Holiday Home EPCs: What Every Property Owner Needs to Know
March 23, 2026
Owning a holiday home is a brilliant investment, but it comes with its fair share of admin. One question that often trips owners up is:
With well over 25 years of experience in the insurance industry, Policy Powerhouse helps people find cover when things aren’t straightforward. If you’ve struggled to get home insurance due to a criminal conviction, you’re not out of options.
We specialise in insurance that doesn’t fit the mould, taking a more flexible approach and considering your full circumstances. Our intelligent, easy-to-use platform lets you quote and buy online in minutes. And if your situation is a little more complex, our experienced team is ready to help.
We work with providers experienced in non-standard construction.
Policies designed around your property’s specific risks.
Options available if you’ve been refused elsewhere.
While some standard insurers may decline, we take a more flexible approach,
assessing your situation as a whole rather than focusing on a single detail.
When you may be accepted
Acceptance is often more likely if:
● Your conviction is older or no longer needs to be disclosed
● The offence is considered lower risk
● Your overall circumstances are stable
● Your property details are straightforward
● There are no additional risk factors affecting your application
When it can be more difficult, and why
It can be more challenging if:
● The conviction is recent
● The offence is linked to higher-risk categories (e.g. dishonesty-related)
● There are multiple convictions
● You have an increased overall risk profile
To help you get the right cover, we’ll ask a few simple questions. This ensures your policy fits properly and that everything is accurate if you ever need to make a claim.
Unspent vs spent convictions
Unspent convictions usually need to be declared, as they’re still legally relevant. Spent convictions often don’t need to be disclosed, but this can vary depending on the policy. If there’s any uncertainty, it’s important to check before proceeding.
If it’s someone else in the household
We may also ask about convictions relating to other people living in your home, especially if they’re financially linked or included on the policy.
What happens if you don’t disclose correctly
If key information isn’t disclosed, it could affect your policy’s validity or lead to issues if you need to make a claim. We rely on accurate details, so being transparent from the start helps protect you and avoids problems further down the line.
No two situations are the same, which is why we can consider a range of conviction types, helping more people access cover that might otherwise be out of reach.
Examples of sentences/convictions commonly asked about
We may ask about convictions we consider relevant to risk, such as offences involving theft or fraud. The exact criteria can vary depending on the policy, so if you need a more detailed breakdown, just speak to our team.
What details can affect your premium
Premiums are influenced by several factors, including the type of conviction, how recent it is, and whether there have been multiple offences. We’ll also look at your wider profile, such as your property, claims history, and overall risk level.
We’ve made getting covered as simple and quick as possible, because insurance shouldn’t be a drawn-out process.
Online quote
Our platform uses data enrichment and intelligent matching to generate quotes in minutes. With minimal input, you can move from quote to cover quickly, without the usual back-and-forth or complicated forms.
Phone/callback option
Prefer a human touch? No problem. Our team is available to talk things through, explain your options clearly, and help you put cover that suits your needs in place. It’s straightforward, supportive, and focused on what works for you.
Home insurance in these circumstances typically includes the same core protections as standard policies. The exact cover depends on the options you choose, so it’s always worth reviewing the details carefully.
Buildings insurance
Buildings insurance covers the physical structure of your home, including permanent fixtures like kitchens and bathrooms. It’s designed to protect against events such as fire, flood, and storm damage, helping cover repair or rebuild costs if something goes wrong.
Contents insurance
Contents insurance looks after the items inside your home, from furniture to electronics and personal belongings. Depending on the policy, it can cover risks like theft, fire, or accidental damage, giving you reassurance that your possessions are protected.
Exclusions can vary depending on the policy terms. This may include certain risks, like undisclosed information, or specific circumstances linked to your conviction. As cover can differ, it’s important to check the details carefully or ask if anything is unclear.
We specialise in more complex situations, including criminal convictions, offering
cover where many standard insurers won’t. This means you’re not left without options when things don’t fit the norm.
Request a quote today to secure appropriate cover for your property and avoid gaps in protection.
We don’t usually carry out formal criminal record checks, but we rely on the information you provide. In some cases, background or fraud-prevention databases may be used, so it’s important to answer all questions honestly to ensure your policy remains valid.
In many cases, spent convictions don’t need to be disclosed. However, this can depend on the policy terms. If you’re unsure, it’s best to check so you’re providing the correct information.
Unspent convictions must generally be disclosed until they become spent under relevant legislation. The timeframe varies depending on the offence, so if you’re unsure, check before applying to make sure everything is accurate.
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