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What can I do if I can no longer get car insurance?

Did you know that insurers do not have a duty of acceptance? This means that they can also reject your application for car insurance. They do not do this lightly; there must be a clearly demonstrable reason. An insurer will reject your application in various situations, such as after a driving disqualification, if you have a criminal record or if you have claimed too many claims. In these situations, you will not be able to get car insurance from a regular insurance company. However, your car must be insured. At Alpina.nl , we will tell you how to still get car insurance.

De Vereende car insurance? Calculate your premium!

no car insurance

Fine no car insurance

In the Netherlands, you are legally obliged to take out at least a third-party insurance for your car as soon as the registration number is in your name. If you do not have car insurance, you are not allowed to drive your car on the public roads. Of course, it is annoying if you cannot take out any car insurance, but it is unwise to drive around in your car anyway. Driving around in an uninsured car is a punishable offence. If you drive an uninsured car, you risk a €550 fine. On top of that, there may be a €400 fine from the RDW. If you cause damage with an uninsured car, you also have to pay all the costs yourself. And if the car has been uninsured for too long, you will be registered with the CIS Foundation and many regular insurance companies will no longer accept you. In that case, you cannot get car insurance there.

De Vereende car insurance? Calculate your premium!

Insuring your car through De Vereende

An insurer checks the application by checking whether there is a registration in the CIS database. Stichting CIS keeps track of all important insurance data in their database. If you are registered with Stichting CIS, chances are that a regular insurer will not accept you . You can, however, always turn to an insurance company that has been specially set up to insure special risks. Insurance company de Vereende has a broader acceptance policy, as a result of which your application will almost always be accepted.

Acceptance requirements de Vereende?

De Vereende is there to insure the special risks, which means that they themselves run a greater risk. Therefore, they do set a number of acceptance requirements for taking out car insurance.

  • You must pay three months of premium in advance, even if you choose to pay monthly
  • The insurance only comes into effect after receipt of the first premium and a signed application form
  • You pay a deposit of €175.00. You pay this when you take out the insurance. If there is no damage at the end of the insurance, the full amount will be refunded to you.

Get instant car insurance through Alpina!

Through Alpina you can always get car insurance, even if you do not get car insurance from a regular company. On Alpina.nl you can already calculate an indication of the premium for your insurance with the Vereende. Do you still have questions or would you like to discuss? Then please contact us! You can reach us by phone at 030 - 688 37 00 or send us a message via chat, WhatsApp or Messenger.

Calculate the premium for your car insurance with de Vereende!

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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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