Car insurance after default

Get car insurance for defaulters

Are you known as someone who doesn't pay on time? If you want to get new car insurance, you have to answer questions about previous policies. For example, one such question is, "Has insurance ever been denied or cancelled? If you answer "Yes" to this question, your application will probably be rejected.

Failure to fulfill contractual obligations is heavily charged by insurers. There is no point in keeping quiet about it. This is because most data is stored in a database available to all insurers. In addition, you are committing fraud if you do not fill in the questions you are asked truthfully.

Still, Alpina does offer options for car insurance after default.

The consequences of defaulting on your car insurance

It can happen to anyone that you forget to pay your car insurance premium on time.
Perhaps there is not enough money in your bank account at that time, causing you to miss payment. Do you fail to pay once or pay too late? Then you are not immediately considered a defaulter.

Does the payment remain outstanding for a longer period of time? Then this can have consequences for the future. It is more difficult to compare different insurance policies because not every insurer accepts you as a defaulter.

Suspending your insurance

First, you get a payment reminder from the insurer that the premium has not yet been paid. After the first reminder, you get a second reminder and then perhaps another reminder.

Are you 30 days late in paying the premium? Then the insurer can suspend your car insurance.

This does not yet terminate the insurance, but "freezes" it. This means that from that moment on you are no longer insured and are considered a defaulter. It is also registered with the RDW that the car is no longer insured. Do you still pay? Then the insurer will reinstate the car insurance on the day of payment or one day after the payment.

If you are 50 days or more late, the insurer may decide to cancel your auto insurance. If this happens, you are no longer insured. The insurer will also try to collect the premium amount through a collection agency.

Pay your overdue premium first

Are you still in arrears with your insurer? Of course, you must always pay the overdue premium. This is because you have a financial obligation when you take out insurance. Don't you do this? Then the insurer can terminate the insurance unilaterally. This is usually also stated in your policy conditions.

Expelled from your car insurance due to non-payment

To cancel literally means to terminate or discontinue unilaterally. An insurance company has the right to cancel an insurance policy under certain conditions if you fail to pay. The insurer can cancel in these situations:

• In case of default.
• If you committed fraud.
• In case of too many damage reports.

Has your car insurance been cancelled by the insurer based on any of the above reasons? If so, you risk a CIS registration and have a chance that your car insurance will be denied with another company.

Car insurance with a CIS registration.

The Central Information System (CIS) is a system in which data is registered about consumers. You can be registered with the CIS foundation when you have filed a claim with your insurer. The question of guilt is not important here. You can also be registered when you have committed fraud when claiming a loss.

Insurance companies can consult CIS to obtain, store and exchange information about their customers. What the insurer then does with the information varies from case to case and company to company.

Usually, with a CIS registration you are not accepted by a regular company. For example, if you want to take out car insurance and you are not accepted by a regular company, you can still take out insurance with the Vereende.

Taking out insurance with the Vereende

De Vereende is a company that insures special risks when ordinary insurers do not. De Vereende always accepts car insurance, but the costs are higher than with ordinary insurers. Also, you often have an excess with third-party insurance. This deductible must be paid in advance along with the premium. You usually pay the premium a quarter or six months in advance.

Is there a blacklist among insurers?

People often think they are on an insurance 'blacklist' for too many claims or not paying insurance premiums. No such insurance "blacklist" exists.

There is always a solution for new car insurance

Are you a defaulter? Then we always look with you for a possible solution. We first try to transfer the insurance to a regular insurer with whom we work. Is this not possible? Then you can apply for insurance with De Vereende.