About Home Insurance with A Criminal Conviction


Optional legal cover

We can offer the option to add legal cover to your policy which will help cover the cost if you found yourself in a legal dispute regarding the insured property.


Case by case basis

Every policy will be considered by our underwriters on an individual basis as we know criminal convictions aren’t all the same. So, whether it was a small fine or a custodial sentence we will review to confirm if we able to provide cover to you.


Dedicated specialist property team

Our friendly and helpful claims team are available 5 days a week, 8:30am - 5:30pm.

Direct Debit

Spread the cost of home insurance with criminal convictions

We can offer you the option to spread the cost over a monthly direct debit plan.

Features of Home Insurance with A Criminal Conviction

Standard cover

Home contents cover

As well as your buildings we can offer cover for your contents too. You must lock all of your doors and windows when you leave the home for this cover to remain valid.

Alternative accommodation cover

If your home becomes uninhabitable and the cover for damage is included in your policy, you’ll have cover in place towards the cost of staying somewhere else.

Liability cover

We can provide property owners', occupiers' and personal liability cover.

Buildings cover

We will provide cover for your buildings as standard and we can also offer the option to add on accidental damage cover as well.

Additional cover

Homecare emergency

Choose to add home care emergency assistance and you’ll benefit from a 24-hour helpline for sudden, unexpected events. A team will then assist you in making your home safe and secure once more and restore electricity, gas or your water supply if required. There is no excess to pay for this service and it will not affect your no claims bonus.

Home Insurance with A Criminal Conviction FAQs


What excess do I have to pay on this policy?


You can choose to add a voluntary excess from £50 to £450. It could be that increased excesses are applied to your policy dependent on the risk presented. For more information speak to one of our sales advisers on 0344 892 1750.


Can Towergate arrange immediate cover?


This depends on your circumstances and the type of property you want to insure. The quickest way to find out is to speak to one of our advisors on 0344 892 1750.


What do I do if I need to cancel my cover?


You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made).

If you cancel after period, the refund will differ and a fee will be charged.

If you need to cancel your cover you will be charged relevant administration costs for setting up the policy.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease.

Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0344 736 0088.


Would I still be covered for theft under this policy?


Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.


How can I pay for my premium?


You can pay by credit card, debit card or monthly direct debit.


Where can I find full details of my policy?


We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 03450 744 760 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim