What are the consequences of concealing a criminal past?
With a criminal record, it is often more difficult to obtain insurance. Therefore, you may wonder if it is not better to conceal a criminal past from the insurer. After all, it will save you a lot of hassle. However, concealing a criminal past can have major consequences.
CIS registration
Concealing a criminal history will get you a CIS registration. CIS Foundation stands for Central Information System Foundation. They keep all important insurance information in their database, such as when someone has committed fraud or driven a damage in an uninsured car. Insurers and agents can put this data into the national database. The database aims to make any risks for insurers manageable and prevent fraud as much as possible. Concealing a criminal past (knowingly or unknowingly) is considered insurance fraud. This will result in a CIS registration.
Will I now be blacklisted for insurers?
On this we can be brief: no. In fact, there is no "blacklist" for insurers at all. This term is often used in popular speech, but in fact it does not exist. When people talk about a so-called blacklist, they mean a registration in the database of the CIS Foundation.
Withholding a criminal record, can I still get insurance?
Yes, with a criminal record, there is a chance that a regular insurance company will still want to insure you. This depends on the type of offense committed and how long ago it was. In any case, the chance is higher than if you are registered as a fraudster. When you are registered for fraud, no regular insurance company will want to accept you and you will automatically end up with De Vereende. This involves extra costs. It is therefore very important that you answer all questions truthfully on your insurance application. This will prevent you from being unable to take out insurance with a regular insurance company.
De Vereende - insurance company specializing in insuring special cases
Our advice is to first use our online tool to compare insurance policies. Choose the insurance that suits you best and go through the complete application by filling in all the questions truthfully. The company may still want to insure you, even with a criminal record. Is your insurance application not accepted? Then fortunately you can always turn to insurance company De Vereende. They are specially established for insuring special risks. This can be a criminal past, but also a special vehicle or a risky event. De Vereende has a broader acceptance policy than most insurance companies and in principle accepts everyone. This ensures that you are properly insured.
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Acceptance requirements The Vereende
An insurance company estimates in advance the level of risk they will face. In particular, they look at moral hazard. In the case of someone with a criminal record, the moral hazard is often estimated to be greater. This assumes that someone with a criminal record is less likely to comply with insurance rules or pay the premium. Thus, the risk to the insurer is greater than normal. Based on this, they decide whether or not to accept the insurance application. In part, this is also true of De Vereende. They specialize in insuring special risks, and therefore run a greater risk themselves. Therefore, there must be something in return. De Vereende has a number of conditions for taking out insurance:
- You must pay three months of premium in advance, even if you choose to pay monthly instead of quarterly, semiannual or annual payments.
- The insurance starts only after the premium is paid for the first those months and they receive a signed application form.
- In most cases, you must pay a deposit. Are you late in paying the premium? Then they can use this deposit to offset the unpaid premium. If you pay the premium on time each month, you will get the deposit back when the insurance is terminated.
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