Can I get contents insurance with a criminal record?
Have you come into contact with the police or justice system as a suspect within the past 8 years? If so, you have a criminal record and may find it difficult to obtain contents insurance. Tricky, but certainly not impossible. When a regular insurer does not want to insure you, you can always turn to insurance company De Vereende. Read here how to take out household contents insurance with a criminal record.
My contents insurance was denied because of a criminal record
Has your contents insurance been denied because of a criminal record? This is because an insurer sees someone with a criminal record as a greater moral hazard. This assumes that someone with a criminal record is less likely to follow insurance rules or pay the premium. Insurers are very careful about this because the risk to them is greater than normal. Based on underwriting questions, insurers decide whether or not to provide insurance. For example, they look at whether the criminal record has anything to do with the insurance you want to buy. Is the risk too high? Then they will not let you get insurance. Will the insurance company accept your application? Then there are certain conditions attached, such as a higher premium.
Am I required to disclose my criminal record when purchasing contents insurance?
If you have a criminal record, you are required to disclose it if the insurer asks about it. This is because your insurer has no insight into your criminal record. They do not know about your criminal record beforehand and therefore they have no insight into the risk they face. When you conceal information during your insurance application, you are committing insurance fraud. When you are caught for insurance fraud, the problems will only get worse. Therefore, it is always best to fill in all the information on the application truthfully.
What are the consequences if I do not include my criminal record with my insurance application?
If the insurer finds out that you have withheld information, knowingly or unknowingly, they can cancel your household insurance policy immediately. You will then no longer be entitled to payment in the event of a claim or accident. You will not get back the premium you paid and you will have to pay for any damages yourself. Even if these occurred while you were still insured. In addition, you will be registered with Stichting CIS. Thus, every insurer can see in the CIS database that you have committed fraud. This makes it even more difficult to get contents insurance in the future.
Can I really not get contents insurance from a regular insurance company?
Having a criminal record does not automatically disqualify you from a regular insurance company. Each insurer has different underwriting policies. Depending on the offense and how long ago it happened, a regular insurance company may still accept your application. If you are registered for fraud, no insurer will want to accept you anymore. The risk is too great for them in that case. Fortunately, you can still go to insurance company De Vereende. They specialize in special risks and accept basically everyone. The costs will be higher than normal. The higher the risk for the insurer, the higher the premium.
Taking out De Vereende household contents insurance? Calculate your premium!
When can I purchase contents insurance from a regular insurance company again?
In general, a criminal record often expires after five years and you should be able to obtain insurance from a regular insurance company after just five years. However, if you offense was less than eight years ago, you should still mention it to the insurance company. You could then apply for a VOG (Certificate of Good Conduct) to prove that your past is not an objection to insurance. The insurer can then decide if they want to insure you or not.
Criminal record? Get your contents insurance through Alpina!
Are you having trouble getting contents insurance because of your criminal record? At Geennee.nl , you can always get insurance to protect your contents. Ideally, we will make sure you can get insurance from a regular insurance company. Is this really not possible? Then you can take out household contents insurance with De Vereende through us. Alpina is an intermediary of De Vereende. Calculate directly online the premium for your household insurance through De Vereende!
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