My application for car insurance has been refused: what should I do?
Has your car insurance application been refused? Very unpleasant to hear at the moment when you want to insure your new car properly! An insurer can refuse your application for several reasons. We will explain to you what insurers look for when they reject an application and how you can still get car insurance if your application is rejected.
What do insurers look for when applying for car insurance?
Insurers always look into the applicant's insurance history. They do this by checking the database of Stichting CIS. Stichting CIS keeps track of all important insurance data in their database. In this way, insurers try to determine how big the chance is that you will file a claim or not pay the insurance premium. This is how they determine how much risk they run. Insurers often pay attention to the following factors:
Damage history
Insurers can see from the Roy Data database how often you have made a claim. If the insurer sees that you have made many claims, your application for car insurance may be refused. Insurers think that if you have made many claims in the past, you will do so in the future.
Criminal history
A criminal record is more likely to result in your application for car insurance being rejected, even if your criminal record has nothing to do with your driving. For insurers, someone with a criminal record poses too high a moral hazard. They assume that a person with a criminal record is less likely to follow insurance rules or pay the premium. As a result, many insurers consider the risk too high to insure you.
Payment history
Have you ever forgotten to pay your insurance premium? Many insurers do not immediately make a problem of this. You will not be registered with the CIS immediately. The insurers will first send you a reminder to pay, after which you can still pay the premium. Does it happen often that you do not pay the premium (on time)? Then you have the chance that your insurer will stop the car insurance. The insurer will then report this to the CIS Foundation. Your CIS registration is then visible for every affiliated insurer. The chance is great that no regular insurance company will want to insure you anymore after that.
Driving disqualification
With a driving disqualification you are not allowed to drive a motor vehicle for the time being. You get a driving disqualification for drink driving, driving after an accident, speeding more than 50 kilometres per hour or for driving during a driving disqualification or with an invalid driving license. The length of the driving disqualification depends on the severity of the offence. You can get a driving disqualification for a few days, a few weeks, months and sometimes even years.
This is what you can do if you do not agree with the refusal of your application
First of all, it is important that you know why your application for car insurance has been refused. If you want to know what personal data is in the CIS database, you can make a request to Stichting CIS. Do you think that your CIS registration is unjustified? Then you can submit a request for correction to the insurer that registered you via CIS. On the website of CIS, you can use a form to indicate which data is incorrect and why you think so. Stichting CIS will then pass on your request to your insurer. The insurer can then either accept or refuse your request.
Does your CIS registration remain and do you not agree? If so, you can submit a complaint to the insurer's complaints committee. There is also the possibility of submitting a complaint to the Financial Services Complaints Institute. The last step is to take your complaint to court, but this often involves high legal costs. As soon as your CIS registration has been removed, you can in principle conclude a car insurance with any insurance company without any problems.
Application denied? Get car insurance through Alpina!
Even if your application for auto insurance has been denied, you can always get auto insurance through Alpina! Our mission is to get you insured with a regular insurance company. Is that not possible? Then we can always insure you with insurance company De Vereende. De Vereende was founded especially for special matters in the field of insurance. When you take out car insurance with De Vereende, however, there are some extra costs involved. For instance, the premium is slightly higher than with other companies, you have to pay three months of premium in advance and you also pay a deposit. These extra costs are intended to compensate for the higher risk run by De Vereende.
Do you want an indication of the premium for your De Vereende car insurance? Via our online calculation tool you can easily calculate it. Next, you can easily conclude the insurance policy online. Please note that your De Vereende car insurance does not take effect until you have paid the first three months of premium and completed and signed the application form. It therefore takes a few days before you have coverage.
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