Contents insurance with criminal record
Have you had any contact with the police/judicial authorities in the past 8 years?Do you have a criminal record? If so, you must disclose this information with every application you make for new insurance.
A traffic fine for running a red light or for speeding are not the things that are meant and affect your insurance application.
Things you must always report
However, you must always report the items below when applying for new insurance:
- A (conditional) disqualification from driving
- If you are (have been) suspected or convicted of:
- theft, embezzlement, deception, fraud, forgery or attempted theft;
- destruction and/or damage to property
- assault, extortion and deprivation, threat or other crime directed against the liberty or life of other persons or attempt to do so;
- violation of the Weapons and Ammunition Act, the Opium Act or the Economic Offenses Act.
Most insurers do not have options to cover you in the above cases.
What are my options in terms of contents insurance when I have a criminal record?
Unfortunately, as described above, if you have a criminal record, most insurers have no way of insuring you. Of course, it depends on what the reason for your criminal record is, but insurers are very careful about this.
Insurers may decide for themselves who they do or do not want as customers. Insurers have no duty of acceptance. Only health insurers are obliged to accept someone for basic insurance at all times.
However, we can request a no-obligation quote for you from Vereende for your household contents (and other insurance policies). We always have a solution for you. This insurer has a more generous acceptance policy and accepts everyone in principle, even those with a history of non-payment.
The condition is that you pay the first 3 months in advance.
Taking out household contents insurance? Calculate your premium!
How can I get contents insurance with a criminal record?
You can only take out insurance with Vereende through an intermediary. For a no-obligation quote, please contact us by telephone. It is not yet possible to request this quote online.
Keep in mind that we will need details about your home and contents for this and that you have them ready.
How is the value of contents calculated?
To calculate the overall value of your household contents, you can use the household contents value meter. Often it also provides a guarantee against underinsurance for a certain period, usually five years. This prevents you from having to make a notification to the insurer with every purchase to be appropriately insured.
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