What are the consequences of concealing a criminal history?
If you have a criminal record, it’s often harder to get insurance. That’s why you might wonder if it’s better to keep your criminal record a secret from the insurer. After all, that would save you a lot of hassle. However, concealing a criminal record can have serious consequences.
CIS Registration
Failing to disclose a criminal history will result in a CIS registration. CIS stands for Stichting Centraal Informatie Systeem ( Central Information System Foundation ). They store all important insurance data in their database, such as instances where someone has committed fraud or caused damage while driving an uninsured vehicle. Insurers and authorized representatives can enter this information into the national database. The purpose of the database is to make potential risks manageable for insurers and to prevent fraud as much as possible. Concealing a criminal history—whether intentionally or not—is considered insurance fraud. As a result, you will be registered with the CIS.
Will I be blacklisted by insurance companies now?
We can be brief about this: no. There is no suchthingasa “blacklist”for insurers. This term is often used colloquially, but it doesn’t actually exist. When people refer to a so-called blacklist, they are referring to a record in the CIS Foundation’s database.
Can I still get insurance even if I don't disclose a criminal history?
Yes, even with a criminal record, there’s a chance that a regular insurance company might still be willing to insure you. This depends on the type of offense committed and how long ago it occurred. In any case, the chances are better than if you’re registered as a fraudster. If you’re registered for fraud, no standard insurance company will accept you, and you’ll automatically be referred to Vereende. This involves additional costs. It’s therefore very important that you answer all questions on your insurance application truthfully. This will prevent you from being unable to obtain insurance from a standard insurance company in the future.
De Vereende – an insurance company specializing in insuring unique items
Our advice is to first use our online tool to compare insurance policies. Choose the policy that best suits your needs and complete the entire application by answering all questions truthfully. The insurance company may still be willing to insure you, even if you have a criminal record. What if your insurance application isn’t accepted? Fortunately, you can always turn to De Vereende insurance company. They were founded specifically to insure special risks. This could include a criminal record, but also a unique vehicle or a high-risk event. De Vereende has a more lenient underwriting policy than most insurance companies and, in principle, accepts everyone. This ensures that you’re properly insured.
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Acceptance Requirements of De Vereende
An insurance company assesses the level of risk it faces in advance. In doing so, it focuses primarily on moral hazard. For someone with a criminal history, the moral hazard is often assessed as higher. The assumption here is that someone with a criminal record is less likely to strictly adhere to insurance rules or pay the premium. The risk to the insurer is therefore greater than usual. Based on this, they decide whether or not to accept the insurance application. This also applies, in part, to De Vereende. They specialize in insuring special risks and therefore assume a greater risk themselves. That is why there must be something in return. De Vereende has 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 coverage does not take effect until the premium for the first few months has been paid and they have received 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 offset the unpaid premium. If you pay your premium on time every month, you’ll get the security deposit back when the insurance policy ends.
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