Taking out insurance with a criminal record: is it possible?

Getting insurance with a criminal record is not always easy. Not every insurer will accept your application, and when they do, there are often some conditions in return. Is your application not accepted? Then you can always take out insurance with insurance company De Vereende. However, they also have some requirements before they accept your insurance application.

With a criminal record, can I still get insurance from a regular insurance company?

There is always a chance that a regular insurance company will accept your application for insurance. This depends on the type of offense committed and how long ago it was. Through our comparison tool, you can easily compare different insurance companies. Choose the insurance that suits you best and then go through all the steps. Fill in all the fields truthfully and then see if your application is accepted. If not, you can use our website to calculate an indication of your premium with De Vereende. Through Alpina, you can always get insurance, even with a criminal record.

Why do insurers impose requirements when buying insurance?

An insurer is not required to accept your application, with the exception of a health insurance company. For health insurance, you can always purchase basic coverage. However, additional coverage is often not available. If an insurer thinks you pose too great a risk, they may reject your application. They look primarily at moral hazard in this regard. In the case of someone with a criminal record, the moral hazard is often rated higher. This assumes that someone with a criminal record is less compliant with insurance rules or paying the premium.

The insurer may also choose to accept insurance only under certain conditions. Some conditions may include:

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