Being a defaulter and unable to take out insurance: what should I do?
Getting insurance if you are a registered defaulter can be quite difficult. Many regular insurance companies will refuse your application, because they think you are too great a risk. Fortunately, you can always turn to the insurance company De Vereende. Here we explain how you, as a defaulter, can still take out insurance with De Vereende.
De Vereende - insurer for uninsurable risks and special cases
De Vereende was founded especially for insuring uninsurable risks and special cases. Examples are insuring persons who are registered due to non-payment, fraud or a malus position. You can also contact De Vereende to insure a high-risk event or a special vehicle. De Vereende has a broader acceptance policy than most regular companies. As a result they will accept your application more quickly. Incidentally, De Vereende is not obliged to accept insurance either. They may therefore refuse you, for whatever reason.
When can I, as a defaulter, take out insurance again with a regular company?
If an insurer terminates your insurance due to non-payment, this is registered with the CIS Foundation. A CIS registration is visible to all affiliated insurers and agents. Before an insurer decides to accept an insurance application, they always check the CIS database. As long as you are registered there, there is a good chance that a regular insurance company will not accept you. A CIS registration for non-payment usually remains in place for 3 to 5 years. This depends on the nature and seriousness of the situation. After this time, the CIS registration will automatically be deleted from the system. As soon as your CIS registration has been removed, you can take out insurance again with a regular insurance company.
Registered as a defaulter? Get insurance through Alpina
Do you have problems getting insurance as a defaulter? Through Alpina you can still get insurance without any problems. You can calculate with us, as the only party in the entire Netherlands, an indication of your premium with De Vereende. This is only an indication, not a definitive calculation. De Vereende delivers tailor-made solutions and therefore assesses each application individually. After submitting your insurance application they will send you a final calculation.
You can always come to us with questions. Our insurance specialists are at your service Monday through Friday from 8 a.m. to 6 p.m. They are knowledgeable and can therefore always provide the right advice. They know their business and can therefore always provide you with the right advice. You can reach us by telephone on +31 (0)88 - 688 37 00. Of course, 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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