If you have been in contact with the police or justice system 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 violations do not count when applying for new insurance.
The items below do affect a new application:
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 a person may have a criminal record. So it still depends on the reason for your criminal record, but insurers are very cautious in this regard.
Taking out household contents insurance? Calculate your premium!
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 (or other) insurance. This is because 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 have to take into account that you have to pay the first 3 months in advance.
To estimate the new value of your household contents, you can use the household contents value meter. This tool also provides a guarantee 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 you are always adequately insured.
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