Home insurance has been refused: what now?

Can I just be refused a building insurance?

Of course, the insurer does not draw conclusions just like that. If you fail to pay once, the insurer does not immediately regard you as a defaulter. Perhaps you have just had a month with a lot of big expenses, as a result of which you cannot pay the premium on time. Or you have just moved house and the bill has slipped your mind. Most insurers do not make a fuss about this. You will initially receive a reminder, after which you can still pay the insurance premium. However, if you still do not pay after several warnings from the insurer, the insurer will consider you to be in default. Then the insurer will see you as a defaulter. The insurer will then register you with CIS. With a CIS registration your application for a building insurance will almost certainly be refused.

CIS registration

CIS stands for Central Information System. Stichting CIS stores all important insurance data in their national database. They register, for instance, when someone has committed fraud or has driven a damaged vehicle without insurance. This data is important for insurers, because it is one of the bases on which they decide whether to accept or refuse an insurance application. Affiliated insurers and proxies can place data in the database. The purpose of the database is to make any risks for insurers manageable and to prevent fraud as much as possible. People sometimes talk about a so-called black list, but such a list does not exist. What is meant here is the CIS database.

If you are registered in the CIS database, this can have major consequences for your (future) insurance policies. Before an insurer accepts an application for a building insurance, they always check whether the applicant is registered with CIS. If this is indeed the case, there is a chance that the insurer will reject your application. An insurer may refuse your application because they think you pose too great a risk with a CIS registration. Taking out building insurance with a regular insurance company then becomes difficult.

How can I take out buildings insurance with a CIS registration?

If your building insurance is refused because of a CIS registration, you can in fact only turn to the insurance company de Vereende. De Vereende was founded especially for insuring special risks. They have a broader acceptance policy and can therefore insure almost anyone. Bear in mind, however, that with Vereende you pay a higher premium than you might be used to. This is because Vereende runs a higher risk when insuring persons with a CIS registration. There must be something in return. That is why you also have to pay three months of premium in advance and you pay a deposit.

Take out home insurance with the Vereende through Alpina

Has your application for building insurance been refused? Via Alpina you can still take out a home insurance policy with the Vereende. We are an intermediary of de Vereende, as a result of which we can advise you well in effecting the insurance. We are the only company in the Netherlands where you can calculate an indicative premium for your home insurance. For this you can use our handy online comparison tool. After filling in some personal data, you will get an indication of the monthly premium.

Read also:

• Home contents insurance has been refused: what now?
• My car insurance is refused, what now?
• Contents insurance with CIS registration