What are the consequences of concealing a criminal past?
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 data 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. This results in a CIS registration.
Will I now be blacklisted for insurers?
On this we can be brief: no. In fact, there is no "blacklist" for insurers at all. This term is often used in popular speech, but in fact it does not exist. When people talk about a so-called blacklist, they mean a registration in the database of the CIS Foundation.
Withholding a criminal record, can I still get insurance?
Yes, even with a criminal record, there is a chance that a standard insurance company will still be willing to insure you. This depends on the type of offense committed and how long ago it occurred. In any case, your chances are better than if you are registered as a fraudster. If you are registered for fraud, no standard insurance company will accept you, and you will automatically be referred to Vereende. This involves additional costs. It is 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 - insurance company specializing in insuring special cases
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 with a criminal record. If your insurance application is not accepted, you can always turn to De Vereende insurance company. They were specifically established to insure special risks, which can 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 are properly insured.
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Acceptance requirements for De Vereende
An insurance company estimates the level of risk they are taking in advance. They look in particular at the moral hazard. In the case of someone with a criminal record, the moral hazard is often estimated to be greater. The assumption here is that someone with a criminal record is less likely to comply with the insurance rules or pay the premium. The risk for the insurer is therefore greater than normal. Based on this, they decide whether or not to accept the insurance application. This also applies in part to Vereende. They specialize in insuring special risks and therefore run a greater risk themselves. That is why there must be something in return. 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 starts only after the premium is paid for the first those months 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.
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