Can you get household insurance when you are registered as a defaulter?
In the past, you may have had your insurance cancelled because you did not pay your premium on time. If this has occurred in the past 8 years, you must always mention this cancellation with every new application. In principle, it then does not matter which new insurance you want to take out, it applies to all insurance. This is because when you want to take out new insurance, you will be asked a number of underwriting questions. One of those questions is:
"In the last 8 years, have you ever had insurance cancelled?"
So you must also answer "yes" to this question if, for example, your car or scooter insurance has been cancelled in the past. When applying for a new household insurance policy, you must therefore indicate if an insurance policy has been discontinued due to non-payment.
Can my insurance just be cancelled by my insurer?
Insurance is never just cancelled by your insurer. You are always informed by your insurer first. Reminders and demands for payment will be sent. So the insurer will always give you a chance to still make the payments due.
However, it may happen that you still pay late. In that case, this is a valid reason for the insurer to terminate your policy (s). Insurers also call this an expulsion for non-payment. Your insurer will register you in its system and possibly also in the CIS system.
Taking out Vereende household contents insurance? Calculate your premium!
What are my options when insurance has been cancelled to me for non-payment?
Insurers are very cautious about defaulters. Most insurers (except health insurers) do not have an underwriting requirement. Thus, they are allowed to decide who they want to insure. In most cases, insurers will not readily accept defaulters. This is because insurers do not want to run the risk of non-payment of premiums.
However, there is always a possibility for defaulters. Inboedelverzekering.nl contacts at the Vereende insurance company. This company has more flexible rules for defaulters. One condition is that the first 3 months must be paid in advance. You cannot take out insurance with this company yourself. We at inboedelverzekering.nl help you with this. For a no-obligation quote, please contact us by phone. You can reach us every working day on the following number: 085 – 029 5182.
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