Application for auto insurance denied, now what?
Has your application for car insurance been refused? That is obviously very annoying to be notified when you want to insure your (new) car properly. There are several reasons for an insurer to refuse your application. We will gladly explain these reasons as well as the points that insurers look at and tell you how you can still get a good car insurance .
What do insurers look for when applying for auto insurance?
Insurers pay attention to a number of points. For starters, this is the insurance history of the person applying for it. By checking the database of Stichting CIS, insurers can find out this information. In fact, the CIS Foundation keeps all important insurance information in their database. By retrieving this information, an insurer can estimate how likely you are to make a claim or the extent to which you fail to pay insurance premiums. So they actually estimate how much risk they run when they insure you. There are a number of factors that insurers look for:
Damage history
To see how much risk they may be at, insurers look at how many claims you have made. They retrieve this information from the Roy Data database. If you have made many claims in the past, this may be a reason for the insurer to refuse your application. This is because they assume that if you have made more claims in the past, this will also be the case in the future.
Do you have a criminal history?
They also look at your criminal record. If you have a criminal record, this is more likely to cause an application to be denied by an insurer, even if your criminal record has nothing to do with your driving. Someone with a criminal record poses too high a risk for insurers, because they assume that someone with a criminal record does not care as much about traffic rules or paying the premium. Many insurers consider the risk of insuring you too high because of this.
Do you have a negative payment history?
I forget to pay the insurance premium, this is often not a big problem for insurers right away. In that case, you will not be registered with Stichting CIS. You will first receive a payment reminder from the insurer. However, do you often fail to pay the premium (on time)? Then it is possible that the insurer will stop your car insurance. You will also be registered with the CIS Foundation. This registration can then be seen by every affiliated insurer forever. With this, there is therefore a good chance that all other regular insurance companies will refuse an application from you.
What is a driving disqualification?
A driving disqualification means that you are not allowed to drive a motor vehicle for the time being. A driving disqualification can be imposed on you for such things as driving under the influence, continuing to drive after an accident, if you have been speeding more than 50 kilometers per hour, or for driving without a valid license or during an imposed driving disqualification.
How long the period of driving disqualification lasts depends on the type and size of the offense. A driving disqualification can last a few days, as well as several weeks, months and sometimes even several years.
What can you do if you disagree with the insurance company's denial of your application?
First, it is good to know the insurer's reason for refusing the application. If you want to know what information is known about you in the CIS database, you can make a so-called inspection request to Stichting CIS. Do you think the registration with Stichting CIS is unjustified? Then you can submit a request for correction via Stichting CIS to the insurer that registered you. On a form, which can be found on the website of Stichting CIS, you can then indicate which data are incorrect and the reasons. CIS in turn passes this request on to the insurer concerned. The latter can accept or refuse this request.
If your CIS registration remains and you still do not agree, you can file a complaint with the insurer. Most insurance companies have a complaints committee where you can lodge your complaint. There is also the possibility of submitting your complaint to the Financial Services Complaints Institute. Finally, you can also take your complaint to court, but you should be aware of the high legal costs involved. If your CIS registration is (eventually) removed, you should in principle be able to purchase car insurance from an insurer again without any problems.
Has your application been denied? Then get car insurance through Alpina!
If your application for auto insurance has been denied elsewhere, you can always get auto insurance through Alpina. Our mission is to help you get good car insurance from a regular insurance company. Does that still fail? Then there is always the possibility to offer you an insurance at De Vereende. De Vereende is an insurer which has been established especially for special matters in the field of insurance. If you decide to take out an insurance policy with De Vereende, there are some extra costs involved. For instance, the premium is slightly higher than with other insurers, you have to pay the premium for the first three months in advance and you pay a deposit. These additional costs compensate for the high risk run by De Vereende.
You can easily calculate an indication of the cost of car insurance with De Vereende by using the online calculation tool. Then you can easily take out the insurance online. However, you should keep in mind that the purchased car insurance does not take effect until you have paid the first three months and the application form has been fully completed and signed and sent to you. So it will still take a few days before you are covered and the insurance takes effect.
Calculate your insurance premium online
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.