By Star - 9 Sep 19 10:03 AM
Hi everyone, I have found out only this morning that having a restraining order made against me means I cannot take out a home buildings or contents policy. If anyone knows of an insurance company who would be prepared to allow me to take out a policy, or have useful experience of getting around this problem, I would be very grateful for any pointers, suggestions, guidance, etc. Many thanks.
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By Deb S - 10 Sep 19 8:06 AM
+xHi everyone, I have found out only this morning that having a restraining order made against me means I cannot take out a home buildings or contents policy. If anyone knows of an insurance company who would be prepared to allow me to take out a policy, or have useful experience of getting around this problem, I would be very grateful for any pointers, suggestions, guidance, etc. Many thanks.
Hi Star
Really sorry to hear of the difficulties you're having with home and contents insurance. It can be difficult to get this type of insurance with a high-street insurer if you have an unspent conviction. However, it's likely that you'll be able to secure a policy through a broker and I've attached Unlock's list of 'friendly' brokers - https://hub.unlock.org.uk/knowledgebase/list-insurance-brokers/.
Good luck. Let us know if you have any success and which broker you used.
Debs
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By Star - 10 Sep 19 11:23 AM
+x+xHi everyone, I have found out only this morning that having a restraining order made against me means I cannot take out a home buildings or contents policy. If anyone knows of an insurance company who would be prepared to allow me to take out a policy, or have useful experience of getting around this problem, I would be very grateful for any pointers, suggestions, guidance, etc. Many thanks. Hi Star Really sorry to hear of the difficulties you're having with home and contents insurance. It can be difficult to get this type of insurance with a high-street insurer if you have an unspent conviction. However, it's likely that you'll be able to secure a policy through a broker and I've attached Unlock's list of 'friendly' brokers - https://hub.unlock.org.uk/knowledgebase/list-insurance-brokers/. Good luck. Let us know if you have any success and which broker you used. Debs
Thank you. :-)
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By anon - 25 Apr 16 4:08 PM
Hi
I thought I would share my experience of dealing with Home Protect who ironically advertise their insurance on this site. I took out insurance with them solely because they advertised they offer home insurance to those with criminal convictions as sometimes it can be difficult to obtain household insurance with previous convictions. My partner was convicted of GBH years ago and was sentenced to 4 years imprisonment. He served 2 years and on his release has been a law abiding citizen ever since. I took out the household insurance via a third party site who searched for the best deal for me and then directed me to Home Protect with the information I had provided, including details of my partners previous conviction. When I received the hard copy of the policy, the part which lists whether you have declared any criminal convictions does not list the information you have provided- for reasons of data protection. After years with them, I had reason to make a claim. On contacting them, I was put through to their insurance broker who asked me the relevant questions including about whether anyone in my household had any criminal convictions, of course I answered yes and gave them the details. They then checked with Home Protect that I had declared this information to them, when taking out the insurance policy. Home Protect answered that I hadn't, effectively making my insurance null and void. After debating this with the manager there, my argument was that I had declared this information, that obviously something had gone wrong between the third party website and theirs on the transference of this information and of course I had no means of checking the information on my insurance policy as it was left blank for data protection reasons. Whilst lodging a complaint with them, where I myself was made to feel like a criminal and intrusive questioning followed such as whether I could offer any mitigating circumstances to do with my partner's previous crime, in which I felt as if I myself was in a courtroom, being treated like a criminal, which led me to feel very anxious and depressed. I then happened to google the rehabilitation of offenders act 1974 and came across Unlock's wonderful website and discovered using their calculator that under the reforms of the rehabilitation of offenders act 2014, my partner's conviction was effectively spent, which meant that actually, I hadn't needed to even mention my partner's previous conviction at all! It's ironic that Home Protect and their underwriter seem to be unware of the changes to this legislation! So effectively they themselves are breaking the law. I subsequently cancelled my policy and changed to another insurance provider. I was flabbergasted to see that Home Protect advertise on this site, whilst being unaware of current legislation and after the harrowing experience they put me through. So please be aware of your rights under this amendment and also be cautious when entering details via a third party website and check the information transferred is correct when taking out any insurance-better safe than sorry! I would hate for you to have to go through what I and my partner had to go through!
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By Harry53 - 31 Aug 23 10:21 AM
I have renewed my home and contents insurance with HOME PROTECT. No loading of premium, just straight forward insurance without punishing people with convictions.
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