Car Insurance Denied

Are you listed as a delinquent payer with a previous auto insurance provider? This often leads to a denial. All insurers can check a database to see if you’ve ever been suspended due to a history of late payments.

If you believe you have been wrongfully listed as a delinquent payer, you can submit a request for correction to have this information updated.

Have you filed multiple insurance claims in the past? Claims filed in recent years carry significant weight in the assessment of your application. In that case, an insurer will view you as a higher risk, as they believe you are likely to file claims again in the future.

To determine this, the insurer checks the Roy Data database. If the insurer determines that the risk is too high, you will not be granted auto insurance.

Caught driving under the influence? This often results in a driver’s license suspension, and your insurer will cancel your current policy. When you apply for a new policy, your history of alcohol-related incidents is always taken into account.

Are you a young driver who enjoys driving a sporty, fast car? If so, you’ll often have trouble getting insurance. Insurers believe that a lack of driving experience combined with a fast car increases the risk of accidents.

Furthermore, if you own an expensive car, insurers view this as an additional risk, which means that as a young driver, you’ll often pay a higher premium or may even be denied coverage altogether.

Have you ever had your license suspended or been banned from driving? If so, it’s often harder to get car insurance.

A driving ban means that you have failed to comply with traffic laws, which increases the risk of accidents. A driving ban usually remains on record for about 5 years.

Do you have a criminal record? Insurance companies view you as a higher moral risk—even if your criminal record has nothing to do with your driving behavior. That’s because insurance companies assume that someone with a criminal record doesn’t follow the rules properly and is therefore more likely to cause an accident.

Have you committed insurance fraud in the past? This is recorded in the CIS database. Insurers record instances of fraud in various databases, such as CIS and Roy-data, so that claims and insurance data can be accessed centrally.

Fraud includes not only serious crimes, but also the withholding of information during an insurance application.

If you withhold or misrepresent information when applying for insurance and the insurer discovers this, the insurer will immediately cancel or deny your policy, and you will be registered as a fraudster.

This makes it difficult to get new auto insurance.

In the Netherlands, it is required by law to have at least third-party auto insurance from the moment the car’s license plate is registered in your name. Even if you don’t drive the car, it must always be insured. The RDW can easily verify this.

Has your car been uninsured under your name for too long? Not only do you risk a fine, but there’s also a good chance that an insurer will reject your application for auto insurance.

Certain car brands and high-end models are prone to theft. Some cars are particularly attractive to thieves and therefore require additional security measures.

You should take extra security measures for these cars, such as installing an immobilizer or an alarm system. If the security measures do not meet the insurer’s requirements, this is grounds for denying your auto insurance.

Your age may be a reason for being denied car insurance. Your personal circumstances, such as your age and driving experience, affect your chances of being accepted.

Research shows that young drivers and very elderly drivers are more likely to cause accidents. As a result, the risk to the insurer is too high. The insurer charges a higher premium or sometimes even rejects your application.