Can I get car insurance without a credit check?
When you apply for auto insurance, the insurer will always run a check to see if you’re registered with Stichting CIS. CIS stands for Central Information System, a national database that records consumer information relevant to insurers. This includes, for example, a criminal record or a driver’s license suspension, as well as an excessive number of insurance claims. Insurance companies can consult CIS to gather, store, and exchange information about their customers. Naturally, you’ll want to know if there are any insurers that will issue car insurance without running this check.
Car insurance companies naturally want to pay out as little in claims as possible. This is also because higher claims lead to higher premiums for their customers. That’s why they prefer policyholders without any issues, such as a history of non-payment or a criminal record. If you’re registered with Stichting CIS, there’s a good chance your application will be rejected. It’s virtually impossible to get car insurance without a background check. However, there is one insurance company you can always turn to. In this article, we’ll tell you more.
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What does an insurer check when you purchase auto insurance?
There can be various reasons for a CIS registration. An insurer conducts a check by requesting your information from the CIS Foundation. They then determine exactly what you are registered for. An insurer checks the following:
Claims
All claims you file with your insurer are tracked. It does not matter who is at fault for the damage. The factual details and personal information for each claim are retained.
Want to get auto insurance from De Vereende? Calculate your premium!
Insurance coverage for rowing provided by an insurer
An insurer has the right to cancel your insurance policy. For example, if you have failed to pay the premium for an extended period or if you have intentionally provided incorrect information. These are all valid reasons for an insurer to terminate the policy. Not all canceled policies are registered with the CIS Foundation. If, as a policyholder, you have failed to meet your contractual or financial obligations, the insurer may choose to record this in the CIS database.
Suspension of Driving Privileges
A driver's license suspension is almost always recorded with the CIS Foundation, regardless of the reason.
Uninsured Motor Vehicles
If 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 Announcements
The CIS Foundation’s database is a verification tool, not a basis for rejection. An insurer also reviews special reports. Special reports include, for example, EVRs, Confidential Notifications, information on license plate holders and drivers of uninsured motor vehicles, total loss reports, and Sanctions Lists. These are reports from which a participant can infer more about the character of the person in question or that are primarily linked to a specific vehicle.
Car Insurance Without a Credit Check: De Vereende
Are you registered with Stichting CIS? If so, there’s a good chance that a traditional insurer won’t accept you . If you want to purchase auto insurance but are turned down by a traditional insurer, De Vereende offers a solution. De Vereende is an insurance company specifically established to insure high-risk cases. If traditional insurance companies turn you down, you can always turn to De Vereende. De Vereende will always accept your car insurance application, but the premium will be higher than with a traditional car insurance policy.
Terms and Conditions of De Vereende
De Vereende does, however, impose a number of conditions for taking out insurance:
- You must pay the premium at least 3 months in advance, even if you pay monthly.
- The insurance policy will not take effect until we have received the first premium AND a signed application form.
- In most cases, Vereende also charges a security deposit averaging €175.00. This must be paid in advance. If there has been no damage by the end of the insurance period, this amount will be refunded to you.
Get car insurance without a credit check through Alpina
We recommend that you always start by using our online comparison tool, which includes all standard insurance companies. You can choose the company that suits you best and complete the entire application by answering all questions truthfully. There’s a chance the company may still be able to accept you at the standard rate. If that’s not the case, we can always place you with De Vereende. Even if you decide to purchase auto insurance from De Vereende, you can complete the application online. Do you have any questions or would you like to discuss your options? Please don’t hesitate to 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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