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Insure after default

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All about non-payment

Of course, there may be times when you are unable to pay your insurance premium, or maybe you just forgot. Don't worry, you won't get a CIS registration right away. If you fail to pay more often and your arrears increase, you will be listed as a defaulter, with all the consequences this entails. We will explain when you are a defaulter and how this affects your insurance.

When is someone a defaulter?

As mentioned before, you are not immediately considered a defaulter after one non-payment. Perhaps you have just had a month with a lot of big expenses, which makes it impossible for you to pay the premium on time. Most insurers don't make a fuss about this. You will first receive a warning, after which you can still pay the premium. However, if you still do not pay after several warnings from the insurer, you are considered a non-payer. Then you are considered a defaulter. A defaulter is someone who uses a product or service without paying for it.

Consequences of non-payment on insurance

Have you forgotten to pay your insurance premium? If so, you will first receive a reminder from your insurer. If you then pay that payment reminder on time, there is no problem. Are you more than 30 days late in paying? Then, in the case of car insurance, your insurer may suspend coverage. Your license plate will be cancelled at the RDW and your car insurance will be suspended. Your car is then no longer insured. You will not be allowed to drive it. A suspension appears in the system and is visible to all insurers.

If you are more than 50 days late in paying the premium, your insurer may cancel the insurance. Expulsion means that your insurer terminates the insurance. You no longer have to pay insurance premiums, but you are no longer insured. Do you still have premium arrears outstanding? Then even if your insurance is cancelled, you still have to pay it.

If your insurance is cancelled, you will be registered as a defaulter in the CIS database. The CIS database is maintained by the CIS Foundation. They keep all insurance information that is important to share, such as when an insurance policy is cancelled for non-payment. All member insurance companies can access the database to obtain, store and exchange information about their customers.

An insurer always checks to see if someone has a CIS registration before they accept an insurance application. Thus, a CIS registration will always surface and may cause you problems when applying for insurance. With a CIS registration, there is a very good chance that a regular insurance company will not accept your application for insurance. You then pose too great a risk to the insurer.

How long do you remain registered as a defaulter?

A CIS registration for non-payment usually remains for 3 to 5 years. This depends on the nature and severity of the situation. As long as the CIS registration remains, it is visible to all insurers. A regular insurance company will not want to insure you, but fortunately you can always turn to De Vereende. De Vereende was founded especially for insuring special risks. Even with a CIS registration you can still get insurance through De Vereende. They have a broader acceptance policy and in principle accept everyone. As soon as your CIS-registration has been removed again, you can take out insurance with a regular insurance company.

Taking out insurance after non-payment

Are you known to be a defaulter and therefore unable to get insurance? Via Geennee.nl you can take out insurance without any problems! We are the only place in the Netherlands where you can calculate an indicative premium for your insurance with De Vereende. This is an indication, not a definitive calculation. De Vereende delivers tailor-made solutions and will therefore send you a final calculation after submitting your application.

Do you have any questions? Then please do not hesitate to contact us. On Mondays to Fridays from 08.00 to 18.00 you can speak to one of our insurance specialists by telephone. You can reach us at telephone number 088 - 688 37 00. Do you have a question you would like to ask immediately in the evening hours or at the weekend? You can also send us a message via Messenger, WhatsApp or e-mail. We will try to answer your question as soon as possible!

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