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Telling the full story

Did you know that if you have had any form of a criminal conviction you should disclose it when it comes to purchasing home insurance? Or any other type of insurance.

It may be a trivial matter to you but if it impacts on your insurance it could become a much bigger issue when it comes to making a claim. With holding information could make your policy null and void which is no good if you need it.

In some cases the conviction can be considered spent as a period of recovery will have taken place and usually after five years the offence can be written off. However, even after this period it's best to disclose this information as it still may affect your policies.

As it is home insurance, motoring convictions don't count but if you have been fined for any criminal conviction then this needs to be disclosed, no matter how trivial. Basically it is easier if you come clean immediately and it is your responsibility to bring it up rather than the insurer having to dig out the information from you.

Even if you have a clear conscience and are taking out the policy if anyone living under you roof has a conviction you need to tell your insurer. Remember, you don't want to give your insurer any excuse to not pay out in the event of a claim.

Taking out a policy on line by simply ticking boxes can also lead to accidentally giving the wrong information. It is easy to tick a box and not realise the implications. That is where Westhill Insurance comes in with its friendly team of advisors who are happy to talk to you about your needs.

Westhill believes in communicating directly with its customers and will even call you back to discuss your insurance if you visit www.westhill-home-insurance.co.uk and click on "we'll call you."

Home insurance is an area that Westhill specialises in and is ideally placed to help you out even if you do have a conviction.

This month Westhill is offering 10 per cent off all household policies taken out with them. On top of that, Westhill is also celebrating its 25th anniversary in insurance, and is offering free insurance to some lucky customers. For every 25 policies placed on cover with us, one will be chosen at random and refunded. Please click here and read more.

Westhill Insurance covers bike insurance, car insurance, van insurance, home insurance, business insurance, let property insurance, commercial insurance or even public liability insurance. It is willing to talk with you and come up with a tailor-made deal to suit. In the current climate of financial and insurance crisis Westhill Insurance understands the fear of dealing with a large impersonal, unaccountable organisation and sets itself apart as the broker you can speak to and trust.

For more information on Westhill Insurance or a quote, visit www.westhill-insurance.co.uk or call on 0844 371 7000 Mon – Fri 0900-1730 and Sat 0900-1300.

Posted on 28th August, 2009