Denied insurance due to criminal record

If you fail to disclose your criminal history on the insurance application and the insurer finds out, they can cancel your policy immediately. It will also be even more difficult for you to obtain insurance in the future. If you do not answer the questions on the insurance application truthfully, you are committing insurance fraud. Many insurance companies will not accept you if you are registered as a fraudster. You will then be listed in the Stichting CIS database, where your information is visible to all affiliated insurers and authorized agents.

The insurer has no access to your criminal record and therefore knows nothing about your criminal history in advance. However, if they ask you about it during the insurance application process, you are required to answer honestly. If you withhold information, you are committing insurance fraud. As soon as the insurance company finds out, your policy will be canceled, and you will lose your right to a payout in the event of a claim or accident. You can weigh the consequences: with a criminal history, there is still a chance that a standard insurance company will accept your application, depending on the offense on your record. If you are registered for fraud, no standard insurance company will accept you, and you will automatically be directed to De Vereende. This involves additional costs, such as a higher premium.

How long your criminal record remains on file depends on the type of offense. Generally speaking, a criminal record is often expunged after five years, and after five years you should be able to purchase insurance from a standard insurance company. However, if your offense occurred less than 8 years ago, you must still disclose it to the insurer. In this case, you could apply for a Certificate of Good Conduct (VOG) to demonstrate that your past does not pose an obstacle to obtaining insurance. The insurer can then decide for itself whether to insure you.

Has your insurance application been denied due to a criminal record? Through Alpina, you can purchase insurance from De Vereende. De Vereende specializes in insuring high-risk cases. As a result, they have a more flexible underwriting policy and, in principle, accept anyone as a policyholder. Alpina acts as an intermediary and insures you through de Vereende. This way, you can still take out insurance, even if you have a criminal record.

Would you like to discuss the options? Please feel free to contact us. We are available Monday through Friday from 8:00 AM to 6:00 PM at 088 – 688 37 00. You can also send us a message via chat, WhatsApp, or Messenger.

Insurers are not required to accept everyone. Health insurance is an exception. Health insurers are legally required to accept you for the basic health insurance plan. They cannot refuse you for this plan, but they can refuse you for supplemental insurance plans. If an insurer believes you pose too great a risk, they may reject your application.

The insurer may also choose to accept an insurance policy only under certain conditions. In that case, they will impose requirements when you take out the policy. For example, because the risk of damage is considered to be higher or due to your medical condition. Some examples of such conditions include:

• The insurer does not cover certain risks
• The policy terms remain the same, but you will pay a higher premium
• The policy terms and the premium remain the same, but your deductible is higher
• There are certain requirements for eligibility for coverage, such as fire safety.

When accepting or not accepting an insurance application, the insurer tries to assess in advance how high the risk is. Someone with a criminal record they see as a greater moral hazard. This assumes that someone with a criminal record is less likely to follow insurance rules or pay the premium.

The risk for the insurer is therefore greater than normal. This is also the case with Vereende. They specialize in special risks, but there are a number of conditions that must be met. They have a number of conditions for taking out insurance:

• You must pay three months' premiums in advance, even if you choose to pay monthly instead of quarterly, semi-annually, or annually.
• The insurance does not take effect until the premium for the first three months is paid and they receive a signed application form.
• In most cases, you’ll need to pay a security deposit. If you’re late paying your premium, they can use this security deposit to cover the unpaid premium. If you pay your premium on time every month, you’ll get your security deposit back when the insurance policy ends.

When you can once again obtain insurance from a standard insurance company depends on how long your criminal record remains on file. This depends on the type of offense you committed. Generally speaking, a criminal record often expires after five years, and you should be able to purchase insurance from a standard insurance company after five years. Was your offense committed less than 8 years ago? If so, you must still disclose it to the insurer. You could then apply for a Certificate of Good Conduct (VOG) to demonstrate that your past does not pose an obstacle to obtaining insurance. The insurer can then decide for itself whether to insure you.