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Car insurance rejected: now what?

An insurer has no duty of acceptance. So they may also reject your application for car insurance. However, they will not just do this, there must be a good reason. An insurer checks the application by looking for a registration in the CIS database. The CIS Foundation keeps all important insurance information in their database. This is how insurers try to determine how likely you are to make a claim or fail to pay the insurance premium. Based on this, they will accept or deny your application for auto insurance. Was your car insurance denied? At Alpina.nl you can always get car insurance from the Vereende, even if your application has been rejected by a regular insurance company.

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car insurance rejected

Reasons why a car insurance policy may be rejected

There may be various reasons why an insurer has rejected your application for car insurance. We list the most important reasons below:

What to do in the event of a driving disqualification?

Have you had a driving disqualification? Then you are not allowed to drive a motor vehicle for a certain period of time. You get a driving disqualification when you are under the influence of drugs or alcohol, when you drive more than 50 kilometres per hour too fast, when you drive on after an accident or for driving with a driving disqualification or an invalid driving license. The length of the driving disqualification depends on the number of kilometres per hour you drove too fast or the result of the breath test. It also depends on the severity of the offence. Even when your driving disqualification has been lifted, your car insurance may be refused.

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I have a criminal record what now?

With a criminal record , you are more likely to be refused car insurance, even if your criminal record has nothing to do with your driving. This is because insurers see someone with a criminal record as an increased moral hazard. They assume that someone with a criminal record is less likely to follow insurance rules. Therefore, the risk of damage is too high for them and an application for car insurance will often be rejected.

Is insurance fraud a serious crime?

Insurance fraud is a serious crime, so insurers are not keen on insuring fraudsters. When people hear the word fraud, they often think of major crimes that involve a lot of money. However, withholding information during an insurance application is also a form of insurance fraud. If you withhold (important) information from the insurer and the insurer finds out, your insurance will be immediately terminated or refused. Never do this, because insurance fraud can have serious consequences.

What happens to a default?

When you take out car insurance, you have to pay the insurance premium every month. Of course, it may happen that you are late in paying. In that case, you will not be registered as a defaulter immediately, but your insurer will send you a reminder, after which you can still pay the premium. However, when you structurally fail to pay the premium, there is a chance that your insurer will stop the insurance. The insurer will then report this to the CIS Foundation. This is then visible to all insurers, so there is a chance that your car insurance will be rejected.

Young drivers risk group?

A young driver with a fast car is also on the radar of an insurer. Young drivers are seen as a risk group anyway . Statistics show that young drivers on average cause more damage than older drivers. This is mainly due to the limited driving experience. Therefore, insurers often consider a young driver with a sporty, fast car to be too big a risk. Therefore, before you buy a car, always check whether you can insure it. In this way you avoid the situation that you cannot insure your car with a regular company and that you pay a much higher premium with De Vereende.

Car long uninsured what now?

Another reason for rejection is a car that has been uninsured for too long. You are legally obliged to take out at least a third-party insurance for your car, as soon as it is registered in your name. Even if you do not drive the car, it still needs to be insured. If your car has been uninsured for longer than 14 days, it is possible that your car insurance will be rejected when you apply for it. Many insurance companies do not want to insure a car that should have been insured a long time ago.

Can I report many damages?

You may think: car insurance is there so that you can claim damages from the insurer, right? That is true, but if you regularly submit a claim, alarm bells will go off for the insurer. They especially look at damages where legal assistance is important, such as theft or window damage. If you have often submitted a claim, they assume that you will do so in the future. This is a reason for the insurer to reject your application for car insurance.

Rejected for your car insurance? Take out car insurance directly through Alpina with the Vereende

Has your application for car insurance been rejected? Then you can take out a car insurance policy with De Vereende. De Vereende is an insurance company for insuring special risks. If regular insurance companies reject your application, Vereende will, in most cases, accept it. This is because of their broad acceptance policy. However, the premium for a car insurance policy is higher with Vereende than with a regular company. This is because they run a greater risk by accepting you as a policyholder. This is therefore offset by a higher premium. You also have to pay the first three months of premium when taking out the insurance. You also pay a deposit, which you get back after termination of the insurance.

Do you have questions about getting car insurance after a rejection? Please contact us so that together we can find the best car insurance for you. You can contact us by phone at 088-688 37 00. You can also send us a message via Whatsapp, Messenger or via the chat.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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