Contents insurance with criminal record
Have you been in contact with police/justice in the past 8 years? Do you have a criminal record? If so, you should mention this on any application you make for new insurance.
A traffic fine for running a red light or for speeding are not the things that are meant and will affect your insurance application.
However, you must always report the items below when applying for new insurance:
- A (conditional) disqualification from driving
- If you are (have been) suspected or convicted of:
- theft, embezzlement, deception, fraud, forgery or attempted theft;
- destruction and/or damage to property
- assault, extortion and deprivation, threat or other crime directed against the liberty or life of other persons or attempt to do so;
- violation of the Weapons and Ammunition Act, the Opium Act or the Economic Offenses Act.
Most insurers have no way of insuring you in the above cases.
What are my options in terms of contents insurance when I have a criminal record?
Unfortunately, as described above, if you have a criminal record, most insurers have no way of insuring you. Of course, it depends on what the reason for your criminal record is, but insurers are very careful about this.
Insurers get to decide who they want or don't want as a customer. Insurers have no duty of acceptance. Only health insurers are obliged to accept someone for basic insurance at all times.
However, we can request a no-obligation quote for your household contents (and other insurances) from De Vereende. We always have a solution for you. This insurer has a broader acceptance policy and in principle accepts everyone, even in case of non-payment in the past.
The condition is that you pay the first 3 months in advance.
Taking out household contents insurance? Calculate your premium!
How can I get contents insurance with a criminal record?
You can take out insurance with De Vereende only through an intermediary. For a no-obligation quotation you can contact us by telephone. At this moment it is not yet possible to request this quotation online.
Keep in mind that we will need details about your home and contents for this and that you have them ready.
How is the value of contents calculated?
To calculate the overall value of your household contents, you can use the household contents value meter. Often it also provides a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to make a notification to the insurer with every purchase to be appropriately insured.
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