Can I get auto insurance with a registration as a defaulter?
Maybe it has happened to you too: you are moving and lose a note from your car insurance, making you late in paying. Or your bank account is just short of a balance while the premium is being written off. If you are late paying your car insurance one time, you will not immediately be known as a defaulter. If you are late in paying multiple times or don't pay at all, there are serious consequences. If you are registered as a defaulter, chances are that you will not be able to get car insurance from a regular insurance company.
If you fail to pay an insurance bill, you will initially receive a payment reminder from your insurer. After the first reminder, you will receive a second reminder and then possibly another reminder. Are you 30 days late in paying? Then the insurer can suspend your car insurance. This means you no longer have coverage and your car is therefore not insured. The insurance is not yet terminated, but 'frozen' as it were.
If you are more than 50 days late in paying the premium, your insurer can cancel your car insurance. Cancellation means that your insurer terminates the car insurance. You no longer have to pay insurance premiums, but your car is therefore no longer insured.
If the insurer cancels your insurance for non-payment, this is registered with the CIS Foundation. Stichting CIS registers all insurance information that is important to share. All member insurance companies can access the database to obtain, store and exchange information about their customers.
Purchase car insurance after default - De Vereende
Getting car insurance when you are registered as a defaulter is quite difficult. When filling out an insurance application, a number of questions are always asked, such as "Have you ever been denied or cancelled insurance?". If you answer 'Yes' to this question, the insurer will check whether you are sometimes registered in the CIS database. If they see that you have a CIS registration for non-payment most insurers will refuse your application.
In that case you can actually only turn to insurance company De Vereende. De Vereende was founded especially for insuring special cases and risks. Where regular insurance companies drop out, De Vereende will accept the insurance application. With a broader acceptance policy, they basically accept everyone. Thus, even with a registration as a defaulter, you can still get car insurance.
You do need to consider some costs. With insurance it is actually always true: the higher the risk, the higher the premium. De Vereende runs a higher risk than normal and has therefore drawn up a number of conditions for taking out insurance:
- A higher premium
- You must pay three months of premium in advance
- You pay a deposit
Taking out De Vereende car insurance? Calculate your premium!
Registered as a defaulter? Get car insurance through Alpina
Are you registered as a defaulter, but still want to take out car insurance? Via Alpina, you can easily take out car insurance with De Vereende. You can calculate an indication of the premium online. This way you already have an idea of the monthly costs. After submitting your application, you will receive a final offer from De Vereende. They deliver customized solutions and therefore assess each application separately.
Do you still have questions? If so, please be sure to contact us. From Monday to Friday from 8 a.m. to 6 p.m. you can consult one of our insurance specialists by telephone. You can reach us at telephone number 088 - 688 37 00. Does a question arise in the evening or during the weekend that you would like to ask directly? Then you can also send us a message via Messenger, WhatsApp or e-mail. We will try to answer your question as soon as possible!
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.