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All about insurance with a criminal record

In the last eight years, have you come into contact with the police or justice system as a suspect or have you been criminally convicted? If so, you are required to disclose this when purchasing insurance. Unfortunately, a criminal record can have a negative impact on taking out new insurance. We explain.

How does a criminal record affect my insurance?

"In the past eight years, have you come into contact with the police or the justice system as a suspect?"

This question is asked by the insurer on all insurance applications. You are required to disclose a criminal history. The insurer asks this question to determine the reliability of the policyholder. The main concern is the potential risk to the insurer. Based on this information, the insurer assesses whether or not they want to enter into an insurance agreement. For example, they look at whether criminal history has anything to do with the insurance you want to purchase. Have you had a driving disqualification in the past, for example because of alcohol abuse? Then most insurance companies will not want to provide you with car insurance. You simply pose too great a risk then. Will the insurance company accept your application? Then the premium will be higher than normal.

Can an insurer simply cancel insurance with a criminal history?

Do you not mention your criminal record with the insurance application and the insurer finds out? Then he can stop your insurance immediately. Also, it will be even more difficult to get insurance in the future. If you do not fill in the questions on the insurance application truthfully, it means you are committing insurance fraud. Many insurance companies will not accept you if you are registered as a fraudster. You are then listed in the database of the CIS Foundation, where your information is visible to all affiliated insurers and agents.

Am I required to disclose my criminal record when applying for insurance?

The insurer has no insight into your criminal record and therefore knows nothing about your criminal history beforehand. However, if they ask you about it when applying for insurance, you are required to answer honestly. Are you concealing information? Then you are committing insurance fraud. Once the insurance company finds out, your insurance will stop and you will lose the right to payment in the event of a claim or accident. You can weigh the consequences here: with a criminal record, there is still a chance that a regular insurance company will want to accept your application, depending on the offense on your criminal record. When you are registered for fraud, no regular insurance company will want to accept you and you will automatically end up with De Vereende. This comes with additional costs, such as a higher premium.

How long does a criminal record remain registered?

How long your criminal record remains registered depends on the type of offence. In general, a criminal record often expires after five years and you should be able to get insurance from a regular insurance company after five years. However, if your offence was committed less than 8 years ago, you should still report it to the insurance company. In this case, you could apply for a VOG (Certificate of Good Behaviour) to prove that your past does not constitute an objection to an insurance policy. The insurer can then decide whether they want to insure you.

Insurance denied due to a staffing history? Get your insurance through Alpina!

Have you been denied insurance because of a criminal record? Through Alpina, you can obtain insurance from De Vereende. Insurance company De Vereende specializes in insuring special risks. Because of this, they have a broader acceptance policy and in principle accept anyone as a policyholder. Alpina then acts as an intermediary and insures you via the Vereende. This way you can still get insurance even if you have a criminal record.

Would you like to discuss the possibilities? Please feel free to contact us. We can be reached Monday through Friday from 08:00 to 18:00 at telephone number 088 - 688 37 00. You can also send us a message via chat, WhatsApp or Messenger.

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