What types of criminal records affect insurance applications most?

Fraud, theft, and dishonesty convictions typically have the greatest impact on insurance applications. Violence-related offences may also affect premiums, whilst minor motoring offences generally have less impact on public liability coverage.

How long do criminal convictions affect insurance applications?

Most insurers consider convictions from the past 5-10 years, though some may ask about your entire criminal history. Spent convictions under the Rehabilitation of Offenders Act may not need to be declared for some insurance applications.

Should I declare spent convictions on insurance applications?

Check the specific wording of the application. If it asks for 'unspent convictions only', you typically don't need to declare spent convictions. However, some insurers ask for all convictions regardless of rehabilitation status.

What happens if I don't declare a criminal record on my insurance application?

Failing to declare relevant criminal convictions could void your policy, meaning claims won't be paid. Insurers may discover undeclared convictions when processing claims, leading to policy cancellation and potential fraud allegations.

Can specialist brokers help with insurance for people with criminal records?

Yes, specialist insurance brokers who work with high-risk clients can often find suitable coverage where direct applications might be refused. They have access to insurers who specifically cater to applicants with criminal records.

Will having a criminal record always increase my insurance premiums?

Not necessarily. Minor, old, or unrelated convictions may have minimal impact on premiums. However, recent convictions for dishonesty, fraud, or violence typically result in higher premiums or policy exclusions.

What information do I need to provide about my criminal record?

You'll typically need to provide the date, nature of the offence, court details, and sentence received. Be prepared to explain circumstances and demonstrate rehabilitation through character references or completion of courses.

Online Accountant Services

Can I get public liability insurance with a criminal record?

Yes, you can often get public liability insurance with a criminal record, though insurers will assess each case individually based on the nature and timing of offences. While having a criminal record may affect your premiums or require specialist insurers, many providers still offer cover for businesses and self-employed individuals with past convictions.

By Jordan Macey MAAT Reviewed by Noor Fiaz Updated 3 Feb 2026 1

Article content is being prepared.

Need help with this for your business?

Book a free 20-minute call with one of our MAAT or ACCA qualified accountants. We will tell you honestly whether we can help.

203 5-star reviews

ACCA & AAT qualified

Set up in 24 hours

Need help with this for your business?

Read more of our Online Accountant Services guides