Insure after default

As mentioned, missing a single payment doesn’t automatically label you as a delinquent. Perhaps you’ve just had a month with a lot of major expenses, which is why you can’t pay the premium on time. Most insurers aren’t too strict about this. You’ll first receive a warning, after which you can still pay the premium. However, if you still haven’t paid after multiple warnings from the insurer, you’ll be considered a delinquent. A delinquent is someone who uses a product or service without paying for it.

Did you forget to pay your insurance premium? If so, you’ll first receive a reminder from your insurer. If you pay that reminder on time, there’s no problem. Are you more than 30 days late with your payment? In the case of auto insurance, your insurer may suspend your coverage. Your license plate will be deregistered with the RDW, and your car insurance will be suspended. Your car will then no longer be insured. In that case, you are not allowed to drive it on the road. A suspension will be recorded in the system and is visible to all insurers.

If you are more than 50 days late in paying your premium, your insurer may cancel your policy. Cancellation means that your insurer terminates the policy. You will no longer have to pay premiums, but you will also no longer be insured. Do you still have any outstanding premiums? If so, you must still pay them, even if your policy has been canceled.

If your insurance policy is canceled, you will be listed as a delinquent payer in the CIS database. The CIS database is maintained by the CIS Foundation. They store all insurance data that is important to share, such as when a policy has been canceled due to non-payment. All affiliated insurance companies can access the database to obtain, store, and exchange information about their customers.

Insurers always check whether someone has aCIS record before accepting an insurance application. A CIS record will therefore always come to light and could cause you problems when applying for insurance. If you have a CIS record, there is a very high chance that a standard insurance company will not accept your application. You would then pose too great a risk to the insurer.

A CIS registration due to non-payment usually remains on record for 3 to 5 years. This depends on the nature and severity of the situation. As long as the CIS registration remains on record, it is visible to all insurers. A standard insurance company will not want to insure you, but fortunately, you can always turn to De Vereende. De Vereende was established specifically to insure special risks. Even with a CIS record, you can still purchase insurance through De Vereende. They have a more flexible underwriting policy and, in principle, accept everyone. Once your CIS record has been removed, you can again purchase insurance from a standard insurance company.

Are you listed as a delinquent payer and therefore unable to get insurance? With Geennee.nl , you Geennee.nl still get insurance with no problem! We are the only provider in the Netherlands where you can calculatean estimated premium foryour insurance with De Vereende. Please note that this is only an estimate; it is not a final calculation. De Vereende offers customized solutions and will therefore send you a final calculation after you submit your application.

Do you have any questions? Please don’t hesitate to contact us. Monday through Friday, from 8:00 AM to 6:00 PM, you can speak with one of our insurance specialists by phone. You can reach us at 088 – 688 37 00. If you have a question in the evening or on the weekend that you’d like to ask right away, you can also send us a message via Messenger, WhatsApp, or email. We’ll do our best to answer your question as soon as possible!