Car insurance rejected: now what?

I have a criminal record what now?

With a criminal record , you are more likely to be denied car insurance, even if your criminal record has nothing to do with your driving. Insurers see someone with a criminal record as a heightened moral hazard. Here they assume that someone with a criminal record is less compliant with insurance rules. As a result, the risk of damage is too high for them and an application for car insurance will often be rejected.

Is insurance fraud a serious crime?

Insurance fraud is a serious crime, so insurers are reluctant to insure fraudsters. Often, when people think of the word fraud, they think of major crimes involving a lot of money. However, withholding information during an insurance application is also a form of insurance fraud. If you withhold (important) information from the insurer and the insurer finds out, your insurance will be immediately terminated or denied. Never do this, as insurance fraud can have serious consequences.

What happens to a default?

When you buy auto insurance, you have to pay the insurance premium every month. Of course, sometimes you may be late in paying. You will not immediately be registered as a defaulter, but will receive a reminder from your insurer, after which you can still pay the premium. However, when you structurally fail to pay the premium, there is a chance that your insurer will stop the insurance. The insurer will report this to Stichting CIS. This is then visible to all insurers, so there is a chance that your car insurance will be rejected.

Young drivers risk group?

A young driver with a fast car is also on an insurer's radar. Young drivers are considered a high-risk group anyway . Statistics show that, on average, young drivers are more likely to make claims than older drivers. This is mainly blamed on limited driving experience. Therefore, insurers often consider a young driver with a sporty, fast car too great a risk. Therefore, before buying a car, always check whether you can insure it. In this way you avoid that later you cannot insure your car with a regular company and thus pay much more premium with the Vereende.

Car long uninsured what now?

Another reason for rejection is a car that has been uninsured in your name for too long. This is because you are required by law to have at least third-party insurance for your car as soon as it is registered in your name. Even if you do not drive the car, it must still be insured. If your car has been uninsured in your name for more than 14 days, your car insurance may be rejected as soon as you apply for it. This is because many insurance companies do not want to insure a car that should have been insured a long time ago.

Can I report many damages?

You may be thinking: car insurance is there so you can claim damages from the insurer, right? This is true, but if you make a claim with great regularity, an insurer will set off alarm bells. Here they look especially at claims where legal assistance is important, such as theft or windshield damage. If you have filed a claim frequently, they assume you will do so in the future. This is a reason for the insurer to reject your application for auto insurance.

Rejected for your car insurance? Take out car insurance directly through Alpina with the Vereende

Has your application for car insurance been rejected? Then you can take out car insurance with the Vereende. De Vereende is an insurance company for insuring special risks. If regular insurance companies reject your application, the Vereende will accept it in most cases. This is due to their broad underwriting policy. The premium for car insurance is higher with the Vereende than with a regular company. This is because they run a higher risk by accepting you as a policyholder. So in return, there is a higher premium. Also, when you take out the insurance, you have to pay the first three months of premium in advance. You also pay a deposit, which you get back after the insurance is terminated.

Do you have questions about getting car insurance after a rejection? Then be sure to contact us so that together we can figure out the best car insurance for you. You can contact us by phone at 088-688 37 00. You can also send us a message via Whatsapp, Messenger or via chat.