Hi anon
Really sorry to hear about
the problems that you've been having. It seems as though the problem has arisen as a result of purchasing the policy via a third party. Unfortunately, this is something that we've seen before. Our advice would always be to check the policy small print as soon as you receive it to ensure that what you've disclosed has been recorded. If in any doubt, then give the brokers a call.
If you are somebody with a conviction or living with somebody with a conviction, we would recommend that you avoid third party sites, i.e. comparison sites and contact the broker or insurer directly.
As Home Protect advertise on our site, I've taken the opportunity to look at the question they ask which is as follows:-
Do you have any unspent criminal convictions (other than motoring convictions) YES/NO
They also provide the following guidance
'Convictions considered to be spent under the Rehabilitation of Offenders Act 1974 do NOT need to be disclosed.
The way in which a conviction can become 'spent' under the Rehabilitation of Offenders Act 1974 will depend upon the sentence received for the offence, and the rehabilitation period that applies to that offence sentence.
For more information please take a look at the Criminal Record Disclosure Calculator produced by UNLOCK.'
If you had contacted Home Protect when you purchased the insurance, it's likely that you would have become aware that your partner's conviction was spent and that you had no need to disclose it. At that point, you could have chosen to go elsewhere as you would have no need to use a specialist broker.
Many thanks for highlighting your experiences and I'm delighted to hear that your partner is now in the fortunate position of having a spent convicton.
Need Unlock's advice?
Visit our self-help information site or
contact our helpline
Need Unlocks advice?
Visit our self-help information site or
contact our helpline