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Insurance
If you aren’t sure if you need insurance or not, then you are not alone. So many…
24.08.2022
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Why Choose Us For Your Convicted Person Insurance?
We have been working in this area for years, so we understand the difficulties you face when trying to find insurance.
Livingstones Insurance is here to get you the cover you need and help you manage the costs at the same time, so get in touch today.
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Customer Rewards
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Customer Service
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
Monthly installments
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why would I need Convicted person Insurance?
Convicted Person Insurance FAQs
Most insurance companies believe that a convicted person is a higher risk and they are more likely to make a claim. Although this seems unfair, it is the reason that a lot of insurers won’t deal with convicted persons.
Any unspent convictions must be disclosed to the insurer when taking out the policy. Failure to do so usually results in cancellation of the policy and invalidation of claims. However, spent convictions do not have to be disclosed.
A conviction is spent once the rehabilitation period is over. You can use this calculator to see whether your convictions are spent or not. If they are not, you will need convicted person insurance.
With a standard policy, convictions should only affect your claim if you failed to disclose them. However, there is little to no chance that your claims will be invalidated due to failure to disclose when you take out convicted person insurance.
Only information relevant to your insurance policy will be kept on file and details of your conviction will not be shared with any other organisation. All information that is kept will be managed in accordance with data protection laws.
In most cases, the premiums for convicted person insurance are higher. This is due to the perceived increase in risk.
Working with Livingstones Insurance is the best way to find the right convicted person insurance policy at a price you can comfortably afford. Although you will usually have to pay higher premiums, there are always ways to make savings.
Benefits of Convicted Person Insurance
- Makes it easier for convicted persons to find the insurance they need
- Claims will not be denied due to convictions
- Policies will not be cancelled upon renewal due to convictions
- Policies will not be invalidated for reasons related to unspent convictions
- Work with experienced insurers
- Amazing customer service
- 24/7 dedicated claims line
- Low cost policies
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