There are several reasons why you may be turned down for contents insurance. For example, it could 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.
Similarly, 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.
Taking out household contents insurance? Calculate your premium!
CIS Foundation is an abbreviation for Central Information System. This system is maintained by the various insurers. Only insurers and agents have access to this national database. This database stores details of people who have committed fraud or never paid anything. When an insurer registers you with CIS, you will be notified of this 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:
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.
The examples mentioned above, such as paying late or committing fraud, can 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 on a structural basis. As a result, you will be registered as a defaulter in the CIS database. To avoid this, it is important that you pay your bills on time.
At inboedelverzekering.nl , we always inboedelverzekering.nl along with you. If you have been refused, we can still find a suitable option for you. First, we will try to place you with a regular insurer. If this is not possible, we will come up with an alternative. In most cases, you can always turn to Vereende (formerly Rialto). This insurance company will almost always accept an insurance policy, but the premiums are many times higher than those of regular companies. In addition, the premium often has to be paid in advance for the first three months.
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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