Can you get home insurance if 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 happened in the past 8 years, you should always mention this cancellation with every new application. In principle, it does not matter which new insurance you want to take out, it applies to all insurances. When you want to take out a new insurance policy, you will be asked a number of acceptance questions. One question is: 'Have you ever cancelled an insurance in the past 8 years?
You must therefore also answer 'Yes' to this question if your car or scooter insurance has been cancelled. When applying for new home contents insurance, you must therefore indicate if the insurance has been terminated due to non-payment.
Can my insurance be cancelled by my insurer?
An insurance policy is never cancelled by your insurer just like that. You will first be informed by your insurer. Reminders and demands for payment will then be sent, for example. The insurer will always offer you a chance to pay the amounts owed. However, it may happen that you pay too late and then this is a valid reason for the insurer to terminate your policy (policies). Insurers also call this a cancellation for non-payment. Your insurer will register you in its system and possibly also in the CIS system.
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What are my options if an insurance policy has been cancelled for non-payment?
Insurers are very careful with defaulters. Most insurers (except health insurers) do not have an acceptance obligation. So they can decide for themselves who they want to insure. In most cases, insurers will not readily accept defaulters. Insurers do not want to run the risk of non-payment of premiums.
However, there is always another option for defaulters, as Inboedelverzekering.nl has contacts at insurance company De Vereende. This company has more flexible rules for defaulters. One condition is that the first 3 months have to be paid in advance. You cannot take out insurance with this company yourself. We at inboedelverzekering.nl can help you with this. For a free quote, please contact us by phone. You can reach us every working day on the following number: 085 - 029 5182.
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