Home contents insurance has been refused: what now?
You want to get contents insurance. But you are not accepted by several insurance companies. This is of course extremely annoying at the moment when you do want to get insurance. What can you do at the moment when your home contents insurance is refused?
How can I prevent my home contents insurance from being refused?
Now it can happen to anyone once in a while that a bill is paid late. It becomes different if you forget this several times. Then there may be consequences. The consequence is that you will be registered as a defaulter. To avoid this, it is important to pay your bills on time.
Taking out household contents insurance? Calculate your premium!
How come my home contents insurance has been refused?
There can be several reasons why your household insurance policy has been denied. For example, it could happen that you pay your bill too late, or that your bill gets lost during a move. But if this happens more than once, there may be consequences.
Insurers can also refuse your contents insurance at the time of too many claims. Of course, they won't do this after the first or second claim. But they can penalize multiple claims with an increase in premium, curtailment of coverage or ultimately cancellation of the policy (cancellation). This must then be in the terms and conditions of your auto insurance policy, including the notice period.
In the following situations, insurers may refuse your contents insurance:
- Default
- Criminal record
- Driving disqualification
- Fraud
- (Too many) damages
- Uninsured for too long
- Young driver in combination with a fast/apartment vehicle
Insurers may decide for themselves who they do or do not want as customers. In fact, they have no obligation of acceptance. Only health insurers are obliged to accept someone for basic insurance at all times. Insurers consult the database of Stichting CIS for every insurance application. You can be registered with Stichting CIS for various reasons. This may be due to fraud, claims and driving disqualifications, among other things.
CIS is the abbreviation for Central Information System. Insurers and underwriters can place registrations in 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 Stichting CIS, it will inform you of this in writing. It will then also draw your attention to the fact that you must report the details when applying for new insurance. The CIS registration is also known by the term "Blacklist."
What can I do if my home contents insurance is refused?
At Alpina, we look with the customer to find a possible solution. Initially, we will always try to place the insurance with a regular insurer with whom we work. Is there no possibility? Then we can offer you an alternative with De Vereende (formerly Rialto).. This company will almost always accept insurance but the premiums are many times higher than with regular insurance companies. In addition, this insurer requires that the premium be paid in advance for the first 3 months.
Want to know more?
For a free quote, please contact us. At this moment it is not possible to request this quote online.
Please keep in mind that we need information about your home and its contents and that you need to have these ready.
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