Reformed offenders can experience difficulty in arranging insurance. Delite Insurance Agency can help you overcome the challenge of arranging insurance even if you or anyone living with you has unspent criminal convictions.
Unspent Criminal Convictions
Unspent criminal convictions are material facts and they must be declared whether you are asked to declare the information or not. The issue you will get is that as soon as you declare a criminal conviction most insurers have no interest in offering cover.
However, Delite Insurance Agency offers a unique approach required to arrange insurance for you. We look at your current circumstances rather than looking at your past and offer cover for a wide range of insurances such as commercial, home and motor insurance.
Most sentences have ‘rehabilitation periods’ which start from when you were first convicted.
However, as a sentence of 30 months or more is never considered spent this can affect you for the rest of your life when obtaining insurance.
|SENTENCE||ADULT (18+) AT CONVICTION / DISPOSAL||YOUNG PERSON (u18) AT CONVICTION / DISPOSAL|
|Prison inc. suspended sentences||Over 4 years or a public protection sentence||Never Spent||Never Spent|
|Prison inc. suspended sentences||More than 30 months and less than (or equal to) 4 years||Full Sentence +7 Years||Full Sentence +3.5 Years|
|Prison inc. suspended sentences||More than 6 months and less than (or equal to) 30 months||Full Sentence +4 Years||Full Sentence +2 Years|
|Prison inc. suspended sentences||Less than (or equal to) 6 months||Full Sentence +2 Years||Full Sentence +18 Months|
|Community Order / Youth Rehabilitation Order||Full Length of the Order + 1 Year||Full Length of the Order + 6 Months|
Delite Insurance Agency
20 Jeffery Street
Kent ME7 1DE
WHY CHOOSE US
Flexible policy cover
Full range of insurance products
Independent advice from experienced professionals
Swift and simple quotation process
Friendly and personal service
With our long-standing expertise in home insurance, particularly with unoccupied homes, we pride ourselves on the excellent service we deliver to all of our clients.