What does provisional coverage mean for your car?
Within a few minutes you can purchase auto insurance on the Internet. Initially, you get provisional coverage. What exactly does that mean, and can the requested car insurance still be rejected? After applying for car insurance, the insurer may still review the application. After it has been approved, you will be sent the policy. This can be done in writing, but sending it by e-mail is increasingly common. Still, it is often desirable that the car insurance starts immediately. This is what the provisional coverage has been devised for. Immediately after applying for car insurance online, you will receive an e-mail confirming the application.
Car insurance with provisional coverage
Car insurance with provisional coverage means that you are fully insured. In principle, the car insurance has already started, but the final acceptance and the policy will follow. In the unlikely event that you already drive into damage during the provisional coverage, your car will be insured as usual. It can happen that your application for car insurance, after getting provisional coverage, is still rejected. In that case we will contact you to discuss the possibilities. It depends on the reason for rejection whether it makes sense to try to apply for car insurance with another insurer.
Provisional coverage is not always issued right away
After answering a few questions, insurance is already in place. Still, it's not always easy. Suppose you had a driving disqualification once. This can be a problem for getting car insurance. As a result, you may not get provisional coverage. This is because in that case the application must be reviewed by an underwriter from the insurer. The same also applies, for example, if you have a criminal record or negative loss-free years. In such cases, you will not receive provisional coverage immediately, but after review, you may still receive coverage.
Despite provisional coverage still being rejected
Basically, it is possible that you have been granted provisional coverage, but the insurer still rejects you for insurance. In practice, it is rare, but it is possible. What happens more often is that you get stuck in the online application already. In that case, the insurer contacts you to discuss options, or you are already rejected online or by mail. Depending on the reason for rejection, you can try with another insurer.
What if insurers don't want to insure your car?
In some cases it is more difficult to insure your car, but there are options even in that case. At Geennee.nl you can go for car insurance if you hit the wall with insurance companies. Your car needs to be insured, so something needs to be arranged. In an extreme case, you can turn to De Vereende. This is an insurer for hard-to-insure risks. You can also go to Geennee.nl to insure other motor vehicles, such as a motorcycle or a scooter.
No coverage possible: De Vereende
Is there no coverage available with your selected insurer? Your car must be insured. There are options even in that case. De Vereende possibly offers a solution. This is a company that does want to insure special risks, where regular companies drop out. The premium is higher than for regular car insurance. In addition, you often have a deductible with third-party insurance. The deductible must be paid in advance along with the premium.
Alpina is an intermediary of De Vereende. This means that through us you can take out car insurance with De Vereende. For insuring other motor vehicles you can also go there.
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