Car insurance after driving disqualification

When do you get a driving disqualification?

If you get a driving ban, it means that you are not allowed to drive a motor vehicle for a certain period of time. This applies to ALL motorized vehicles, not just cars. You can be banned from driving for a few days, weeks, months or even years. The police, a prosecutor or a judge can impose a driving ban.

These are the reasons and situations for which you can get a driving ban:

• Driving under the influence of too much alcohol or drugs
• Driving on after (causing) an accident
• Driving more than 50 kilometres per hour too fast
• Driving while disqualified or with an invalid driving licence

Concealing your driving disqualification makes no sense

An insurance company does not know in advance if you have had a driving record. That's why you have to answer some questions about your past when taking out auto insurance. Including a question about whether you have ever had a driving ban. If you indicate that you have previously had a driving ban, your application will likely be rejected.

It makes no sense to hide your driving record with your application. If you give false information to the insurer, you are committing insurance fraud. Also, you are actually driving around uninsured because the insurance is based on incorrect information. Even if you have current insurance on paper and pay your premium on time, the insurance is not valid.

CIS registration after driving disqualification

It is important to be honest about a previous driving disqualification when applying for auto insurance. If you lie about this, it will be harder to get insurance later. In fact, insurance companies have a system that allows them to see if someone has had a driving disqualification.

If it turns out you lied about this, a "fraud alert" will be added to your name. We call this a CIS registration. CIS is the abbreviation of "Central Information System Foundation. This foundation is for all insurers and proxies. The CIS manages important information for insurers. This report is visible to all insurers. For you, this means that it may later be more difficult and expensive to obtain ordinary car insurance.

Getting car insurance after a driving disqualification

Fortunately, a driving disqualification does not always mean that you can no longer get insurance from a regular company. Ordinary insurers may still accept your application. This depends on how long, when and why the driving disqualification is.

When buying a new car insurance policy, it's best to use our online comparison tool. Fill in all the questions honestly and you will immediately see if your application is accepted by a company. Is the application not accepted? Then you can still take out insurance with the insurance company De Vereende.

Car insurance after a driving disqualification with the Vereende

Can't get insurance anywhere else? You can take out insurance with the Vereende if you have been banned from driving. The reason for refusal does not matter to the Vereende. Every insurance application is accepted. Also when, for instance, you have a criminal record, have driven many damages in a short period of time or after non-payment.

What is the Vereende?

De Vereende specializes in insurance for people who are more at risk. This does mean that the premium is higher.

The Vereende has a few conditions for buying insurance:

• You pay the premium at least 3 months in advance, even with monthly payments.
• The insurance only takes effect after receipt of the first premium AND a signed application form.
• In most cases, De Vereende additionally charges a deposit averaging €175.00. This must be paid in advance. When there has been no damage at the end of the insurance, you will be refunded this amount.