What are acceptance questions?
Underwriting questions are questions that an insurer asks when purchasing auto insurance. Auto insurers do not have an underwriting requirement. That means they get to decide for themselves whether or not to accept you as a policyholder. Now, they will not be so quick to turn down applications unless there is good reason. To get the best possible picture of exactly who the (potential) policyholder is, they therefore ask acceptance questions. Based on these questions an insurer can decide to accept or reject your application. At Alpina.nl we list all the underwriting questions for you.
Car insurance acceptance questions
Before a car insurance company will accept your application, you must therefore answer a number of acceptance questions. These are questions about your car, insurance history and driving history. Each insurer asks roughly the same acceptance questions. They may be formulated slightly differently by each insurer, but the purport is the same. Some insurers do not ask all the questions, but only some of them. If you answer one of the questions with 'yes', you have to explain it. The insurer will assess your application for car insurance on the basis of your answers.
What acceptance questions are asked?
- Is your ability to drive, or that of the regular driver, possibly affected by a disability, illness or the use of medication?
- Do you, or the regular driver, have any endorsements on the driving licence (e.g. driving licence points, endorsements concerning vision, hearing, epilepsy, prosthetics, violations, etc.)?
- Have you, or another interested party with this insurance, been in trouble with the police or judicial authorities during the past 8 years?
- Have you, or any other person interested in this insurance, ever had an insurance cancelled, refused or offered against restrictive or aggravated conditions in the last 8 years?
- Are you and the regular driver in possession of a driving licence valid in the Netherlands for driving the insured motor vehicle?
- Have you or the regular driver been disqualified from driving in the last 8 years?
- How many damages, other than window damage, have you or another regular driver caused or suffered in the last 8 years?
- Is there, on the desired starting date, damage to the object to be insured that you want to claim on the requested insurance?
- Is the applicant (are you) the owner, holder of the registration certificate and driver of the vehicle?
- Has the vehicle been uninsured for more than 14 days since it was registered in your name?
Am I obliged to answer the underwriting questions honestly?
Yes, you are obliged by law to report all facts that may be important for the acceptance decisions of an insurer. We call this duty of disclosure. So you must always give honest answers to the acceptance questions when you take out car insurance. Are you withholding information? Then an insurer has all kinds of ways to find out. They have the right to terminate your car insurance. They will also report you to CIS, which makes it difficult to take out a car insurance with another regular insurance company. You will then quickly end up with De Vereende, where you will pay a much higher premium for your insurance. Not answering the acceptance questions honestly is seen as insurance fraud. A CIS registration as a fraudster can have unpleasant consequences.
Get instant car insurance at Alpina.nl!
Car insurance? At Alpina.nl you can insure your car in 5 minutes. You do this with our online comparison tool. This way you can immediately compare the cheapest car insurance. When you have completed all the steps you will get to the acceptance questions. Always fill these in truthfully. This way you will not have any hassle with the insurer and you can be sure that you can insure your car at normal rates. Do you still have questions or are the underwriting questions not clear? Then please contact us! We will be happy to help you.
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