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Car insurance cancelled by insurer: now what?

When you purchase car insurance, you are doing so for a certain period of time. You can cancel the car insurance yourself, under certain conditions. For example, because you have sold the car, because you want to switch to another insurer or because your current insurer has changed the premium or conditions of the insurance. But did you know that the insurance can also be terminated by the insurer? Of course they do not just do this, there has to be a good reason. An insurer does not have to wait until the expiration date of the insurance to do this. In certain situations, they may simply terminate the car insurance mid-term. At Alpina.nl , we explain when a car insurance policy is cancelled by an insurer.

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Reasons why car insurance is cancelled by insurers

There are various reasons that can cause an insurer to terminate a car insurance policy, for example if you:

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Car insurance cancelled: CIS registration

If your car insurance has been cancelled by the insurer, this will be noted in the database of the CIS Foundation. Other insurers can see this data and take it into account when assessing a new application. This makes it very difficult to take out a new car insurance with a regular insurance company. How long a CIS registration remains in the system depends on what has been registered. If it is a special report registration, your data will be kept for a maximum of 8 years. In other cases the registration will be deleted automatically after 5 years at the latest. During this period you will probably not be able to take out a regular car insurance policy.

How can I still get car insurance?

You are obliged to insure your car as soon as the registration number is in your name. But how should you do this if your car insurance is cancelled by the insurer? If no regular insurance company wants to accept you anymore you can always turn to De Vereende. De Vereende was founded especially for insuring special risks. Because of this they have a broader acceptance policy and will accept most applications. The premium for a car insurance policy with De Vereende is higher 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. Vereende also sets a number of conditions for taking out car insurance. For example, you have to pay the first three months' premium for the windshield and you have to pay a deposit of €175.

Get your Vereende car insurance through Alpina

Alpina is an intermediary of the Vereende. This means that through us you can take out car insurance with de Vereende. You can already calculate an indication of the premium online. Please note that an insurance with De Vereende can only take effect after you have paid the first premium AND after you have signed and returned the application form you received from us by e-mail. It may therefore take several days before you have coverage.

Do you have any questions about taking out a new car insurance after it has been cancelled by the insurer? Please contact us so that together we can find the best solution for you. You can contact us by telephone on 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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