What are acceptance questions?
Underwriting questions are questions that an insurer asks when purchasing auto insurance. Auto insurers do not have an underwriting requirement. That means they can decide for themselves whether or not to accept you as a policyholder. Now, they will not be so quick to turn down applications unless there is good reason. To get the best possible picture of exactly who the (potential) policyholder is, they therefore ask acceptance questions. Based on these questions, an insurer can decide to accept or reject your application. At Alpina.nl we list all the underwriting questions for you.
Car insurance acceptance questions
So before a car insurance company accepts your application, you must first answer some underwriting questions. These are questions about your car, insurance history and driver history. Each insurer asks roughly the same underwriting questions. They may be worded slightly differently for each insurer, but the gist is the same. Some insurers also don't ask all the questions, but only some of them. If you answer "yes" to any of the questions, you must explain. Based on your answers, the insurer will evaluate your car insurance application.
What acceptance questions are asked?
- Is your driving ability, or that of the regular driver, potentially affected by disability, illness or the use of medications?
- Do you, or the regular driver, have endorsements on the driver's license? (e.g., points license, endorsements regarding vision, hearing, epilepsy, prosthetics, violations or the like?)
- Have you, or any other party interested in this insurance, been in contact with police or justice in the past 8 years?
- In the last 8 years, has your, or any other stakeholder in this insurance, ever been cancelled, declined or offered insurance on restrictive or aggravating terms?
- Do you and the regular driver hold a license valid in the Netherlands to drive the insured motor vehicle?
- Have you or the regular driver ever been disqualified from driving in the past 8 years?
- In the past 8 years, how many claims have you, or any other regular driver, inflicted or suffered other than windshield damage?
- Is there, on the desired effective date, any damage to the object to be insured that you wish to claim on the requested insurance?
- Is the applicant (are you) the owner, license plate holder and driver of the vehicle?
- Has the vehicle been uninsured for more than 14 days since it was registered in your name.
Am I required to answer the underwriting questions honestly?
Yes, you are required by law to report all facts that may be relevant to an insurer's underwriting decisions. We call this duty to report. So you must always answer the underwriting questions honestly when buying auto insurance. Are you concealing information? Then an insurer has all kinds of ways to find out. They then have the right to terminate your car insurance. Moreover, they will make a report to the CIS Foundation, which also makes it difficult to take out car insurance with another regular insurance company. You then quickly end up with the Vereende, where you pay a much higher premium for your insurance. Not answering the underwriting questions honestly is considered insurance fraud. A CIS registration as a fraudster can have unpleasant consequences.
Take out car insurance directly on Alpina.nl!
Car insurance? On Alpina.nl you can insure your car in 5 minutes. You do this with our online comparison tool. So you can immediately compare the cheapest car insurance. When you have completed all steps you will get to the acceptance questions. Always fill these in truthfully. This way you will not have any hassle with the insurer and you can be sure that you can insure your car at normal rates. Do you still have questions or are the underwriting questions not clear? Then please contact us! We will be happy to help you.
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