Driving under the influence, possession of narcotics, many instances of speeding… These are just a few examples of offenses that can lead to a criminal record and have consequences on various aspects of your life, including your insurance policies.

Is It Possible to Take Out Insurance With a Criminal Record?

Did you know that your criminal record has a direct impact on your ability to obtain insurance and on the amount of your premium? In fact, many insurance companies refuse to insure people with a criminal record, as it is considered an aggravating factor.

But rest assured, even if it is more difficult to find home or vehicle insurance with a criminal record, there are solutions!

Finding an Insurer Despite a Criminal Record

To make your search easier and avoid numerous unsuccessful attempts, contact an independent insurance broker. At Assurance Multi-Risques, we work with several insurance companies specializing in criminal records. Your broker will take care of contacting insurers to find you the best possible coverage!

Your insurance premiums will, of course, be higher as there are fewer options available for this type of situation. The extent of your criminal record — type of offense, seriousness of the crime, or whether it is a repeat offense — will also have an impact on the amount of your premium and the coverage offered by your new insurer. Nevertheless, your broker will be able to find the right insurance policy for you and your family.

The Importance of Disclosing Your History to Your Insurer

When you have a criminal record, honesty is crucial. According to section 2408 of the Civil Code of Quebec, you are legally required to disclose to your insurer any information that could influence the assessment of your risk. Which obviously includes your criminal history.

Even if you are not asked directly if you have a criminal record, you have to mention it.
In addition, if you acquire a criminal record after signing your contract, you must notify your insurer to avoid termination, as mentioned in the 2466 article on the aggravation of risk.

A False Statement Can Cost You Dearly

Failing to disclose your criminal record can have serious consequences. If your insurer discovers that you have chosen not to mention your criminal history, they could invoke section 2410 of the Civil Code of Quebec for misrepresentation.

It is better to pay a higher insurance premium for valid coverage than to pay less for a home or vehicle insurance that ends up being worthless.

Obtaining Home Insurance With a Criminal Record

Whether for a primary residence, an apartment, or a rental property, insurance companies may refuse to insure you if you or someone living under your roof has a criminal record.

In fact, if you live with someone who has a criminal record, spouse or child, you are responsible for notifying your insurer, even if you don’t have a criminal record yourself. Some insurers will continue to insure you by applying a premium surcharge. They can also decide to cancel your contract, in which case you will have to turn to non-standard or substandard insurance.

Vehicle Insurance and Criminal Record: What Are the Impacts?

If you have been convicted of a hit-and-run or impaired driving offense, finding car insurance can be challenging. Similarly, a poor driving record with numerous speeding tickets or unpaid fines can result in your insurance application being denied.

What About Your Motorcycle?

While finding vehicle insurance with a criminal record can be difficult, it is even more so when insuring a motorcycle. If you have a car, most insurers specializing in criminal records will agree to insure your motorcycle along with your vehicle.

However, if you only have a motorcycle, insuring it can be more complex. Unfortunately, the few motorcycle insurers that accept criminal records offer very high premiums. The help of an insurance broker will be all the more useful in finding the coverage you need for your motorcycle.

Solutions That Suit Your Situation

Even though there are fewer options for people with a criminal record, there are still insurers who will be willing to cover you. The trick is to take a proactive approach and seek professional help.

A Few Tips to Make the Process Easier:

Obtain a copy of your criminal record

To speed up the process and demonstrate good faith, request a copy of your criminal record with the selective index from your local courthouse. It’s free, and most insurers will require it.

Prepare your SAAQ file

For vehicle insurance, have your up-to-date Société de l’assurance automobile du Québec file on hand. You can simply request a copy of your driving record from the SAAQ.

Be honest

Be completely transparent with your insurance broker. Explain in detail the events and circumstances of your criminal record. In some situations, it may help your case if you write a letter of explanation.

As brokers, we are not here to judge you, but to help you get insured!

Knowing your exact criminal history will allow us to get you home or vehicle insurance that meets your needs. Not to mention, it will save you a lot of trouble down the road!

Independent Brokers There for You

At AMR, we believe that everyone deserves a second chance. Our team is here to help you find insurance, regardless of your legal history. Our brokers are experienced in dealing with insurers who specialize in non-standard cases and can find solutions tailored to your needs.

They will be your best allies in defending your situation and ensuring you are well protected. Their role is to find you the best possible coverage, without judgment.

Trust our experts, for all your insurance issues!

Summary

It can be more difficult to find home or vehicle insurance when you have a criminal record, but it’s not impossible.

Some insurers specialize in non-standard insurance and will agree to cover you despite your criminal history.

The extent of your criminal record will have an impact on the amount of your premium and the coverage offered.

An insurance broker will be your best ally in helping you find insurance despite your criminal record. They will be able to defend your case and find coverage that is personalized according to your situation.