Since April 2013 you no longer have to declare any 'unspent criminal convictions' when applying for insurance. Your insurance company has to ask the necessary questions to work out if they can provide insurance for you. Insurers say they want to know about convictions because they could affect how much you're charged for your insurance, or whether you get cover in the first place. The reason some convictions are relevant is obvious, but with others it's far less clear, for example:
Fraud and arson are two convictions that household insurers will be particularly concerned about. However, they may also decide to charge you a higher premium if you've been convicted of assault because of the increased risk of reprisal attacks.
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Cover your contents
Home insurance will cover you for your belongings within your home up to a certain value. You can also get extra protection for valuable items or items that you take out of your home.
So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.
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