If I'm listed as a delinquent payer, can I still get car insurance?

Maybe this has happened to you before: you’re moving and lose a bill for your car insurance, causing you to be late on a payment. Or there’s just not enough money in your bank account when the premium is due to be deducted. If you’re late on a car insurance payment just once, you won’t immediately be labeled a delinquent payer. 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, followed by a final notice if necessary. Are you 30 days late on a payment? If so, the insurer may suspend your auto insurance. This means you no longer have coverage, so your car is uninsured. The policy hasn’t been canceled yet, but it’s 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 insurance premium, but your car will also no longer be insured.

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