Can I get car insurance without a check?
When you apply for car insurance, the insurer will always check to see if you are registered with Stichting CIS. CIS stands for Central Information System, a national database that records consumer information relevant to insurers. This includes, for example, a criminal record or a driving suspension, as well as an excessive number of claims. Insurance companies can consult CIS to gather, store, and exchange information about their customers. Now, of course, you want to know if there are any insurers that will issue car insurance without running a check.
Naturally, car insurance companies want to pay out as little in claims as possible. This is partly because higher claims lead to higher premiums for their customers. That’s why they prefer policyholders without any issues, such as a history of non-payment or a criminal record. If you’re registered with Stichting CIS, there’s a good chance your application will be rejected. It’s virtually impossible to get car insurance without a background check. However, there is one insurance company you can always turn to. In this article, we’ll tell you more.
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What all does an insurer check when buying auto insurance?
There are several reasons why you might be registered with CIS. An insurer will run a check by requesting your information from the CIS Foundation. They will then determine exactly what you are registered for. An insurer checks the following:
Damage reports
Your insurer keeps a record of all claims you file. It doesn’t matter who is at fault for the damage. The factual details and personal information for each claim are retained.
Taking out De Vereende car insurance? Calculate your premium!
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An insurer has the right to cancel your insurance policy. For example, if you have failed to pay the premium for an extended period or if you have intentionally provided false information. These are all valid reasons for an insurer to terminate the policy. Not all canceled policies are registered with Stichting CIS. If, as a policyholder, you have failed to meet your contractual or financial obligations, the insurer may choose to record this in the CIS database.
Disqualification from driving
A driving disqualification is actually always registered with the CIS Foundation, whatever the reason.
Uninsured motor vehicles
When an uninsured motor vehicle is involved in an accident, the details of the vehicle's owner and driver will be recorded by the CIS Foundation.
Special notifications
The CIS Foundation database is a monitoring tool, not a rejection tool. An insurer also looks at special reports. Special reports include EVRs, Confidential Notices, license plate data and drivers of uninsured motor vehicles, total loss reports and Sanction Lists. These are reports from which a participant can infer more about the morality of the person involved or which are especially linked to an object.
Car insurance without a check: the Vereende
Are you registered with Stichting CIS? If so, there’s a good chance that a standard insurer won’t accept you . If you want to get car insurance but can’t get coverage from a standard insurer, De Vereende can help. De Vereende is an insurer specifically established to cover special risks. If standard insurance companies turn you down, you can always turn to De Vereende. De Vereende will always accept your car insurance application, but the premium is higher than with standard car insurance.
Terms and conditions the Vereende
The Vereende does set some conditions for taking out insurance:
- You pay the premium at least 3 months in advance, even with monthly payments.
- Insurance does not commence until the first premium AND a signed application form are received.
- In most cases, Vereende also charges a deposit of €175.00 on average. This must be paid in advance. If there has been no damage at the end of the insurance period, this amount will be refunded to you.
Get car insurance without a check through Alpina
We recommend that you always start by using our online comparison tool, which includes all standard insurance companies. You can choose the company that suits you best and complete the entire application by answering all questions truthfully. There is a chance that the company may still be able to accept you at the standard rate. If that is not the case, we can always place you with De Vereende. Even if you decide to take out car insurance with De Vereende, you can complete the application online. Do you have any questions or would you like to discuss your options? Please don’t hesitate to contact us! You can reach us by phone at 030 – 688 37 00 or send a message via chat, WhatsApp, or Messenger.
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