Getting Car Insurance with a Criminal Record
It is possible to purchase car insurance even if you have a criminal record. You can purchase car insurance through De Vereende. However, the premium is higher than for standard car insurance, and there are additional conditions.
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Getting Car Insurance with a Criminal Record
Was your insurance application denied because of your criminal record? Or was your application denied by your insurer for another reason? You can still try to get insurance from a traditional insurance company. But this will likely be very difficult.
Having a criminal record is considered a special risk by mainstream insurers. It says something about a person’s reliability and credibility.
Car Insurance for People with a Criminal Record: De Vereende
De Vereende is there for people who are dealing with “unusual claims and risks.” Even if you have a criminal record, have caused a lot of damage in a short period of time, or haven’t paid your premium (on time), you can still get insurance from De Vereende.
However, the premium is higher, and additional conditions may apply. This is because you pay your premium in advance. This serves as a guarantee for Vereende. If you fail to pay the premium, they can still cancel your policy.
Failing to Disclose a Criminal Record When Applying for Insurance (Insurance Fraud)
If you have a criminal record , the insurance company may also cancel an existing policy. This also applies if you failed to disclose that you have a criminal record when applying for insurance.
The insurer has no access to your criminal history, but you are required to disclose your criminal record if the insurance company asks for it. If you fail to do so, you are committing insurance fraud.
The insurer may then cancel the policy if it becomes known that you concealed your criminal record. In the event of a claim or an accident, you will therefore lose your right to a payout.
Your insurer will file a fraud report, and you will be listed as a fraudster in the CIS database. After that, it will be even harder to get auto insurance.
Be honest about your criminal record
It is important for insurers to accurately assess any risks. Having a criminal record can influence that assessment. This is because the insurer wants to keep the risk of having to pay out as low as possible. When taking out insurance, you must disclose that you have a criminal record, unless the record is more than 8 years old.
Therefore, always be honest about your criminal record. You are not required to explain why you have a criminal record. In some cases—such as a minor offense unrelated to your driving—it may work in your favor to do so.
Taking Out Car Insurance in Someone Else's Name
In some cases, you can take out car insurance in your partner’s name or in the name of one of your parents . However, if you have a criminal record, this is not recommended. If the insurer discovers, for any reason, that you are the primary driver of the car, your insurance will still be canceled.
If you’re involved in an accident, you could even be prosecuted for fraud and for not having the proper insurance. That’s why it’s always wiser to take out insurance in your own name if you’re the primary driver of the vehicle.
When can I get insured again through a traditional insurance company?
In most cases, a criminal record expires after 5 years, after which you should be able to obtain coverage from a regular insurance company. If the offense occurred less than 8 years ago, you are required to disclose it to the insurer. After 8 years, you are no longer required to disclose your criminal record.
Does your criminal history have nothing to do with your driving record? If so, you can apply for a VOG (Certificate of Good Conduct). This allows you to demonstrate that your past does not pose an obstacle to obtaining auto insurance. The insurer can then decide for itself whether or not to insure you.
Frequently Asked Questions About Getting Car Insurance If You Have a Criminal Record
Where can I get car insurance if I have a criminal record?
You can try to get car insurance from regular insurers. If that doesn't work out, you can turn to De Vereende. De Vereende offers insurance for high-risk individuals. You can purchase this car insurance through Alpina.
Am I required to disclose my criminal record when applying for car insurance?
Yes, if the insurer explicitly asks about this, you are required to disclose it honestly. Failure to disclose this information may result in the cancellation of your policy or the denial of your claims.
Can an insurer deny my application because of my criminal record?
Yes, insurers may deny your application if they consider your criminal record to be a heightened risk. In that case, you can look into car insurance through Vereende.
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