Get car insurance without a check

Do you want to switch or buy new insurance? If so, you always have to answer a number of underwriting questions when taking out new insurance. These questions cover things like your claims history, whether you have ever been denied or disbarred by an insurer before, and whether you have had traffic convictions. They also ask about the use of the car (personal, business, courier services) and the number of claim-free years you have accumulated.

With this information, insurers assess your risk profile as a consumer. On this basis, they determine whether you will be accepted, what coverage they offer and what your premium will be. Always give honest and complete answers, because inaccurate information can lead to problems later on, for example in case of damage or a claim.

An insurer prefers to pay out as few claims as possible. Also because otherwise they have to increase the premium for their customers. So they prefer to have policyholders without problems. That's why they do a risk analysis.

In this risk analysis, drivers ' car type, driving history and driving privileges, among other factors, are considered in the assessment. They look at how high the risk is of having to pay compensation in the future.

For example, young drivers with little to no claim-free years are a greater risk than experienced drivers with 15 claim-free years. Similarly, seniors are a greater risk.

In the following situations, chances of rejection are high:

• You have a CIS registration (e.g. for non-payment, fraud or expulsion)
• You have a negative claims history (many claims or questionable claims)
• You have accumulated negative claim-free years
• You were previously disbarred by another insurer
• You provide incorrect or incomplete information with your application
• You have a criminal record or driving disqualification (traffic-related)
• Your car is used for high-risk purposes such as courier work or rental, without appropriate insurance
• You previously failed to make premium payments
• You are not registered at the same address as the previous policy (in the case of family structures)

No, every insurer conducts some form of underwriting check. De Vereende has a broader underwriting policy. They also accept customers with a difficult insurance history, such as in the event of cancellation or many claims.

No, this is always checked. Insurers want to know how many claim-free years you have accumulated to determine your premium. Do you have no, negative or few years? Then you can still be insured, but the premium is often higher.

Basically, no. Almost all regular insurers check the Central Information System (CIS) and Roy-Data with a new application. They use these systems to check your claim history and previous cancellations. This registration is visible to all affiliated insurers.

You can, however, get insurance from a provider willing to accept clients with a CIS report, such as the Vereende. At the Vereende you are checked and almost always accepted.

We immediately give you an indication of the premium with the Vereende.

No, insurers do not do a BKR check like banks do. Your financial situation is included only if you have had insurance terminated in the past for non-payment, for example.

If you have had multiple refusals, you can turn to a specialized insurer such as the Vereende. They are there for people who have difficulty getting insured elsewhere. Do keep in mind higher premiums and additional conditions such as a deposit.

Yes, with most online insurers you can be insured within minutes. As long as your information is correct and there are no risk signals, you will receive your policy by mail almost immediately. With the Vereende, it sometimes takes a little longer because of additional requirements.

Yes, you can basically switch to another car insurance company at any time, especially if you have no special registrations. Do you have no CIS registration and have been claim-free or nicely insured? Then you can easily take out a new car insurance policy.

Do you do have a CIS registration? Then switching can be more difficult. Regular insurers often refuse such applications. In that case you can turn to the Vereende.