Due to a criminal record, I have been denied car insurance, now what?
Has your application for auto insurance been denied because you have a criminal record? Annoying, especially if your criminal record has nothing to do with your driving record. You will find that having a criminal record makes it a lot harder to get auto insurance. Can you then no longer insure a car at all? Fortunately, yes! Read here how you can still get insurance if your car insurance has been denied because of a criminal record.
Effects criminal record on your car insurance
A criminal record can have a big impact on getting car insurance, even when your criminal record has nothing to do with your driving. This is because insurers find that a criminal record does say something about your standards and values. During the insurance application process, the insurer tries to determine how high the moral hazard is. Moral hazard is the risk that someone will be less careful with the vehicle because they know they will still receive compensation if damaged. With car insurance, for example, a person may drive harder and more carelessly, because in the event of an accident or damage to the car, the insurer will pay out anyway.
However, it is not the case that no regular insurance company will accept you anymore. Each insurer has different underwriting requirements. Whether you can still get car insurance from a regular company depends on the severity of the offense and how long ago it was. Does the insurance company accept your application for auto insurance? Then certain conditions will be attached, such as a higher premium.
May an insurer cancel my insurance because of a criminal record?
Yes, an insurer may cancel insurance if you get a criminal record. Even if it turns out that you concealed your criminal record on the insurance application. This is because you are required to disclose a criminal record if the insurer asks for it. This is because your insurer has no prior insight into your criminal record. As a result, they have no insight into the risk they face. Are you concealing a criminal record? Then you are committing insurance fraud. Once the insurance company finds out that you have concealed a criminal record, they can terminate your car insurance immediately. You will then lose the right to payment in the event of a claim or accident. Moreover, you will then be registered as a fraudster in the CIS database and it will be even more difficult to get car insurance in the future.
How long will my criminal record remain registered with the CIS Foundation?
A criminal record usually expires after five years, depending on the offense. This means you should be able to get car insurance from a regular insurance company again after five years. However, if you offense was less than eight years ago, you still need to mention it to the insurance company. In that case, you can apply for a VOG (Certificate of Good Conduct). This way you can prove that your past does not (no longer) constitute an objection for insurance. The insurer must then decide whether they want to insure you or not.
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Car insurance denied because of a criminal record? Get insurance through Alpina!
Has your car insurance been denied because of a criminal record, but you still want to properly insure your car? You can always get car insurance at Alpina! Our advice is to first compare several regular car insurance policies through our online comparison tool. Do you see a car insurance that you like? Then you can go through all the questions and fill in truthfully. After that you will see if your application is accepted. Is it unfortunately not successful? Then we can always insure you with insurance company De Vereende. De Vereende specializes in insuring special risks, such as persons with a criminal record. They have a broader acceptance policy than other insurance companies and therefore accept almost everyone. Calculate directly online the premium for your car insurance through De Vereende and then close it easily!
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