Can I take out home contents insurance if I have a criminal record?

Have you come into contact with the police or the courts as a suspect during the past 8 years? Then you have a criminal past and it can be difficult to take out contents insurance. Difficult, but certainly not impossible. If a regular insurer will not insure you, you can always turn to the insurance company De Vereende. Read here how to take out household contents insurance with a criminal record.

My home contents insurance has been refused because of a criminal record

Has your home contents insurance been refused because of a criminal past? This is because an insurer sees someone with a criminal past as a greater moral risk. The assumption here is that someone with a criminal record is less likely to follow the insurance rules or pay the premium. Insurers are very cautious about this because the risk to them is greater than normal. Based on acceptance questions, the insurer decides whether or not they want to take out an insurance policy. For example, they look at whether the criminal past has anything to do with the insurance you want to take out. Is the risk too great? Then they will not allow you to take out insurance. Does the insurance company accept your application? If so, they will attach certain conditions to it, such as a higher premium.

Am I obliged to disclose my criminal record when taking out home contents insurance?

If you have a criminal past, you are obliged to mention it if the insurer asks for it. Your insurer has no insight into your criminal record. They are not aware in advance of your criminal past and therefore have no insight into the risk they run. When you withhold information during your insurance application, you commit insurance fraud. If you are caught committing insurance fraud, the problems will only get bigger. Therefore, it is best to always fill in all the information on the application truthfully.

What are the consequences if I do not mention my criminal record in my insurance application?

If the insurer finds out that you have withheld information, whether deliberately or not, they can cancel your home contents insurance with immediate effect. You will then no longer be entitled to payment in the event of damage or an accident. You will not get back the premium you paid and you will have to pay any damages yourself. Even if these happened while you were still insured. In addition, you will be registered with the CIS Foundation. This way, every insurer sees in the CIS database that you have committed fraud. This makes it even more difficult to take out household contents insurance.