Where did you get the idea that you can't get home and contents insurance cover just because you have a restraining order? Maybe your insurer won't offer you cover, but that's not the same as having insurance refused, it just means that they don't have a product that fits your circumstances. A bit like Sheila's Wheels not insuring men all those years ago. Anyway, Unlock has a list of insurers who can help people with unspent convictions here
, so take a look. Also, there are some mainstream motor insurers who are only interested in motoring convictions, so if you need motor insurance, try their list here
Robert Lightfoot, former head of NASA, said it succinctly in his parting speech in April 2018: Protecting against risk and being safe are not the same thing ... [W]e must move from risk management to risk leadership. From a risk management perspective, the safest place to be is on the ground. From a risk leadership perspective, I believe thats the worst place [we] can be.