Which insurer can I get car insurance without a check?
A car insurance company has no duty of acceptance. This means that they may also reject your application for car insurance. They will not do this lightly, only if there is good reason to do so. To investigate whether they want to accept you as a policyholder, they will always do a check to see if you are registered with Stichting CIS. Stichting CIS keeps in their national database all kinds of data about consumers that are important to an insurer. Think for example of a criminal record or a driving disqualification, but also a (too) large number of claims. An insurer actually performs a standard check when applying for insurance. Taking out car insurance without a check is virtually impossible. However, you can always contact insurance company de Vereende, even if you are registered in the database. At Alpina.nl we explain it to you.
Why do insurers check an application?
Insurers prefer to pay as little compensation as possible. Also because otherwise they have to increase the premium for their customers. So they prefer policyholders without problems, such as a history of defaulting on payments or a criminal record. That is why they do risk analysis. They look at how big the risk is that they have to pay out compensation in the future. If you are registered with the CIS Foundation, the chances are that your application will be rejected. It is virtually impossible to take out a car insurance without a check with any insurer. If you know that you are registered, it may therefore seem impossible to take out car insurance. Fortunately, there are always possibilities to insure your car.
Purchase car insurance without a check through Alpina.nl at de Vereende
If you are registered with the CIS Foundation, there is a good chance that a regular insurer will not accept you . However, you can 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.
De Vereende: acceptance requirements
De Vereende does have a number of acceptance requirements for taking out insurance.
- Your application for car insurance is not accepted by a regular company
- 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 with the Vereende!
You can first use our online comparison module, which includes all regular insurance companies. After comparing them, choose a company and complete the application. Always fill in all acceptance questions truthfully. There is a chance that the company can still accept you at the regular rate. If your application is rejected after all, we can always place you with De Vereende. You can also apply online for car insurance with Vereende. Do you have any questions or do you want to talk? Please do not hesitate to 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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