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Home Car Insurance consequences of non-payment

What are the consequences of non-payment for my car insurance?

Non-payment, it can happen to anyone. Your current account has insufficient funds and the premium for the car insurance remains unpaid. One non-payment or late payment will not immediately earn you the label of defaulter. However, if payment does not follow shortly, this may have consequences for the future. How does it work?

If the premium is not paid, the insurer will first send you a reminder. If payment is still not made, a second reminder will follow and then possibly a demand for payment. The insurer can suspend your car insurance in case of non-payment. This means that the insurance will not be terminated, but it will be frozen. Therefore you are no longer insured. The RDW will also register that your car is no longer insured. Do you still pay? Then the insurer can reactivate the car insurance as of the payment date or one day later. Even then you are in violation. The car has been temporarily uninsured.

Damage caused with the uninsured car

After suspending the car insurance due to non-payment, the insurer, in principle, no longer offers coverage. However, it is legally stipulated otherwise. After the suspension of the motor insurance, the insurer is still at risk. The insurer can still be sued up to 16 days after the suspension. If the formerly insured car causes damage to others, the insurer still has to compensate this damage. Of course, the insurer can then recover the amount of the damage from the owner of the car.

consequences of non-payment of car insurance

What are the consequences of non-payment?

We have already briefly explained the consequences for the car insurance, but the consequences are even greater. When applying for a new car insurance, questions are asked about previous car insurances. For example, you will be asked, "Have you ever been refused or cancelled insurance?" If you answer "yes" to this question, you are likely to be rejected for car insurance. This is because non-payment is heavily discounted by insurers. The fact that a previous insurance policy was cancelled due to non-payment may be registered in a database for this kind of information. So there is no point in hiding.

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Can you no longer insure your car after non-payment?

Fortunately, this is not the case, but the premium will be higher. Due to circumstances, it may happen to you. Are you unable to insure your car? Through the website GeenNee.nl (Part of Alpina) you will certainly succeed. Agreements have been made with several insurers to insure more difficult risks. So even after non-payment you can still insure your car. If you do not succeed with these insurers, there are still possibilities with the 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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