Car insurance denied

Are you registered as a defaulter with a previous auto insurance policy? This often leads to a denial. All insurers can see in a database if you have been suspended before because of a negative payment history.

If you think you are wrongly registered as a defaulter, you can submit a correction request to have this information updated.

Have you filed claims with your insurance company before? Claims in recent years weigh heavily in the evaluation of your application. An insurer sees you as a greater risk in that case. This is because they think you will do so again in the future.

For this, the insurer looks in the Roy Data database. If the insurer thinks the risk is too high, you won't get car insurance.

Caught driving under the influence? Then a driving banoften follows and your insurer will terminate your current policy. With a new application, your alcohol history is always taken into account.

Are you a young driver and like to drive a sporty, fast car? Then you often don't get insurance. Insurers find that little driving experience and a fast car together make you more likely to have accidents.

Moreover, if you have an expensive car, insurers see this as an additional risk, so as a young driver you often pay a higher premium or even get rejected altogether.

Have you ever had a driving disqualification or driving ban? If so, it is often more difficult to get auto insurance.

A driving ban means that you have not obeyed traffic rules, increasing the likelihood of accidents. A driving ban usually remains registered for about 5 years.

Do you have a criminal record? Insurers see you as an increased moral hazard. Even though your criminal record has nothing to do with your driving. This is because insurers assume that someone with a criminal record does not obey the rules properly and is therefore more likely to drive into harm's way.

Have you committed insurance fraud in the past? This is recorded in the CIS database. Fraud is recorded by insurers in various databases, such as CIS and Roy-data, so that claims and insurance data can be consulted centrally.

Fraud includes not only serious crimes, but also the concealment of information during an insurance application.

If you withhold or distort information in an application and the insurer discovers this, the insurer will immediately stop or refuse your insurance and you will be registered as a fraudster.

This makes it difficult to get new car insurance.

In the Netherlands, it is a legal requirement to have at least third-party car insurance from the moment the car's license plate is in your name. If you do not drive the car, it must always be insured. The RDW checks this easily.

Has your car been uninsured in your name for too long? Not only do you risk a fine, but chances are that an insurer will refuse your application for car insurance.

Certain car makes and expensive versions are prone to theft. Some cars are especially attractive to thieves and therefore require additional security measures.

You need to secure these cars extra with an immobilizer or alarm system, for example. Is the security not according to the insurer's requirements? This is a reason to refuse your car insurance.

Your age can be a reason for denial of auto insurance. This is because your personal situation such as age and driving experience affects your chances of being accepted.

Research shows that young people and very old drivers are more likely to cause damage. This makes the risk too high for the insurer. The insurer charges a higher premium or sometimes even refuses your application.