What does provisional cover for your car mean?
Within a few minutes, you can take out a car insurance policy on the Internet. Initially, you get provisional cover. What does this mean exactly and can the requested car insurance still be rejected? After applying for car insurance, the insurer will evaluate the application. After the application has been approved, the policy will be sent to you. This can be done in writing, but sending it by e-mail is becoming more and more common. However, it is often desirable for the car insurance to start immediately. The provisional cover is there for that purpose. Immediately after applying for car insurance online, you will receive an e-mail confirming your application.
Car insurance with provisional cover
Car insurance with provisional cover means that you are fully insured. In principle, the car insurance has already started, but the final acceptance and the policy still follow. In the unlikely event of damage during the provisional cover, your car is still insured. It may happen that your application for car insurance is rejected after you have received provisional cover. In that case, we will contact you to discuss the possibilities. It depends on the reason for rejection whether it makes sense to try to apply for car insurance with another insurer.
Provisional cover is not always issued immediately
After answering a few questions, the insurance is already in place. However, it is not always easy. Suppose you have had a driving disqualification. This can be a problem for getting car insurance. Because of this you might not get provisional coverage. In that case, the application has to be evaluated by an acceptor of the insurer. The same applies, for example, if you have a criminal record or negative claim-free years. In such cases you will not immediately receive provisional coverage, but after assessment you may still receive coverage.
Being rejected despite the provisional cover
In principle, it is possible that you have received provisional cover, but the insurer still rejects you for the insurance. In practice, this is rare, but it is possible. What happens more often is that you get stuck in the online application. In that case, the insurer will contact you to discuss the options, or you will be rejected online or via an e-mail. Depending on the reason for rejection, you can then try another insurer.
What if insurers don't want to insure your car?
In some cases it is more difficult to insure your car, but there are also possibilities in that case. GeenNee.nl is the place to go for car insurance if you run into a brick wall with insurers. Your car needs to be insured, so something needs to be arranged. In an extreme case, you can turn to De Vereende. This is an insurer for risks that are difficult to insure. You can also go to GeenNee.nl to insure other motor vehicles, such as a motorbike or a scooter.
No coverage possible: De Vereende
Is there no coverage available from the insurer you selected? Your car must be insured. There are possibilities in that case too. De Vereende may offer a solution. This is a company that is willing to insure special risks, where regular companies drop out. The premium is higher than for a regular car insurance. In addition, you often have an own risk with a third-party insurance. The excess has to be paid in advance together with the premium.
Alpina is an intermediary of De Vereende. This means that through us you can take out car insurance with De Vereende. You can also insure other motor vehicles there.
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