What to do when your car insurance is denied
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What can I do if I have been denied auto insurance?
Have you been denied auto insurance? There may be several reasons for this. Fortunately, each insurer uses different criteria when accepting insurance. If one insurer refuses your application for car insurance, it does not mean that the other will automatically do the same. Here you can read for what reason your car insurance may have been denied and how you can still get car insurance after being denied!
First things first. Insurers do risk analysis. They look at various factors in your (insurance) history to determine how likely it is that you will claim a loss or not pay the premium on time. The higher the risk, the more premium you pay. Only when the risk is really high, will an insurer reject your application.
To determine how high the risk is, insurers always check whether you are listed in the database of Stichting CIS. CIS stands for Central Information System. Stichting CIS keeps track of all important insurance data, such as the number of claims or when someone has committed fraud.
Rejected? Get car insurance through Alpina!
Has your application for car insurance been denied? You can always get car insurance through Alpina. Ideally, of course, we would like to place you with a regular insurance company. Is that really not possible? Through us you can always take out a car insurance with insurance company De Vereende. De Vereende was founded especially for special matters in the field of insurance. However, with De Vereende there are extra costs associated with taking out car insurance, such as a higher premium. This is to compensate for the higher risk they run. With us you can easily calculate an indication of the premium for your car insurance with De Vereende.
Top 10 reasons why your car insurance is denied
1. Young driver with a fast car
Do you have your driver's license relatively recently and want to insure a fast car? Chances are your car insurance will be denied. Young drivers are considered a high-risk group anyway . Statistics show that, on average, young drivers are more likely to make claims than older drivers. This is mainly blamed on limited driving experience. Therefore, insurers often consider a young driver with a sporty, fast car too great a risk. Therefore, before purchasing a car, always check your insurance coverage.
2. Too many claims
All insurers can see in the national database Roy Data how often you have made a claim. Here they look especially at claims where legal assistance is important, such as theft or windshield damage. If you have often filed a claim, they assume you will do so in the future. This is a reason for the insurer to refuse your application for auto insurance.
Of course, there may be times when you are late in paying your insurance premium. You will not get a CIS registration immediately. Your insurer will first send you a warning, after which you can still pay the premium. However, when you structurally fail to pay the premium, there is a chance that your insurer will stop the insurance. The insurer will then report this to Stichting CIS. This information is then visible to all insurers. Chances are that you will no longer be able to get car insurance from any insurer.
4. Driving disqualification
If you have had a driving disqualification, it means that you are not allowed to drive a motor vehicle for a certain period of time. You can get a driving disqualification in a variety of situations, such as for driving under the influence, continuing to drive after an accident, speeding more than 50 kilometers per hour or for driving with a driving disqualification or an invalid license. Even if your driving disqualification is lifted again, your car insurance may be denied.
5. A criminal record
If you have a criminal record , you are more likely to be denied car insurance, even if your criminal record has nothing to do with your driving. Insurers often view someone with a criminal record as an increased moral hazard. Here, they assume that someone with a criminal record is less likely to follow insurance rules. This makes the risk of claims too high for them.
6. The car has been uninsured for too long
You are legally obliged to take out at least a third-party insurance for your car, as soon as it is registered in your name. The car must be insured even if you do not drive it. If your car has been uninsured for longer than 14 days, it is possible that your car insurance will be refused as soon as you apply for it. Many insurance companies do not want to insure a car that should have been insured a long time ago.
If you have committed insurance fraud, this will be registered in the database of the CIS Foundation. With the word fraud, people often think of serious crimes, but it can also be about withholding information during the insurance application. If you withhold information from the insurer and the insurer finds out, your insurance will be terminated immediately or refused.
8. Car is not sufficiently secured
Cars are always a popular target for thieves. However, some makes or models of cars are especially prone to theft, for example because they are very expensive. Therefore, it is important that you secure these cars extra with, for example, a good alarm system or an immobiliser. If this security is not according to the requirements of your insurer, this is a reason for them to refuse your car insurance.
9. Refusal on the basis of age
When calculating the premium, an insurer also looks at the applicant's age. For example, very young drivers pay a lot more for car insurance, because research has shown that they cause damage more quickly. However, it is also possible that a car insurance will be refused if the risk is too high for the insurer. This is the case with very young drivers, but also with older drivers.
10. Incorrect CIS registration
Has your car insurance been refused, but do you suspect that the CIS registration is incorrect? You can submit a request to Stichting CIS to view your registration. If the registration is incorrect, you can submit a request for correction.
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