Can I get car insurance with my criminal record?

You have been refused car insurance because of your criminal record

Insurers ask about your criminal record in order to understand how trustworthy you are as an insured person. When an insurer does or does not accept a car insurance, the insurer tries to estimate the amount of moral risk. Simply put, this is the risk that someone will not be careful with the car, because they know that they will receive compensation anyway. In the case of car insurance, for example, this can manifest itself in someone driving harder and more recklessly, because he knows that if he suffers a loss he can count on a payment from the insurer.

Based on the acceptance questions asked, the insurer will assess whether or not they want to take out insurance. Amongst other things, they look at whether your criminal record has anything to do with the type of insurance you want to take out from the insurer. If, for example, you have had a driving disqualification for alcohol abuse, most insurance companies will see this as too great a risk and not accept you. If the insurer does accept you, there are often additional conditions attached, such as a higher premium than usual.

What are the consequences of not mentioning it in my insurance application?

When your insurance company finds out that you have withheld information when taking out the insurance, the insurer can immediately stop the car insurance. You then immediately lose your right to any payment in the event of an accident or damage. The choice should not be difficult: the insurance company may still accept you, depending on the type of offence on your criminal record. However, if you are registered as a fraudster, none of the regular insurance companies will accept you. Then you automatically end up with the insurance company De Vereende. Insurance with De Vereende involves extra costs, such as paying a deposit, paying an increased premium and having to pay your premium in advance.

When will I be able to get car insurance from a regular insurance company again?

This also depends on how long your criminal record remains registered, which varies according to the type of offence. In general, a criminal record will expire after five years and you should be able to go back to a regular insurance company after five years. If your offence was less than eight years ago, you are obliged to report it to the insurance company. In such cases, you could apply for a VOG (Certificate of Good Conduct) so that you can demonstrate that your past does not constitute an obstacle to taking out insurance. The insurer can then make its own assessment and decide whether or not to insure you.

Do you have a criminal record? Through Alpina, you can get insurance for your car from De Vereende.

Do you have a criminal past and do you want to get car insurance? We will be pleased to place you with a regular insurance company that is willing to insure you for a regular tariff. If this is not possible, we work together with De Vereende. De Vereende has a broader acceptance policy and therefore accepts virtually everyone. Calculate here directly your premium for your De Vereende car insurance!