Car insurance refused, what now?

Annoying, your car insurance has been refused, now what? Your car insurance could be refused for several reasons, for instance because you were disqualified from driving or you did not pay the premium of your insurance on time. It is then difficult to get a new car insurance. We would like to explain what you can do when your car insurance is refused!

Can an insurer refuse me just like that?

Yes, an insurer can always refuse you. After all, they have no obligation to accept you. Only a health insurer is obliged to insure you for health insurance. If an insurer thinks you represent too great a risk, they can reject your insurance application. There can be various reasons for this.

When assessing an insurance application, insurers use the Roy Data database and the database of Stichting CIS. Your claim history is registered there. They can see, for example, if you have a criminal past, how many claims you have made and if you have ever committed insurance fraud. These are all situations in which you will receive a CIS registration. This information is then accessible to all affiliated insurers and agents. Based on this information, they can refuse you a car insurance. With a CIS registration there is a big chance that no regular insurance company will want to insure you. This is because you pose too great a risk.

Insurers mainly try to determine how big the moral hazard is. Moral hazard is often estimated to be higher for someone with a CIS registration. This assumes that someone with a CIS registration is less strict with the insurance rules or with paying the premium.

Requesting information from Stichting CIS and the Roy Data-database

If you want to know which personal data are registered in the CIS database, you can make a request for inspection to Stichting CIS. Through the website of CIS you can fill in the online form and sign it. Subsequently, you can send this, together with a copy of a valid identity document, by e-mail or post. Within a maximum of 1 month (but we aim to do so within 10 working days) after receipt of your request for inspection, you will receive an overview of the registered details and information on their origin. You will then see which insurer has registered you and when this took place. Are your personal details not included in the CIS database? If so, you will also be notified of this.

If you would like to know how many claim-free years you have in the Roy Data database, you can make a request through Stichting EPS (Efficient Processes Schadeverzekeraars). On the website you will find an online form for a request. You can fill this out and send it immediately, along with a copy of your proof of identity. The information will then be sent to you by e-mail as soon as possible.

In both cases, unfortunately, we cannot submit a request for you, even if you purchase car insurance through us. This is because, as an intermediary, Alpina has no insight into your personal data, due to privacy laws.