Which insurer can I get car insurance without a check?
A car insurance company has no duty of acceptance. This means that they may also reject your application for car insurance. They will not do this lightly, only if there is good reason. To find out if they will accept you as a policyholder, they will always do a check to see if you are registered with Stichting CIS. Stichting CIS keeps in their national database all kinds of data about consumers that are important to an insurer. Think for example of a criminal record or a driving disqualification, but also a (too) large number of claims. An insurer actually performs a standard check when applying for insurance. Car insurance without a check is virtually impossible. However, you can always contact insurance company de Vereende, even if you are registered in the database. On Alpina.nl we explain it to you.
Taking out De Vereende car insurance? Calculate your premium
Why do insurers check an application?
An insurer prefers to pay out as few claims as possible. Also because otherwise they have to increase the premium for their customers. So they prefer to have policyholders without problems, such as a history as a defaulter or a criminal record. That's why they do risk analysis. They look at how high the risk is that they will have to pay out compensation in the future. If you are registered with the CIS Foundation, chances are your application will be rejected. Getting car insurance without a check is not possible with almost any insurer. Therefore, knowing that you are registered can make it seem impossible to get car insurance. Fortunately, there are always options for insuring your car.
Taking out De Vereende car insurance? Calculate your premium
Get car insurance without a check through Alpina.nl at de Vereende
If you are registered with the CIS Foundation, chances are that a regular insurer will not accept you . However, you can always turn to an insurance company specially set up to insure special risks. Insurance company de Vereende has a broader acceptance policy, so your application will almost always be accepted.
The Vereende: underwriting requirements
The Vereende does have some underwriting requirements for underwriting.
- Your application for car insurance is not accepted by a regular company
- You must pay three months of premium in advance, even if you opt for monthly payments
- The insurance will take effect only after receipt of the initial premium and a signed application form
- You pay a deposit of €175.00. You pay this when taking out the insurance. When at the end of the insurance no damage has occurred, you get the full amount back.
Get instant car insurance through Alpina with the Vereende!
You can first use our online comparison module, which includes all regular insurance companies. After comparing, choose a company and go through the complete application. Always complete all underwriting questions truthfully. There is a chance that the company can still accept you on the regular rate. If your application is still rejected, we can always place you with the Vereende. You can also arrange your application for car insurance with the Vereende online. Do you have any questions or would you like to discuss your application? Then please contact us! You can reach us by phone at 030 - 688 37 00 or send us a message via chat, WhatsApp or Messenger.
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