Denied car insurance due to drinking, now what?

Consequences for your auto insurance of drinking alcohol behind the wheel

When, after drinking alcohol, you have caused a car accident there are consequences. When you cause damage to another person, you are normally insured by one that pays for this damage. This WA insurance is required by law in the Netherlands, and in case of damage, your insurer is obligated to compensate you. However, sometimes a car insurance policy has an alcohol clause. This means that your car insurance company will pay the damage for the other party, but that you as the insured person will have to repay this amount to your car insurance company. It is important to look carefully at the policy terms when buying insurance, because not every car insurance policy has an alcohol clause.

Damage to your own car is not covered under third-party insurance anyway. When you have a WA + Limited Cascade insurance or an all-risk insurance different rules apply. In that case, damage to your own car is (partially) also insured. However, if you caused the accident while under the influence of alcohol, the damage to your own car will not be covered by the insurance and your insurer will not reimburse you. Even if you only knocked over a bollard, the repair costs to your car can be considerable.

If you have been arrested with an excessive blood alcohol level, you may be banned from driving. This means you will not be allowed to drive any motor vehicle for a certain period of time. You will have trouble getting new car insurance, even after your driving ban is lifted again. Getting a driving ban means you will be registered with the CIS foundation. The CIS foundation is an organization that keeps all the important data related to your insurance in a database. Access to this database is granted to all insurance companies and agents, and this database is checked each time you apply for insurance. This means that if you have a CIS registration, you will find very few regular insurers who will want to insure you.

How long will you remain registered in the CIS database after driving under the influence?

On average, a driving ban remains registered for about 5 years. Your CIS registration is automatically removed from the database after this period. Until then, you will probably not be able to get car insurance from a regular insurer. Your car insurance may also be denied if you have caused damage while driving under the influence of alcohol. Insurance companies will check with each new application to see if you have ever already been convicted of driving under the influence of alcohol. It is on that basis that they will decide whether or not to insure you.

If your car insurance was denied because of drunk driving you can still get insurance from Alpina

If the insurance of your car has been refused because you drove under the influence of alcohol, you can still obtain car insurance from De Vereende via Alpina. They are specialized in insuring what are then called 'special risks'. You can contact De Vere ende when the risk is considered too high for other insurers.

Please feel free to contact us if you would like to discuss this, or if you have any questions or comments. If getting car insurance is more difficult for you, we will be happy to help you get car insurance anyway. We can be reached via chat, messenger or whatsapp and you can also reach us by phone at 088-688 37 00.