If you have had any run-ins with the police or the justice system in the past, you may have a criminal record. If someone has a criminal record, they must always disclose it when applying for new insurance.
You don't need to worry about things like running a red light or speeding. These violations don't count when you apply for new insurance.
The following factors do affect a new application:
The issues discussed above affect your application for new home contents insurance. Most insurers will not accept you if you fall into one of the categories listed above. So if you have a criminal record, most insurers will not accept you. Of course, there are various reasons why someone might have a criminal record. It does depend on the reason for your criminal record, but insurers are very cautious in this regard.
Want to get home contents insurance? Calculate your premium!
Insurers are not required to accept everyone. They are therefore free to decide for themselves whom they want as customers. The only exception to this rule is that health insurers must accept everyone for basic health insurance.
If you have a criminal record, there’s still a chance you can get home contents insurance (or another type of insurance). That’s because we at inboedelverzekering.nl have connections with the insurance company De Vereende. You can’t take out a policy here on your own, but we can do that for you. This company has a more flexible underwriting policy and, in principle, accepts everyone, even those with a history of non-payment. You should keep in mind, however, that you’ll need to pay the first 3 months in advance.
To estimate the replacement value of your household contents, you can use the household contents value calculator. This tool also provides coverage against underinsurance for a period of 5 years. This is convenient because it means you don’t have to keep reporting every new purchase. That way, you know you’re always adequately insured.
Create Your Own Package
We compare all insurance companies for you, saving you time
Can't figure it out? Our experts are always ready to help you
Having trouble figuring it out online? We're happy to help you via chat or WhatsApp.
We are open Monday through Friday from 8:00 a.m. to 6:00 p.m.
