Unable to obtain insurance as a defaulter: what should I do?
Getting insurance when you’re listed as a delinquent can be quite difficult. Many mainstream insurance companies will reject your application because they consider you too high a risk. Fortunately, you can always turn to De Vereende insurance company. Here, we explain how you can still get insurance from De Vereende even if you’re listed as a delinquent.
De Vereende - insurer for uninsurable risks and special cases
De Vereende was established specifically to insure uninsurable risks and special cases. This includes insuring individuals who are on record for non-payment, fraud, or a poor credit history. You can also turn to De Vereende for insurance for a high-risk event or a special vehicle. De Vereende has a more lenient underwriting policy than most standard insurers. As a result, they will approve your application more quickly. However, De Vereende is not obligated to accept every application. They may therefore still decline your application for any reason.
As a defaulter, when can I get insurance from a regular company again?
If an insurer cancels your insurance policy due to non-payment, this is recorded with the CIS Foundation. A CIS record is visible to all affiliated insurers and authorized agents. Before an insurer decides whether to accept an insurance application, they always check the CIS database. As long as you are listed there, there is a good chance that a regular insurance company will not accept you. A CIS record due to non-payment usually remains on file for 3 to 5 years. This depends on the nature and severity of the situation. After this period, the CIS record is automatically removed from the system. Once your CIS record has been removed, you can take out insurance again with a standard insurance company.
Taking out De Vereende car insurance? Calculate your premium!
Registered as a defaulter? Get insurance through Alpina
Are you having trouble getting insurance because of a history of non-payment? With Alpina, you can still get insurance without any problems. We are the only provider in the Netherlands that allows you to calculate an estimate of your premium with De Vereende. Please note that this is only an estimate; it is not a final calculation. De Vereende provides customized solutions and therefore assesses each application individually. After you submit your insurance application, they will send you a final calculation.
Feel free to contact us with any questions. Our insurance specialists are available Monday through Friday from 8:00 AM to 6:00 PM. They are experts in their field and can always provide you with the right advice. You can reach us by phone at 088 – 688 37 00. Of course, you can also always send us a message via Messenger, WhatsApp, or email. We always try to answer your question as quickly as possible!
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