My home contents insurance claim was denied: what should I do now?

Why was my home contents insurance denied?

There may be various reasons why your household property insurance was denied. For example, it’s possible that you paid your bill late, or that your bill went missing during a move. But if this happens multiple times, there may be consequences.

Insurers may also refuse to provide your home contents insurance if too many claims are filed. Of course, they won’t do this after the first or second claim. However, they can penalize multiple claims by raising your premium, limiting your coverage, or ultimately canceling the policy. This must be specified in the terms and conditions of your home insurance policy, including the notice period.

Insurers may refuse to provide your home contents insurance in the following situations:

• Nonpayment
• Criminal Record
• Driver's License Suspension
• Fraud
• (Too many) claims
• Uninsured for too long
• Young driver combined with a fast or unusual vehicle

Insurers are free to decide for themselves whom they do or do not want as a customer. This is because they are not required to accept everyone. Only health insurers are obligated to accept anyone for basic health insurance at all times. Insurers consult the Stichting CIS database for every insurance application. You may be registered with Stichting CIS for various reasons. These may include, among other things, fraud, insurance claims, and driver’s license suspensions.

CIS stands for Central Information System. Insurers and authorized representatives can enter records into this national database. The purpose of this database is to make risks manageable and to prevent fraud as much as possible. When an insurer registers you with the CIS Foundation, it will notify you in writing. It will also remind you to disclose this information when applying for new insurance. The CIS registration is also known as the“Blacklist.”

What can I do if my household property insurance claim was denied?

At Alpina, we work with our clients to find a possible solution. Our first step is always to try to place the insurance policy with a standard insurer with whom we partner. If that’s not possible, we can offer you an alternative through de Vereende (formerly Rialto). This company will almost always accept an insurance application, but the premiums are many times higher than those of standard insurance companies. In addition, this insurer requires that the premium be paid in advance for the first 3 months.

Want to know more?

Please contact us for a no-obligation quote. At this time, it is not yet possible to request this quote online.
Please note that we will need information about your home and personal belongings, so please have that information ready.

See also:

Car Insurance Denied