Get Car Insurance Without a Check

Do you want to switch insurers or take out a new insurance policy? If so, you’ll always have to answer a number of underwriting questions when taking out a new insurance policy. These questions cover topics such as your claims history, whether you’ve ever been declined or canceled by an insurer, and whether you’ve had any traffic convictions. They also ask about how you use the car (personal, business, courier services) and the number of claim-free years you’ve accumulated.

Insurers use this information to assess your risk profile as a consumer. Based on that, they determine whether to accept you, what coverage to offer, and what your premium will be. Always provide honest and complete answers, because inaccurate information can lead to problems later on, such as in the event of damage or a claim.

Insurance companies prefer to pay out as little in claims as possible. This is partly because otherwise they would have to raise premiums for their customers. So they prefer policyholders who don’t cause any problems. That’s why they conduct a risk analysis.

This risk analysis takes into account, among other things, the type of car, the driver’s driving history, and the driver’s license status. They assess the likelihood that they will have to pay out compensation in the future.

For example, young drivers with few or no claim-free years pose a greater risk than experienced drivers with 15 claim-free years. Similarly, older drivers also pose a greater risk.

In the following situations, there is a high likelihood of rejection:

• You have a CIS registration (e.g., due to nonpayment, fraud, or expulsion)
• You have a negative claims history (many claims or questionable claims)
• You have accumulated negative no-claims years
• You were previously terminated by another insurer
• You provided incorrect or incomplete information with your application
• You have a criminal record or a driving suspension (traffic-related)
• Your car is being used for high-risk purposes, such as courier services or car rentals, without the appropriate insurance
• You have not paid your previous premium payments
• You are not registered at the same address as on the previous policy (in the case of family arrangements)

No, every insurer conducts some form of underwriting review. De Vereende has a more lenient underwriting policy. They also accept customers with a difficult insurance history, such as those whose policies have been canceled or who have filed many claims.

No, this is always checked. Insurers want to know how many claim-free years you’ve accumulated in order to determine your premium. If you have none, a negative number, or very few claim-free years, you can still get insurance, but the premium is often higher.

Generally speaking, no. Virtually all major insurers check the Central Information System (CIS) and Roy-Data when processing a new application. They use these systems to verify your claims history and any previous policy cancellations. This information is visible to all participating insurers.

You can, however, purchase insurance from a provider that is willing to accept customers with a CIS record, such as De Vereende. At De Vereende, your application will be reviewed, and you will almost always be accepted.

We'll give you an immediate estimate of your premium with Vereende.

No, insurance companies do not perform a BKR check the way banks do. Your financial situation is only taken into account if, for example, you have had an insurance policy canceled in the past due to nonpayment.

If you’ve been turned down multiple times, you can turn to a specialized insurer such as de Vereende. They’re there for people who have difficulty getting insurance elsewhere. Keep in mind, however, that you’ll face higher premiums and additional conditions, such as a security deposit.

Yes, with most online insurers, you can be insured within a few minutes. As long as your information is correct and there are no red flags, you’ll receive your policy by email almost immediately. With Vereende, it sometimes takes a little longer due to additional requirements.

Yes, in principle, you can switch to another auto insurance provider at any time, especially if you don’t have any special records on file. If you don’t have a CIS record and you’ve had a claims-free history or have been properly insured, you can easily take out a new auto insurance policy.

Do you have CIS coverage? If so, switching insurers may be more difficult. Mainstream insurers often reject such applications. In that case, you can turn to De Vereende.