Rejected for contents insurance, now what?
There are several reasons why you may be turned down for contents insurance. For example, it may happen that you pay the bill late, or that it gets lost during a move. Should you often pay late, there may of course be consequences. Insurers may consider this a valid reason to refuse you.
Also, if you want to claim too many claims, your contents insurance may be affected. Of course, it also depends on how many claims you want to claim in a given period of time. Insurers may penalize multiple claims with a premium increase, curtailment of coverage or ultimately cancellation of your contents insurance.
Taking out household contents insurance? Calculate your premium!
CIS: Central Information System
CIS Foundation is an abbreviation for Central Information System. This system is maintained by the various insurers. Only insurers and proxies can enter this national database. This database stores data of persons who have committed fraud or never paid anything. When an insurer registers you with CIS you will be notified in writing. The CIS Foundation is also known by the term "Blacklist."
Taking out Vereende household contents insurance? Calculate your premium!
In the following situations, insurers may refuse your contents insurance:
- Failure to pay the premium
- Criminal record
- Driving Disqualification
- Committing fraud
- (Too many) damages
- Uninsured for too long
- Young driver i.c.w. a fast/expensive vehicle
Insurers do not have to accept every customer. They are allowed to decide who they want as a customer. Only health insurers are required to accept everyone for basic insurance. When applying for new insurance, insurers consult the database of Stichting CIS. Stichting CIS registers data of people who have had to deal with fraud, claims and driving disqualifications.
How can I avoid being rejected?
The examples mentioned above, such as paying late or committing fraud, may be reasons for an insurer to refuse you. Of course, it can happen occasionally that you pay a bill late. This is not a big problem. It only becomes a problem when you start paying late systematically. As a result, you will be registered as a defaulter in the CIS database. To avoid this, it is important that you pay your invoices on time.
What can I do if I have been rejected?
We at inboedelverzekering.nl always think with you. If you have been refused, we can still find a suitable option for you. Initially, we will try to place you with a regular insurer. When this does not work out, we will think of an alternative. Usually, you can always go to De Vereende (formerly Rialtio). The insurance company will almost always accept an insurance, but the premiums are many times higher than with regular companies. In addition, the premium must often be paid in advance for the first 3 months.
Want to know more?
For questions, you can always contact us. Also, you can always reach us at the number 085 - 029 5182. Furthermore, you can easily calculate the premium for your household insurance with our tool. This tool can be found at the bottom of this page.
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