Business Details
22 Years
experience
Specialist Insurance for Criminal Convictions & Adverse Histories
We specialise in providing essential insurance cover to UK citizens who have faced challenges in obtaining standard insurance due to factors such as unspent criminal convictions, insolvency, or voided policies. Our team has over 15 years of experience supporting individuals and businesses in securing tailored, compliant insurance solutions. We collaborate exclusively with insurers registered with the Financial Conduct Authority (FCA), ensuring protection under the Financial Services Compensation Scheme. Our commitment extends beyond insurance, as we actively support social enterprises and community initiatives to drive positive change. 
Services
Motor Insurance
Home Insurance
Public Liability Insurance
Professional Indemnity Insurance
Unoccupied Property Insurance
Travel Insurance
Shop Insurance
Office Insurance
Motor Trade Insurance
Details
- Year established: 2004
Highlights and features
- 16+ years specialising in insurance for criminal convictions and adverse financial history
- Partnerships with FCA-registered insurers like Aviva and Lloyds of London
- Non-judgmental, transparent service for ex-offenders and those in IVA/bankruptcy
- Support for self-employed ex-offenders seeking public liability insurance
- Award-winning CSR initiatives supporting prisoner rehabilitation and community projects
Associations and certifications
- Prudential Regulation Authority
- Financial Conduct Authority
What people say
Excellent service
Non-judgmental support
Competitive premiums
Quick responses
Knowledgeable advisors
Services
Motor Insurance
Tailored motor insurance for drivers with criminal convictions, including high-risk cases. Our brokers work with specialist insurers to secure competitive premiums, ensuring legal compliance and protection. Ideal for those refused standard coverage due to adverse driving or non-motoring convictions.
Home Insurance
Comprehensive home insurance for individuals with adverse financial histories or convictions. Policies include buildings and contents coverage, with flexible options for unoccupied properties or those in rehabilitation. Supported by FCA-regulated partners to ensure reliability and fair terms.
Public Liability Insurance
Essential cover for businesses facing challenges due to criminal records or insolvency. Designed for self-employed individuals and SMEs requiring liability protection to trade safely, offering tailored solutions with insurers accepting non-standard applications.
Professional Indemnity Insurance
Protection for professionals with adverse histories needing indemnity insurance. Supports consultants, freelancers, and firms in sectors like legal or financial services, ensuring compliance and risk mitigation for client-related claims.
Unoccupied Property Insurance
Specialised insurance for vacant properties, including those with complex ownership or legal backgrounds. Covers risks like vandalism or water damage, tailored for landlords or individuals unable to secure mainstream unoccupied property policies.
People
David Tarry
Advisor
16+ years in specialist insurance, renowned for securing complex motor and home policies. Praised for empathy, professionalism, and personalized support for clients with adverse histories.
James Wilkinson
Insurance Broker
Experienced broker with expertise in criminal conviction and bankruptcy cases. Known for clear communication, competitive quotes, and dedicated client service across motor, home, and business insurance.
Vicki Miller
Advisor
Supports clients in securing sensitive insurance requirements. Recognised for patience, market knowledge, and tailored guidance for those with unspent convictions or financial challenges.
Helen Bennet
Insurance Specialist
Delivers expert home and business insurance solutions. Appreciated for thoroughness, clarity, and non-judgmental approach when handling cases involving criminal records or adverse credit histories.
Stephen
Underwriter
Experienced underwriter with a focus on urgent public liability and fleet policies. Commended for responsiveness, technical knowledge, and commitment to finding coverage for high-risk clients.
Questions
Does Sale Insurance Ltd cover individuals with criminal convictions?
Yes, we specialise in providing insurance for those with unspent convictions, ensuring fair access to motor, home, and business policies through our FCA-registered partners.
How do you help clients with adverse financial histories?
We partner with insurers accepting applications from those in bankruptcy, IVAs, or with voided policies, offering tailored solutions without discrimination based on past financial challenges.
What sets your insurance services apart from competitors?
We focus exclusively on underserved markets, combining 16+ years of expertise with a non-judgmental approach, direct client communication, and partnerships with specialist insurers like Lloyds of London.
Can I get business insurance if I have a criminal record?
Yes, we provide public liability, professional indemnity, and commercial policies for businesses owned by individuals with convictions, ensuring compliance and operational continuity.
Do you offer support for urgent insurance needs?
Our team prioritises urgent cases, such as immediate cover for vehicles or businesses, with advisors available to fast-track applications and policy implementation.
Are your insurance prices competitive despite specialist focus?
We actively negotiate competitive premiums through extensive insurer networks, often securing lower rates than mainstream providers for clients with complex histories.
