What to do when you have been denied by an auto insurance company because of a criminal record?

The consequences of having a criminal record for your car's insurance

If you want to take out insurance for your car and you have a criminal record, this can have major consequences, even if your criminal record has nothing to do with your driving. Insurance companies assume that your criminal record says something about your values and standards. When you apply for insurance, the insurance company will try to determine how high the moral hazard is. Moral hazard means how high the risk is that you will be less careful with the vehicle, because the insured knows that if you suffer damage you will still be compensated. When insuring a car, a person may therefore drive faster or less carefully, because the person assumes that in the event of damage to the car or an accident, the insurance company will pay compensation anyway.

This does not mean that a regular insurance company will not accept you. Each insurance company will have different acceptance requirements. It depends on the severity of the offence and how long it has been committed whether you will be able to get insurance for your car from a regular insurer. If the insurer does accept the application for your car, certain conditions will be attached, usually a higher premium.

For how long will your criminal record be registered with the CIS Foundation?

Depending on the offence, a criminal record expires on average after five years. This means that with a regular insurance company you will be able to get insurance for your car again after five years. You will still have to inform your insurance company if your offence was committed less than eight years ago. In that case, you can apply for a VOG (Certificate of Good Behaviour). In this way you can prove that your past does not (no longer) constitute an objection to taking out insurance. It is up to the insurance company to decide whether they want to insure you or not.

If the insurance for your car was denied because of a criminal record, you can get insurance through Alpina!

If you still want to get your car insured even though your car insurance was denied because of your criminal record, you can always turn to Alpina! We recommend that you first use the online comparison tool to compare the different regular car insurance policies with each other. Have you seen a car insurance policy that you like? If so, you can go through all the questions and fill in truthfully. Then you will immediately notice whether your application will be accepted. Is this not the case? Then you can always turn to insurer De Vereende for car insurance. De Vereende is an insurance company that specializes in insuring special risks, as is the case, for example, with persons with a criminal record. They have a broader underwriting policy than other insurers. You can calculate the premium for the insurance of your car via De Vereende directly online and then take out a policy very easily!