Home Insurance with A Criminal Conviction

Home Insurance for those who have a criminal conviction record.

03348 921 750

Monday - Friday 9am - 5.30pm

About Home Insurance with A Criminal Conviction

Certificate

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.

Care

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.

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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

Question

What excess do I have to pay on this policy?

Answer

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.

Question

Can Towergate arrange immediate cover?

Answer

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.

Question

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

Answer

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.

Question

Would I still be covered for theft under this policy?

Answer

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

Question

How can I pay for my premium?

Answer

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

Question

Where can I find full details of my policy?

Answer

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.

1.

Find your insurance documents

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

2.

Call the claims team

on 03450 744 760 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim