Car insurance refused: now what?

10 reasons for refusing car insurance

There are several reasons why an insurer may reject your application. Here we list the 10 most important reasons.

1. Default

Another important reason for refusal is if you are registered as a defaulter with a previous insurance company. Through a database, all insurers can consult whether you have already been suspended for an excessive period of non-payment. In this case, refusal will often result.

2. Damage history

A first and common reason for refusal is that your insurance history shows that you have already made repeated claims. In this, therefore, the insurer will rate you as too high a risk and consider your car insurance as denied.

3. Young driver with a fast car

Young drivers who like to take to the road in a sporty and fast car will also often encounter refusal. Insurers assume that young drivers with little driving experience and a fast car present an increased risk of accidents and consequently damage.

4. Driving disqualification or prohibition

People who have been banned from driving can also be refused when applying for car insurance. A driving ban indicates the non-compliance with certain traffic rules and this entails a higher risk of accidents.

5. A criminal record

Do you have a criminal record? Then this could be the reason your car insurance is denied. Your criminal record does not have to have anything to do with your driving. Insurers see someone with a criminal record as an increased moral hazard. This is because they assume that someone with a criminal record is less compliant with insurance rules. As a result, they consider the risk of damage, for example, too high and will reject an insurance application in most cases.

6. Fraud

If you have committed insurance fraud in the past it is registered in the CIS database. Fraud includes not only serious crimes, but also withholding information during an insurance application. If you withhold or distort information on an application and the insurer finds out, your insurance will be immediately terminated or refused. You will then be registered as a fraudster which will make taking out a new car insurance policy difficult.

7. Uninsured car is registered for a long time

In the Netherlands, it is a legal requirement to have at least third-party car insurance from the moment the car's registration number is in your name. So even if you do not drive the car, it must be insured. This can easily be checked by the RDW. If the car remains uninsured in your name for too long, you not only risk a fine but there is also a good chance that your application for car insurance will be refused. Many insurance companies do not want to insure a car that should have been insured long ago.

8. Inadequate security of your car

Certain brands of cars and expensive versions are prone to theft. You will have to secure these cars extra with an immobilizer or alarm system, for example. Is the security not according to the requirements of the insurer? Then this is a reason to refuse your car insurance. On this page you can read more about the security requirements for your car.

9. Your age

Your age can also be a reason for denial of auto insurance. This is sometimes the case with very young or slightly older drivers. Insurers do risk analysis. Research has shown that very young drivers more often cause damage, making the risk too great for the insurer. Therefore, the insurer charges a higher premium or even refuses the application.

10. Car insurance is refused, but the registration is incorrect

Your car insurance may be denied because of a CIS registration, but what if the registration is incorrect? If you suspect that your registration in the CIS database is incorrect, you can request a correction.

The car insurance is refused and now what?

The above are some of the reasons why your car insurance may be denied. Of course, there may be other situations why an insurer will not accept your application. There is no set list of conditions that someone must meet in order to apply for auto insurance. So it can happen that you may be denied by one insurer because of a past incident, but that this is not an obstacle to the application by another insurer. If you run into a refusal, you can check with a number of other companies to see if you can apply there.

Get auto insurance directly from Vereende through Alpina if you have been denied!

What if you have visited several insurers and insurance companies and your application is denied each time? In that case, you may be able to turn to the Vereende, a company created by several insurers specifically for people who are a high risk to the individual companies. The Vereende will accept car insurance in most cases, but the premium will be significantly higher than for regular car insurance. This higher premium is because of the higher risk. How high the premium is depends on a number of factors.

Also, you often have a deductible with third-party insurance. This excess must be paid in advance together with the premium. The Vereende will also assess per application whether it is accepted or not. In addition, additional conditions often apply when taking out insurance. Alpina is an intermediary for the Vereende. This means that with us you can take out insurance with the Vereende.