What else 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 tell you how you can still get car insurance.
Taking out De Vereende car insurance? Calculate your premium!
Fine no car insurance
In the Netherlands, you are required by law to have at least third-party insurance for your car as soon as the license plate is in your name. If you do not have car insurance, you are not allowed to drive your car on public roads. Of course it is annoying if you cannot get car insurance, but it is unwise to drive your car anyway. Driving around in an uninsured car is a criminal offense. If you drive an uninsured car, you risk a €550 fine. A €400 fine from the RDW can be added to this. Moreover, if you cause damage with an uninsured car, you will have to pay all the costs yourself. And if the car remains uninsured in your name for too long, you will be registered with Stichting CIS and many regular insurance companies will no longer accept you. So in that case, you cannot get car insurance there.
Taking out De Vereende car insurance? Calculate your premium!
Insure your car through the Vereende
An insurer checks the application by seeing if there is a registration in the CIS database. Stichting CIS keeps all important insurance information in their database. If you are registered with Stichting CIS, chances are that a regular insurer will not accept you . However, you can always turn to an insurance company specifically set up to insure special risks. Insurance company de Vereende has a broader acceptance policy so your application will almost always be accepted.
Acceptance requirements the Vereende?
De Vereende is there to insure the special risks, which means they themselves have a higher risk. Therefore, they do set some underwriting requirements for taking out car insurance.
- You must pay three months of premium in advance, even if you choose monthly payments
- The insurance will take effect only after receipt of the initial premium and a signed application form
- You pay a deposit of €175.00. You pay this when you take out the insurance. If there has been no damage at the end of the insurance, you will be refunded the full amount.
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.
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