Consequences of concealing a criminal past?

Will I now be blacklisted by insurers?

The answer to this question is very short and simple; no. There is no such thing as a 'blacklist' among insurers. This term is often used in popular speech, but it does not actually exist in the insurance sector. When there is talk of a 'blacklist', people often refer to the CIS registration.

Can I still take out insurance if I have a criminal record?

Depending on the type of offence and how long it has been, it may still be possible to take out insurance with a regular insurance company. It is more likely that you will be able to take out insurance if you conceal your criminal past than if you are registered as a fraudster. In the latter case, therefore, if you are registered as a fraudster, you will not be able to take out insurance anywhere. In that case, you can only turn to the insurance company De Vereende. This does involve extra costs. It is therefore of great importance that you always give the correct details and answer all questions truthfully when applying. In this way you can avoid not being able to take out an insurance policy anywhere.

De Vereende - insurance company specialised in insuring special cases.

With our online tool, you can compare insurance policies and choose the one that suits you best. It is important to fill in all the details truthfully and complete the application. If you do not apply, an insurer may still want to insure you, despite your criminal record. Is the application rejected? Then you can always turn to De Vereende. This insurer was founded especially for special insurance cases, such as a criminal past, but also special vehicles or high-risk events. De Vereende's acceptance policy is much broader than that of most regular insurance companies, as a result of which, in principle, everyone is always accepted and you can be sure that you are properly insured.

Acceptance requirements De Vereende

Normally, insurance companies look at the level of moral hazard that they might run in the event of a new application. In the case of people with a criminal past, this risk is usually estimated to be a lot higher. Insurers assume that a person with a criminal past will be less than honest with the insurance rules or the payment of the premium. In such cases, the risk for the insurer is therefore greater than usual and that is the reason for accepting or rejecting an application. To some extent this also applies to De Vereende. They are specialised in insuring special cases and therefore run a greater risk themselves. For this reason De Vereende has a number of conditions for taking out insurance, in order to be able to compensate for this increased risk:

To begin with, you must pay the premium for the first three months in advance, even if you choose to pay monthly instead of quarterly, half-yearly or yearly. Only when these months have been paid and the insurer has received a signed application form will the insurance take effect. In most cases, a deposit must also be paid. If you are late in paying the premium, this deposit can be used to settle the outstanding amount. If you pay the premium on time every month, the deposit will be returned to you when the insurance is terminated.