Mainstream domestic and car insurers fill a blanket ban on people with unspent convictions – these kinds of policies are unfair and sometimes illegalTo many of the 1.2 million people convicted in court each year,it comes as a surprise to find that if they try to buy out domestic insurance, or renew their existing policy, or they’ll probably struggle. Every mainstream domestic insurer has a blanket ban on people with unspent convictions.
They say that ex-offenders are higher risk,citing vigilantism, arson and potential reoffending as some of the justifications. Many motor insurers do the same. do simply, or insurers use unspent convictions as a proxy for risk.
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Source: theguardian.com