Can I get contents insurance with a criminal record?
If you have been in contact with the police or the courts in the past, you may have a criminal record. If someone has a criminal record, they should always mention it when applying for new insurance. For things like running a red light, or speeding, you don't have to worry. These things do not count when applying for new insurance.
The items below do affect a new application:
- A (conditional) disqualification from driving
- If you are (have been) suspected or convicted of:
- theft, embezzlement, deception, fraud, forgery or attempted theft;
- destruction and/or damage to property
- assault, extortion and deprivation, threat or other crime directed against the liberty or life of other persons or attempt to do so;
- violation of the Weapons and Ammunition Act, the Opium Act or the Economic Offenses Act.
Can I get contents insurance with a criminal record?
The issues discussed above affect your application for new contents insurance. Most insurers will not accept you if you meet any of the above cases. Thus, if you have a criminal record, most insurers will not accept you. Of course, there are several reasons why someone may have a criminal record. So it does still depend on what the reason for your criminal record is, but insurers are very careful.
Taking out household contents insurance? Calculate your premium!
How can I get contents insurance with a criminal record?
Insurers have no underwriting obligation. Thus, they are allowed to decide who they want as a customer. An exception to this rule is that only health insurers must accept everyone for basic insurance.
If you have a criminal record, there is still a chance that you can get household contents (or other insurance). We at inboedelverzekering.nl have contacts at insurance company De Vereende. You cannot take out insurance yourself, we can do that for you. This company has a broader acceptance policy and accepts in principle everyone, even in case of non-payment in the past. You should take into account that you have to pay the first 3 months in advance.
How is the value of my contents calculated?
To estimate the new value of your contents, you can use the contents value meter. This tool also guarantees against underinsurance for a period of 5 years. This is convenient because then you don't have to report every new purchase all the time. So you know that you are always appropriately insured.
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