Car insurance denied
Has your application for car insurance been denied or your current car insurance discontinued? For example because of your damage history, non-payment or a criminal record? At the Vereende you are never refused an application for car insurance. Even if you have previously been refused elsewhere.
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An insurer may refuse a car insurance application
An insurance company can decide whether to accept your application for auto insurance. Insurers are free to use their own underwriting criteria. For example, based on your claim history, driving record or payment history.
Insurers do this through underwriting questions that you must answer when you apply. You are required to answer these questions fully and honestly. Are you not doing this? Chances are your application for auto insurance will be denied.
Acceptance criteria differ among insurers
Each insurer has different rules for accepting your application. There is no set list of requirements you must meet to apply for auto insurance. One insurer may reject your application, while another insurer may accept you.
If your application is denied, the insurer must provide an explanation on paper. Always request this explanation so you know why your auto insurance was denied.
Car insurance denied? Take out car insurance directly with the Vereende
You can always get auto insurance through the Vereende. It does not matter what the reason is why you have been turned down elsewhere. However, the premium is considerably higher than for a regular car insurance. This higher premium is because of the higher risk.
Also, you often have an excess with a third-party insurance. This deductible must be paid in advance along with the premium. You usually pay the premium a quarter or six months in advance. In addition, there are often additional conditions.
Want to know what the premium is for your situation?
CIS registration
Your car insurance is likely to be denied because you have a CIS registration. The CIS (Central Information System) Foundation manages a database in which insurers share information about claims, late payments, fraud and other risk factors.
If your auto insurance is denied, it may be because of a record in this database. Insurers use CIS to assess the risks of new customers.
10 reasons why car insurance denied
There are several reasons why an insurer may reject your application. Here are the 10 most important ones.
1. Default
Are you registered as a defaulter with a previous auto insurance policy? This often leads to a denial. All insurers can see in a database if you have been suspended before because of a negative payment history.
2. Damage history
Have you made more frequent claims to your insurance company? If so, an insurer sees you as a greater risk. This is because they think you will do so again in the future. For this, the insurer looks in the Roy Data database. If the insurer thinks the risk is too high, you won't get car insurance.
3. Driving under the influence
Caught driving under the influence? Then a driving banoften follows and your insurer will terminate your current policy. With a new application, your alcohol history is always taken into account.
4. Young driver with a fast car
Are you a young driver and like to drive a sporty, fast car? Then you often don't get insurance. Insurers find that little driving experience and a fast car together make you more likely to have accidents.
5. A driving disqualification or driving ban
Have you ever had a driving disqualification or driving ban? If so, it is often more difficult to get auto insurance. A driving ban means that you have not obeyed traffic rules, which increases the likelihood of accidents. A driving ban usually stays registered for about 5 years.
6. A criminal record
Do you have a criminal record? Insurers see you as an increased moral hazard. Even though your criminal record has nothing to do with your driving. This is because insurers assume that someone with a criminal record does not obey the rules properly and is therefore more likely to drive into harm's way.
7. Fraud
Have you committed insurance fraud in the past? This is registered in the CIS database. Fraud includes not only serious crimes, but also concealing information during an insurance application.
If you withhold or distort information in an application and the insurer discovers this, the insurer will immediately stop or deny your insurance and you will be registered as a fraudster. This makes it difficult to get new car insurance.
8. Uninsured car is in your name for a long time
In the Netherlands, it is a legal requirement to have at least third-party car insurance from the moment the car's license plate is in your name. If you do not drive the car, it must always be insured. The RDW checks this easily.
Has your car been uninsured in your name for too long? Not only do you risk a fine, but chances are that an insurer will refuse your application for car insurance.
9. Inadequate security of your car
Certain car makes and expensive versions are prone to theft. You need to secure these cars extra with an immobilizer or alarm system, for example. Is the security not according to the insurer's requirements? This is a reason to refuse your car insurance.
10. Your age
Your age can be a reason for denial of auto insurance. Research shows that young people and very old drivers are more likely to cause damage. This makes the risk too high for the insurer. The insurer charges a higher premium or sometimes even refuses your application.
Need help applying for car insurance with the Vereende?
Then contact us. Our experts are happy to think with you.
Frequently asked questions about denied auto insurance policies.
Why can car insurance be denied?
Car insurance can be denied for a variety of reasons. Often this is due to a poor claims history, payment problems with previous insurers, fraud or high risk due to many claims, for example. A driving disqualification or a high age of the driver may be a factor.
Can I get car insurance somewhere else after a refusal?
Yes, after a refusal, you can get car insurance from the Vereende, for example. This insurer specializes in high-risk people and will always accept you. However, the costs are higher than with normal insurance.
How long does a denied auto insurance policy remain registered?
If your auto insurance is denied, it may be recorded in the Central Information System (CIS). This is a database where insurers share information about insurance history and risks. Depending on the reason, this record stays for 5 to 8 years. This can affect your future insurance applications because insurers use this information when evaluating your insurance application.
How do I avoid having my car insurance denied in the future?
Make sure you drive claim-free, pay premiums on time and be honest when applying for insurance.
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