Criminal records Accessible insurance despite a criminal record
Having a criminal record shouldn't deprive you of adequate insurance protection.
At Covalen, we firmly believe that your past does not define who you are today. Our team of experts specializes in finding customized insurance solutions for people with a criminal history, always approaching each case with understanding and without judgment.
We work with a network of understanding insurers who believe in rehabilitation and offer options tailored to your current situation. Whether your record is new or old, minor or more serious, we're here to help you regain reliable, affordable insurance coverage.
Our expertise in insurance for people with criminal records enables us to help you protect what matters to you despite the obstacles. Let us help you take this important step towards security and peace of mind, providing you with a sense of relief and reassurance.
Challenges and solutions for insurance with a criminal record
Challenge : Systematic refusal by some insurers
Some insurance companies have strict policies regarding criminal history, which can lead to automatic refusals.
Covalen solution :
Nous travaillons avec un réseau d'assureurs spécialisés qui évaluent chaque dossier individuellement, en tenant compte de la nature de l'infraction, du temps écoulé et de votre situation actuelle.
Challenge : High insurance premiums
Insurance premiums can be significantly higher due to the perceived risk when granted.
Covalen solution :
We negotiate on your behalf for the best possible rates and offer strategies to reduce your premiums over time, such as defensive driving courses for car insurance.
Challenge : Limited coverage
Some insurers may offer limited coverage, leaving significant gaps in your protection.
Covalen solution :
We analyze your coverage needs in detail and work to find policies that offer adequate protection, combining different options if necessary to ensure comprehensive coverage.
Our expertise in insurance for people with criminal records
Customized solutions to protect your home despite a criminal record. We negotiate with understanding insurers to offer you adequate coverage.
Specialized options for drivers with criminal records. We find policies that keep you on the road legally.
Tailor-made cover for businesses run by rehabilitated people. We support your professional reintegration.
Specific solutions for rental owners with a judicial past. We secure your real estate investments.
Insurance challenges with a criminal record.
- Initial refusal : Many insurers categorically refuse to cover people with a criminal record, severely limiting the options available.
- High premiums : When coverage is granted, premiums are often excessively high, making insurance difficult to afford for many.
- Restrictive conditions : Policies often include very restrictive conditions, limiting adequate protection in the event of a claim.
- Thorough examination : Applications are subject to intense scrutiny, with lengthy and sometimes invasive underwriting processes.
- Probationary period : A long probationary period is often imposed, and the slightest claim may result in termination.
- Difficulty of change : Once insured, it becomes challenging to change insurers to obtain better conditions, creating a form of dependency.
Getting an insurance quote with a criminal record
At Covalen, everyone deserves a second chance and adequate protection. We've optimized our process to offer you the right coverage in just a few steps, even if you have a criminal record :
- Confidential, non-judgmental assessment : Contact Covalen for a thorough evaluation of your situation. Our experts will take the time to understand your background and current needs in complete confidentiality.
- Detailed description of your situation : Share the relevant details of your case: nature of the offence, date, rehabilitation measures taken, etc. The more we know, the better we can tailor our approach for you.
- Customized coverage options : Receive coverage options carefully tailored to your situation. We'll present you with several choices that consider your past while focusing on your present and future.
- Expert advice : Benefit from the expertise of our specialist advisors in complex cases. They'll guide you toward the best possible protection, considering the specific challenges associated with your case.
- Choose your peace of mind : Choose the solution that best suits you. With Covalen, you'll be well protected and supported in your reintegration process.
Ready to turn the page and secure your future ?
Don't wait any longer to get the protection you need and deserve.
It depends on the crime. Driving offences will have a more significant impact on auto insurance.
Potentially, especially if you are the principal owner or a key executive. Each situation is evaluated individually.
Consult a broker specializing in high-risk cases or consider non-standard insurance options.
Yes, but you may need a specialized insurer or pay higher premiums.
Demonstrate your rehabilitation, maintain a good credit record and consider anger management courses if applicable.
Probably yes. Premiums are generally higher for people with a criminal record.
Yes, it's crucial to be honest. Failure to disclose could invalidate your policy.
No, the impact varies according to the nature and seriousness of the crime, as well as the time elapsed since the conviction.
It varies, but generally for several years. Some insurers may reconsider after an incident-free period.
Yes, you can, but it can be more complex and costly. There are specialized insurers for these situations.
Talk to an expert today
Call us today for a free assessment of your insurance needs and find out how we can give you the peace of mind you deserve. We're here to help.
Fill out our online form.
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