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De Vereende (formerly Rialto Insurance)

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Everything About De Vereende (formerly Rialto Insurance)

De Vereende (formerly Rialto Verzekeringen)is the insurance company that is willing to insure special risks when regular insurers turn away clients. This primarily applies to individuals who are no longer welcome at regular insurers because they:

have been involved in or caused many accidents
are behind on their premium payments
have been convicted of a criminal offense
have had their driver's licensesuspended
committed fraud

De Vereende will always accept thecar insurance, but the premium is higher than with standard car insurance. You also often have a deductible with third-party liability insurance. This deductible must be paid in advance along with the premium.

Who is Vereende Intermediary?

Alpina is an agent for De Vereende. This means that through us, you can purchase insurance from De Vereende.

What are the underwriting requirements at Vereende?

De Vereendeimposes certain conditions on taking out insurance

You must pay the premium at least 3 months in advance, even if you pay monthly.
The insurance policy will not take effect until we have received the first premium AND a signed application form
In most cases, Vereende also charges a security deposit averaging €268. This must be paid in advance. If there has been no damage by the end of the insurance period, this amount will be refunded to you.

Claim-free years and De Vereende—how does that work?

At De Vereende, you can also transfer your accumulated claim-free years. This gives you a larger discount and lowers your premium. De Vereende initially assumes 0 claim-free years when calculating the premium. If a check in the Roy database reveals that you have more than 0 claim-free years, the policy will be adjusted, and you’ll receive a refund for any overpaid premium.

When does the insurance take effect?

The insurance coverage does not take effect until the first premium and the signed application form have been received.

People on the “blacklist”—what does that mean?

If a person is on the “blacklist”—as it’s commonly called—due to fraud, a history of claims, or a criminal record, Vereende may be a solution. Incidentally, this“blacklist”does not actually exist in the insurance industry. However, you may be flagged if you have filed a claim with your insurer. People who have beendropped by their insurance company for failing to pay their premiums on time can also turn to De Vereende. In almost all cases, De Vereende will be able to insure a car. However, the premium is higher than with a “regular” insurer. Additionally, in cases of nonpayment, the annual premium must be paid in advance.

Special vehicles or special uses—is that allowed?

You can also turn to De Vereende for special-purpose vehicles. These include parade floats, ATVs, trikes, and Segways. In addition, De Vereende offers coverage options for vehicles usedas taxis.

How much is the premium at Vereende?

De Vereende offers customized coverage. This means we cannot specify in advance how much the premium will be. We recommend using our website to calculate your auto insurance premium. We’ll first check to see if a solution is available through “standard” insurers. If not, we’ll request a customized quote for you from De Vereende. You’ll then receive this quote by email.

Apply for De Vereende Insurance Online

You can apply for insurance online through De Vereende. We recommend that you use our comparison tool, which shows you the results from major insurers. You can choose the insurer that suits you best and complete the entire application by answering all questions truthfully. There’s a chance the insurer may still be able to accept you at the standard rate, but if that’s not the case, we’ll send you a proposal for Vereende.

Please note that your insurance coverage with Vereende cannot take effect until you have paid the first premium AND returned the signed application form that we sent you by email. It may therefore take a few days before your coverage begins.

What types of Vereende insurance policies are available?

De Vereende offers several types of insurance, namely:

De Vereende Auto Insurance. This policy will always be accepted, but the premium is higher than that of a standard auto insurance policy.
De Vereende Van Insurance. Insurance for vans and vehicles withgray license plates.
De Vereende Liability Insurance. With De Vereende's liability insurance, you're covered for damage you accidentally cause to another person or to another person's property.
De Vereende Home Contents Insurance. This insurance covers all personal property (movable items in your home) that belong to your private household.
De Vereende Motorcycle Insurance. This insurance covers the risk that you might cause damage to others with your motorcycle; you can also insure your own motorcycle against damage.
De Vereende MMBS Insurance. Insurance for MMBS vehicles.
De Vereende Homeowners Insurance. With this insurance, you are covered for damage to your home and the associated real property (items in your home that cannot be moved, i.e., those that are permanently attached to the structure).
De Vereende Scooter Insurance. With De Vereende’s scooter insurance, you’re covered for the risk of causing damage to others with your scooter. You can also insure your own scooter against damage or theft, for example.
De Vereende Taxi Insurance. This insurance offers coverage options throughout the Netherlands, including the major cities.

The Combined Liability Insurance

WithVereende's liabilityinsurance, you're covered for damage you accidentally cause to another person or to another person's property. How can you get insured:

• Liability coverage just for you
• Liability coverage for you and your family. You can also insure your children who live in student housing while attending school. Even your pets! If they accidentally cause damage, it’s covered.

Combined Contents and Building Insurance

De Vereende is a specialized insurer for special risks. This means that anyone who is unable to obtain home contents or building insurance from another insurer may be eligible for coverage from De Vereende. This includes if you:

• have incurred a large amount of damage in a short period of time;
• have failed to pay your premiums;
• have committed fraud;
• have a criminal record

As a general rule, if another insurer considers the risk to be “too great or too onerous,” Vereende is happy to look for an insurance option.