Can you get household insurance when you are registered as a defaulter?
In the past, you may have had your insurance cancelled because you did not pay your premium on time. If this has occurred in the past 8 years, you must always mention this cancellation with every new application. In principle, it then does not matter which new insurance you want to take out, it applies to all insurances. This is because when you want to take out a new insurance policy, you will be asked a number of underwriting questions. One question is: 'Have you ever had insurance cancelled in the last 8 years?'
Thus, to this question you must also answer "Yes" if your car or scooter insurance has been cancelled to you. Thus, when applying for a new household insurance policy, you must indicate if an insurance policy has been discontinued due to non-payment.
Can my insurance just be cancelled by my insurer?
Insurance is never simply cancelled by your insurer. You will first be notified by your insurer. Reminders and demands for payment will then be sent, for example. The insurer will always give you a chance to make the payments you owe. However, it may happen that you still pay late and then that is a valid reason for the insurer to terminate your policy (s). Insurers also call this a cancellation for non-payment. Your insurer will register you in its system and possibly also in the CIS system.
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What are my options when insurance has been cancelled to me for non-payment?
Insurers are very cautious about defaulters. Most insurers (except health insurers) do not have an underwriting requirement. Thus, they are allowed to decide who they want to insure. In most cases, insurers will not readily accept defaulters. This is because insurers do not want to run the risk of non-payment of premiums.
However, there is always another option for defaulters. Inboedelverzekering.nl has contacts at insurance company De Vereende. This company has more flexible rules for defaulters. One condition is that the first 3 months have to be paid in advance. You cannot take out insurance with this company yourself. We at inboedelverzekering.nl can help you with this. For a free quote, please contact us by phone. You can reach us every working day at the following number: 085 - 029 5182.
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