Interview 29th July 2011- UNLOCK are
an independent charity that was setup by reformed offenders
with the vision of achieving equality for reformed offenders.
Their objectives include aiding those leaving prison with
the information and support they require for life on the outside,
whilst trying to create a better public opinion of reformed
offenders so that they integrate back into society and lead
crime free lives without the prejudices that they currently
encounter. Following our work with UNLOCK on Insurance and
Convictions: A Detailed Guide for Consumers, we have been
fortunate enough to interview Julie Harmsworth, the Deputy
Chief Executive and Directory of Policy and Research of UNLOCK.
To find out more click on the image below
With An Unspent Conviction: Is your Policy Valid?
expert warns of worthless insurance policies and asks, “Have
you read the small print?”
Cook, is highlighting the issue
of obtaining valid insurance with an unspent conviction. After
speaking with several groups of reformed offenders recently,
it is clear to Neil that many people are not declaring their
unspent convictions when taking out insurance.
I am hearing so often is that people with an unspent conviction
are confused about what they need to declare to their insurance
a conviction becomes spent is controlled by Rehabilitation
of Offenders Act 1974 (ROA). Under these regulations prison
sentences over two and a half years never become “spent”.
went on to say, “The problem is two-fold. First are those
people who have never been clearly asked about their unspent
convictions by the insurance agencies.
second problem is people are not declaring when asked because
they believe they will not be able to obtain affordable insurance.
Approaching the mainstream insurance companies, this is often
contracts operate under the principle of “good faith” which
puts the responsibility of declaring “material fact” such
as unspent convictions, directly on to the policyholder. By
not correctly declaring all unspent convictions, intentionally
or not, policies are effectively worthless.
you are not sure if you have informed your insurance provider
about all unspent convictions, it is worth double checking
the policy to ensure all unspent convictions are listed and
your insurance is valid. Discovering that the policy is void
on claiming is too late.” said Neil.
all material facts at the outset is best practice, even if
the insurance company does not directly ask about specific
unspent criminal convictions. While declaring unspent criminal
convictions does make obtaining insurance more difficult,
there are specialist insurance brokers who can provide affordable
operates Hard to Place Insurance, a specialist insurance placement
website and can help obtain insurance for many types of specialist
risks, including insurance with an unspent conviction.
by Neil Cook, Specialist Insurance Broker - Inside 'n' Out
CIC - Issue 12 - Hi All, Welcome to the 12th issue of Inside
‘n’ Out Magazine. We had so many articles in this ETE Special
that I have extended it from 16 pages to 20 pages.
listening to some of our readers we now have puzzles. Feel
free to print it as many times as you wish and forward on
to other colleagues, service users or anyone whom may be interested.
To comply with anti-spam law we now have to move our mailing
list to Mail Chimp.
have managed to add some of you but if you want to keep receiving
the magazine and other carefully considered news, please sign
up to our new mailing list by spending approx. 20 seconds
and clicking the link http://eepurl.com/j-P0f
This mailing list will close by
the end of June. If you change your mind after signing up
to the new list, you can unsubscribe with two clicks of the
Please remember that we are seeking to engage with our readers
and looking for feedback, articles, poetry, artwork, cartoons
or letters from both service users and staff. It is free to
submit and your chance to get your organisation and service
users talent out there! We are also looking for service users
involvement in their own area and voluntary opportunities
are available nationally. Contact me for further details.
I hope to hear from you soon - Regards to all Mark Clark Inside
‘n’ Out CIC (Inside
'n' Out CIC - Issue 12 Here)
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