Consequences of concealing a criminal past?

Will I now be blacklisted for insurers?

the answer to this question is very short and simple; no. In fact, there is no such thing as a "blacklist" among insurers. This term is often used colloquially, but it does not actually exist in the insurance industry. When there is talk of a 'blacklist', reference is often made to the CIS registration.

Withholding a criminal record, can I still get insurance?

Depending on the type of offense and how long ago it was, it may still be possible to obtain insurance from a regular insurance company. Withholding your criminal record is more likely to allow you to obtain insurance than if you are registered as a fraudster. In the latter case, that is, if you are registered as a fraudster, you will no longer be able to obtain insurance anywhere. The only place you can turn to is insurance company De Vereende. This will involve additional costs. It is therefore very important that you always give the correct information and answer all questions truthfully when applying for insurance. In this way you can avoid having nowhere to take out insurance.

De Vereende - insurance company specializing in insuring special cases.

Our online tool allows you to compare insurance policies, which will help you choose the one that suits you best. Then it is important to fill in all the details truthfully and go through the complete application. Then it is still possible that an insurer will want to insure you, despite your criminal record. Is the application refused? Then you can always turn to De Vereende. This insurer has been established especially for special insurance cases, such as once criminal past, but also special vehicles or high-risk events. The acceptance policy of De Vereende is much broader than that of most regular insurance companies, so that in principle everyone is always accepted and you can be sure that you are well insured.

Acceptance requirements The Vereende

Normally, insurance companies look at the level of moral hazard they might face in a new application. For individuals with criminal records, this risk is usually assessed a lot higher. Insurers assume that a person with a criminal record will not be comfortable with insurance rules or paying the premium. So the risk to the insurer in such cases is higher than normal and that is the reason for them to accept or not accept an application. In part, this also applies to De Vereende. They specialize in insuring special cases and therefore run a greater risk themselves. De Vereende therefore has a number of conditions for taking out insurance 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, semi-annual or annual payments. 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 offset the outstanding amount. If you pay the premium on time every month, the deposit will be returned to you when the insurance is terminated.