Can you get home contents insurance if you're listed as a delinquent payer?
In the past, it may have happened that one of your insurance policies was canceled because you did not pay your premium on time. If this has happened within the past 8 years, you must always disclose this cancellation on every new application. In principle, it doesn’t matter what type of new insurance you want to purchase—this applies to all insurance policies. When you apply for a new insurance policy, you’ll be asked a number of underwriting questions. One of those questions is:
“Has any of your insurance policies been canceled in the past 8 years?”
You must therefore also answer “yes” to this question if, for example, your car or scooter insurance was canceled in the past. When applying for new home contents insurance, you must therefore indicate if a policy was canceled due to nonpayment.
Can my insurer cancel my insurance policy without any reason?
Your insurer will never simply cancel your insurance policy. Your insurer will always notify you first. For example, they will send payment reminders and demands for payment. The insurer will therefore always give you a chance to make the payments you owe.
However, there may be instances where you still pay late. In that case, this constitutes a valid reason for the insurer to terminate your policy or policies. Insurers also refer to this as termination due to nonpayment. Your insurer will record this in its system and, if applicable, in the CIS system as well.
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What are my options if my insurance policy has been canceled due to nonpayment?
Insurers are very cautious when it comes to policyholders with a history of nonpayment. Most insurers (except health insurers) are not required to accept all applicants. This means they can decide for themselves whom they want to insure. In most cases, insurers are unlikely to accept policyholders with a history of nonpayment. This is because insurers do not want to run the risk of premiums going unpaid.
However, there is still an option for those who have defaulted on payments. Inboedelverzekering.nl has connections with the insurance company de Vereende. This company has more flexible rules for those who have defaulted on payments. One condition, however, is that the first 3 months must be paid in advance. You cannot take out insurance directly with this company. We at inboedelverzekering.nl can help you with this. For a no-obligation quote, please contact us by phone. You can reach us every business day at the following number: 085 – 029 5182.
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