Can I get car insurance without a check?
When you apply for auto insurance, the insurer will always do a check to see if you are registered with the CIS Foundation. CIS stands for Central Information System, a national database in which data about consumers are registered that are important to an insurer. Examples include a criminal record or driving disqualification, but also an (excessive) number of claims. Insurance companies can consult CIS to collect, store and exchange information about their customers. Now, of course, you want to know if there are any insurers who provide car insurance without a check.
Car insurance companies naturally prefer to pay out as few claims as possible. Also because that increases the premium for their customers. Therefore, they prefer to have policyholders without problems, such as a history as a defaulter or a criminal record. If you are registered with the CIS Foundation, chances are your application will be rejected. It is virtually impossible to get auto insurance without a check. However, there is an insurance company you can always turn to. In this article, we will tell you more.
Taking out De Vereende car insurance? Calculate your premium!
What all does an insurer check when buying auto insurance?
A CIS registration can have several causes. An insurer does a check by requesting your information from the CIS Foundation. They then look to see exactly what you are registered for. An insurer checks the following things:
Damage reports
All claims you file with your insurer are tracked. It does not matter who is at fault for the claim. Actual records and personal information are kept of each claim.
Taking out De Vereende car insurance? Calculate your premium!
Royate insurance by insurer
An insurer has the right to cancel your insurance. For example, if you have not paid the premium for a longer period of time or if you have intentionally provided incorrect information. All reasons for an insurer to terminate the insurance. Not all cancelled policies are registered with Stichting CIS. If you, the policyholder, have not fulfilled your contractual or financial obligation, the insurer may choose to register this in the CIS database.
Disqualification from driving
A driving disqualification is actually always registered with the CIS Foundation, whatever the reason.
Uninsured motor vehicles
When an uninsured motor vehicle is involved in an accident, the details of the vehicle's owner and driver will be recorded by the CIS Foundation.
Special notifications
The CIS Foundation database is a monitoring tool, not a rejection tool. An insurer also looks at special reports. Special reports include EVRs, Confidential Notices, license plate data and drivers of uninsured motor vehicles, total loss reports and Sanction Lists. These are reports from which a participant can infer more about the morality of the person involved or which are especially linked to an object.
Car insurance without a check: the Vereende
Are you registered with the CIS Foundation? Then chances are that a regular insurer will not accept you . If you want to take out car insurance, but you are not accepted by a regular company, the Vereende offers a solution. De Vereende is a company specially founded for insuring special risks. If regular insurance companies drop out, you can always turn to the Vereende. De Vereende will always accept the car insurance, but the premium is higher than for regular car insurance.
Terms and conditions the Vereende
The Vereende does set some conditions for taking out insurance:
- You pay the premium at least 3 months in advance, even with monthly payments.
- Insurance does not commence until the first premium AND a signed application form are received.
- In most cases, De Vereende additionally charges a deposit averaging €175.00. This must be paid in advance. When there has been no damage at the end of the insurance, this amount will be refunded to you.
Get car insurance without a check through Alpina
We recommend that you always first use our online comparison module, which includes all regular insurance companies. Here you choose the company you like and go through the complete application by filling in all the questions truthfully. There is a chance that the company can still accept you at the regular rate. Should this not be the case, we can always accommodate you with the Vereende. You can also apply online for a car insurance with the Vereende. Do you still have questions or would you like to consult? Then please contact us! You can reach us by phone at 030 - 688 37 00 or send us a message via chat, WhatsApp or Messenger.
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