesting information for this blog is highlighting the issue of obtaining valid insurance with an unspent conviction. After speaking with several groups of reformed offenders recently, it is clear to him that many people are not declaring their unspent convictions when taking out insurance

August 2011: To stop the re-offending of petty/drink/ drug related offenders Neil Cook an insurance broker who has often provided interesting information for this blog has just sent us this. "First and foremost, I was unable to watch the channnel 4 programme, due to another "Hiccup" in my recovery of the pitfalls of life mishaps, but having took myself down to "Unlock" rehibilition of ex-offenders, as rep for ex-offenders at my local community townhall) .........

UNLOCK Interview 29th July 2011- UNLOCK are an independent charity that was setup by reformed offenders with the vision of achieving equality for reformed offenders. Their objectives include aiding those leaving prison with the information and support they require for life on the outside, whilst trying to create a better public opinion of reformed offenders so that they integrate back into society and lead crime free lives without the prejudices that they currently encounter. Following our work with UNLOCK on Insurance and Convictions: A Detailed Guide for Consumers, we have been fortunate enough to interview Julie Harmsworth, the Deputy Chief Executive and Directory of Policy and Research of UNLOCK. To find out more click on the image below

July 2011: Insurance for ex offenders -Ex offenders and their families often have a lot of difficulty in obtaining insurance and specialist insurance brokers will receive emails saying explaining their individual problems.

March 2011: Mother of a ex-prisoner trying to obtain home insurance - Neil Cook an insurance broker has just sent us in this letter he has received from a client

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

February 2011: Prison sentence starts when your released -Imagine, you have come from a broken home age 14 years of age, have been abused,your living rough in the streets for years, you drink and shoplift to "Survive", cos you have no fix abode.

November 2010: Scope for ex offenders - POLICY OF TRUTH! Or THE TRUTH OF HOW INSURANCE COVER AFFECTS THE SOCIALLY EXCLUDED AND THE UK ECONOMY

October 2010: Subsidence and underpinned insurance - Help is here - Are you having difficulty trying to get insurance for your underpinned property?

August 2010: Employing ex offenders -Whilst some larger organisations gladly give reformed ex offenders employment it does tend to the lower grade positions.

June 2010: Insurance cover affects the socially excluded -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 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

November 2008: Call to unlock access to insurance for reformed offenders- The insurance industry is failing reformed offenders who are seeking entry to basic financial security, according to Chris Bath of the offender charity UNLOCK.

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.

NEWHOPE - Insurance information for those with a Criminal Conviction or families of those with criminal convictions Insurance for reformed offenders - Ex Offenders insurance HERE

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Insurance With An Unspent Conviction: Is your Policy Valid?

Insurance expert warns of worthless insurance policies and asks, “Have you read the small print?”

Neil Cook, Head of Specialist Risks at T R Youngs Insurance Brokers, is highlighting the issue of obtaining valid insurance with an unspent conviction. After speaking with several groups of reformed offenders recently, it is clear to Neil that many people are not declaring their unspent convictions when taking out insurance.

“What I am hearing so often is that people with an unspent conviction are confused about what they need to declare to their insurance provider”

When a conviction becomes spent is controlled by Rehabilitation of Offenders Act 1974 (ROA). Under these regulations prison sentences over two and a half years never become “spent”.

Neil went on to say, “The problem is two-fold. First are those people who have never been clearly asked about their unspent convictions by the insurance agencies.

“The second problem is people are not declaring when asked because they believe they will not be able to obtain affordable insurance. Approaching the mainstream insurance companies, this is often the case.”

Insurance contracts operate under the principle of “good faith” which puts the responsibility of declaring “material fact” such as unspent convictions, directly on to the policyholder. By not correctly declaring all unspent convictions, intentionally or not, policies are effectively worthless.

“If you are not sure if you have informed your insurance provider about all unspent convictions, it is worth double checking the policy to ensure all unspent convictions are listed and your insurance is valid. Discovering that the policy is void on claiming is too late.” said Neil.

Declaring all material facts at the outset is best practice, even if the insurance company does not directly ask about specific unspent criminal convictions. While declaring unspent criminal convictions does make obtaining insurance more difficult, there are specialist insurance brokers who can provide affordable policies.

Neil operates Hard to Place Insurance, a specialist insurance placement website and can help obtain insurance for many types of specialist risks, including insurance with an unspent conviction.

Source: PRLog 1-8-11