Contents insurance terminated due to non-payment of premium: now what?
In the past (within the past 8 years), has household insurance been cancelled to you for failure to pay the premium on time? You should mention the cancellation with every application you make for new insurance. This is literally asked for in the underwriting questions: in the past 8 years, has insurance ever been cancelled for you?
You must also answer "yes" to that question when insurance has been cancelled to you for a moped and you want to apply for new insurance for a car. You also need to specify it when applying for contents insurance if, for example, moped insurance has been cancelled in the past for non-payment.
How come my insurance was cancelled by an insurer just like that?
Insurance is never cancelled by the insurer unexpectedly and without notice. Several reminders and demands for payment will be sent to give you the chance to still make the payments due. Unfortunately, it may happen that you are too late and that the insurer wants to terminate your policy or policies. According to the terms and conditions, an insurer may do this. Insurers call this an expulsion for non-payment.
The coverage of the vehicle is then also suspended and you are really no longer insured. The insurer will record this in its system and in your file.
Taking out household contents insurance? Calculate your premium
What are my options if an insurance policy has been cancelled for non-payment?
Unfortunately, in the case of past non-payment, most insurers have no way of insuring you. This is because insurers don't want to run the risk of you failing to pay the premium again in the future. This is where they have become very cautious.
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 quotation from De Vereende for the household insurance (and other insurances). After all, we always have a solution for you.
This insurer has a broader underwriting policy and accepts basically everyone, including past defaults. The condition is that you pay the first 3 months in advance.
You can only take out insurance with De Vereende 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 quote online.
Keep in mind that we will need details about your home and contents for this and that you have them ready.
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