Ex- Offender Business Insurance

L. F. E. - Lifeline For Ex-offenders

CRIMINAL RECORD? CONVICTIONS? CAN'T GET INSURANCE FOR YOUR HOME OR BUSINESS?

DON'T GET YOUR INSURANCE CLAIM REJECTED DUE TO NOT DISCLOSING A CONVICTION!

Ex Offender? Want competitive insurance quotations for proposers with criminal convictions? - ring us for advice and a quotation

Do you have a criminal record and are finding it either difficult or expensive to get a quotation for your home or business insurance because of your convictions?

As you are probably aware, if you have a conviction and don't disclose it to your insurers, it is probable that your insurers will refuse to pay any claim.

We offer insurance policies for ex-offenders. We will deal with your request in the strictest confidence.

Ring us on 0116 284 6090 for advice and a free quotation for your home, property or business insurance

or click here to make an enquiry

Frequently Asked Questions:-

Do I need to advise insurance companies about my conviction – even if they don’t ask the question?
The insurance industry considers unspent criminal convictions to be a "material fact". A "material fact" is a fact that is likely to influence the insurance company as to whether they would accept the risk or what premium they would charge. If you are in any doubt as to whether a fact is material fact, you must disclose it. Despite what many people think, if you have an unspent conviction, you must disclose it, irrespective of whether you are asked by the insurer.

If you do not declare your conviction you could be breaking the law and you could be prosecuted for attempted fraud. Also, when a claim is made the insurer will not pay the claim. If you don’t declare you conviction your insurance will be null and void and you would have wasted your time and effort arranging it in the first place!

I arranged my insurance online and they didn’t ask about my convictions – am I covered?
If you arranged your insurance online there is often a preliminary page of assumptions which you have to tick – one of which will undoubtedly be that you have not had any convictions other than motoring convictions. As advised above you need to disclose that you have had convictions – the insurance company may or may not agree to carry on cover, but if they decide to cancel they may return all the premium that you have paid. Our advice is DON’T do it online – you are almost certainly going to arrange it incorrectly!

Is there anything else that is a "material fact" that I would disclose?
Some of the items that insurers regard as "material facts" are:-

• Bankruptcy
• If you have been a director of a company that has gone into administration
• Previous claims
• A history of flooding in the area

The rule of thumb is – if in doubt disclose it!

Does this only apply to business insurance? Do I or my family have to declare my convictions to my/ their home insurers?
This also applies to home insurance. Also it does not only apply if you are taking out home insurance but it applies to the entire household and their family living with them. Anyone obtaining home buildings or contents insurance must disclose if they have someone living with them that have unspent convictions.

What Insurance do I need for my business to remain legal?
Employers Liability Insurance and Motor Insurance are the only insurances that are required by law. However that does not mean that is the only insurance that you need to protect yourself and your business.

Employers Liability cover is required if you have anyone that works for you (even if they are not paid). The only exception to this is if you employ a member of your immediate family.

What other insurances am I likely to need?
This will vary depending on what business you are starting up.

It is recommended that all self employed persons and business have Public Liability cover. This covers you for any damage you do to other people’s property and for injury that you cause to anybody (other than your employees, as they are covered under employer’s liability). It will also cover you for any legal costs incurred in defending a claim against you.

Other insurances that you may need, depending on the type of business that you run are:-

• Business Premises cover
• Business Contents cover
• Cover for tools and equipment
• Business travel insurance
• Motor Trade Insurance
• Goods In Transit
• Money cover

How will I know what Insurance I will need?
If you speak to an independent insurance broker that specialises in insurance for ex-offenders, we will ask you a lot of questions about the business that you are going to set up and we will obtain the necessary quotations for you and advise you on the covers that you need.

We realise the odds are often stacked against ex-offenders in the insurance market, so we deal with carefully selected insurers on a one-to-one basis, treating each case individually. We work closely with their specialist underwriters who understand that convictions do not necessarily mean an increased risk of claims or fraud. This approach, coupled with our extensive experience in this area, means we can more easily negotiate the best possible terms for you.

Why choose L. F. E.  Insurance for your Insurance?

• Independent impartial advice and quotations
• Competitive premiums from a wide range of leading insurers
• Cover can be tailored to your needs
• Monthly payment facility
• Discounts available for good security
• Independent advice and help on your claims

Ring us today  on 0116 284 6090 for a competitive insurance quotation or if you require any information or advice

or click here to send us an online enquiry