My application for car insurance has been denied: what should I do?

Has your application for car insurance been denied? Very annoying to hear at the time you want to properly insure your new car! An insurer can refuse the application for various reasons. We explain what insurers look for when applying and how you can still get car insurance if your application has been denied.

What do insurers look at when applying for auto insurance?

Insurers always look at the applicant's insurance history. They do this by checking the database of the CIS Foundation. Foundation CIS keeps all important insurance information in their database. This is how insurers try to determine how likely you are to make a claim or not pay the insurance premium. This is how they determine how much risk they run. Insurers often pay attention to the following factors:

Damage history

Insurers can see in the Roy Data database how often you have made a claim. If the insurer sees that you have claimed a lot of damages, your application for car insurance may be denied. This is because insurers believe that if you have claimed many claims in the past, you will do so in the future.

Criminal history

A criminal record will make your application for auto insurance more likely to be denied, even if your criminal record has nothing to do with your driving. For insurers, someone with a criminal record poses too high a moral hazard. This is because they assume that someone with a criminal record is less compliant with insurance rules or paying the premium. As a result, many insurers consider the risk too high to insure you.

Payment history

Do you forget to pay the insurance premium once in a while? Many insurers do not immediately make this a problem. You will not immediately be registered with Stichting CIS. The insurers will first send you a payment reminder, after which you can still pay the premium. Do you often fail to pay the premium (on time)? Then chances are that your insurer will stop the car insurance. Then the insurer will report this to Stichting CIS. Your CIS registration is then visible to every affiliated insurer. Chances are that no regular insurance company will want to insure you after that.

Driving Disqualification

A driving disqualification prevents you from driving a motor vehicle for the time being. For example, you get a driving ban for driving under the influence, continuing to drive after an accident, speeding more than 50 kilometers per hour, or for driving while on a driving ban or with an invalid license. How long the driving suspension lasts depends on the size of the offense. For example, you can get a driving disqualification for a few days, a few weeks, months and sometimes even years.