Landlords risk being unable to claim on their home insurance if they do not disclose their tenants' past convictions, an insurance expert has said.

Michael Portman, managing director at Let Insurance Services, commented: "Most rent and legal insurance policies will restrict cover for any claims where there is a problem or omission that the landlord or agent ought reasonably to have known."

He explained that it is "imperative"that strict referencing was done to check a tenant's information.

Mr Portman stated that home insurance could be invalidated if landlords fail to mention a conviction.

But he added that if a formal process of referencing could be shown then insurers were likely to accept the claim.

This comes after the Association of British Insurers revealed that almost one-quarter of Brits had not renewed or cancelled their home insurance in the last year to save money.

Sainsbury's Home Insurance also showed that the number of home insurance claims had fallen by 29.2 per cent in the last year.ADNFCR-2002-ID-19414598-ADNFCR

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