Can I get auto insurance with a registration as a defaulter?

Maybe this has happened to you before: you’re moving and lose a bill for your car insurance, causing you to miss a payment. Or your bank account balance is just a little too low when the premium is debited. If you’re late on a single car insurance payment, you won’t immediately be labeled a delinquent. However, if you’re late with payments multiple times or fail to pay at all, there are serious consequences. If you’re registered as a delinquent payer, there’s a good chance you won’t be able to get car insurance from a regular insurance company.

If you don’t pay an insurance bill, you’ll first receive a payment reminder from your insurer. After the first reminder, you’ll receive a second reminder, and possibly a final notice afterward. Are you 30 days late on a payment? Then the insurer can suspend your auto insurance. That means you no longer have coverage, so your car isn’t insured. The insurance hasn’t been canceled yet, but is essentially “frozen.”

If you are more than 50 days late in paying your premium, your insurer may cancel your auto insurance. Cancellation means that your insurer terminates your auto insurance policy. You will no longer have to pay the premium, but your car will also no longer be insured.

If the insurer cancels your policy due to non-payment, this will be recorded with Stichting CIS. Stichting CIS records all insurance data that is important to share. All affiliated insurance companies can consult the database to obtain, store, and exchange information about their customers.