Rejected by an insurer because of a criminal record

If you have been convicted of a criminal offence within the last eight years, or if you have been in contact with the courts or police as a suspect during that period, you are legally obliged to report this when you want to take out insurance. A criminal past can have a negative effect. We will explain to you what you can do.

In the event of a criminal past, can an insurer simply cancel the insurance?

If the insurer finds out that you have failed to mention your criminal record when submitting the insurance application, this is a valid reason to stop your insurance with immediate effect. You must fill in the questions on the insurance application truthfully. Failure to do so means that you are committing insurance fraud. This makes it even more difficult to take out other insurance policies in the future; by being registered as a fraudster, many insurance companies will not accept you. As a fraudster you will be registered in the database of Stichting CIS. All insurers and proxies affiliated to Stichting CIS can view these details.

When I apply for insurance, am I obliged to mention my criminal record?

When you apply for insurance, the insurer is not aware of your criminal past and has no access to your criminal record. However, when specifically asked about it when processing the insurance application, you are obliged to give an honest answer. Concealing information means that you are committing insurance fraud. If the insurance company discovers this, they will immediately stop your insurance. You also lose the right to payment in case of damage or an accident. It is up to you to weigh the consequences. Depending on the offence stated on your criminal record, you still have a chance that a regular insurance company will accept your application. If you are registered in the database of the CIS Foundation because of fraud, you will not be accepted by any regular insurance company. You can still go to De Vereende. An insurance policy does involve extra costs, such as a higher premium.

How long does your criminal record remain registered?

The period for which the criminal record remains registered depends on the type of offence. In general, a criminal record usually expires after five years. This means that five years after the offence you should be able to take out insurance again with a regular insurance company. However, if the offence took place less than eight years ago, you are still obliged to report it to the insurer. One option is to apply for a Certificate of Good Conduct (VOG). In this way you can demonstrate that your past does not constitute an obstacle to taking out insurance. The insurer will then ultimately decide whether they want to insure you.

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Last updated: 20-02-2023

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