Insurance & expulsion

You can cancel your insurance yourself , for example, if you want to switch to another insurer at the end of the term. In the case of car insurance, you can also cancel it when your car is stolen or sold, or because you had it suspended. Have you terminated your car insurance? Then you will receive a statement from your insurer stating that the insurance has been cancelled. This used to be a cancellation statement, which also stated the number of accrued claim-free years. However, these claim-free years are now digitally stored.

The insurer has the right to terminate an insurance under certain conditions. This is also called cancelling an insurance. Cancellation of your insurance can happen in the following situations:

• Default
  Have you forgotten to pay your insurance premium? Then you will first receive a reminder from your insurer. If you pay it on time, there is no problem. Are you more than 30 days late in paying? Then, in the case of car insurance, your insurer can suspend coverage. Your car is then no longer insured. If you are more than 50 days late in paying the premium, your insurer can cancel the insurance.
• Fraud
  Insurance fraud gives an insurer the right to cancel an insurance policy. When people hear the word insurance fraud, they often think of very large cases, but it can also involve deliberately stating false information during the insurance application. Basically, it involves intentionally misleading the insurer.
• Too many claims reports
  Damage can happen to anyone, of course. After all, you are insured for that. However, if you report too many claims, this will raise questions with your insurer. Are you making too many claims? Then the insurer may choose to cancel your insurance.

Has your insurance been disbarred for non-payment, fraud or too many claims? If so, you risk a CIS registration. CIS stands for Central Information System. The CIS Foundation represents the interests of insurers. They keep all insurance information that is important to share, such as when someone has committed fraud or has driven a damage in an uninsured car. Insurers and agents can register this data in the Stichting CIS database. Based on this data, insurers can therefore refuse a policyholder. If you are registered with Stichting CIS, chances are you will not be accepted by a regular insurance company.

Fortunately, you can always turn to insurance company De Vereende. They specialize in special risks. De Vereende therefore has a broader acceptance policy than other insurers and in principle accepts everyone.

Taking out insurance through De Vereende does involve some additional costs. With every insurance: the higher the risk for the insurer, the higher the premium. This is also the case with De Vereende. Therefore, the premium of an insurance via De Vereende is often higher than with a regular insurance company. Also, in most cases you have to pay a deposit. Do you not pay the premium in time? Then De Vereende can use this deposit to settle the unpaid premium. If you pay every month on time, the deposit is returned to you at the termination of the insurance.