Building insurance has been denied: now what?

Can I just be turned down for buildings insurance?

Of course, an insurer doesn't jump to conclusions. If you fail to pay once, the insurer does not immediately see you as a defaulter. Maybe you've just had a month with quite a few large expenses, making it impossible for you to pay the premium on time. Or you just moved house, so the bill slipped your mind. Most insurers don't give you a hard time about this. You will initially receive a reminder, after which you can still pay the insurance premium. But do you still not pay after several warnings from the insurer? Then the insurer sees you as a defaulter. The insurer will then register you with Stichting CIS. With a CIS registration, your application for home insurance will almost certainly be denied.

CIS registration

CIS stands for Central Information System. The CIS Foundation keeps all important insurance data in their national database. They register, for example, when someone has committed fraud or has driven damage in an uninsured car. This data is important to insurers because it is one of the bases on which they decide whether to accept or refuse an insurance application. Affiliated insurers and agents can put data into the database. The database aims to make any risks for insurers manageable and prevent fraud as much as possible. People also speak of a so-called black list, but no such list exists. What is meant here is the CIS database.

If you are registered in the CIS database, this can have major consequences for your (future) insurance policies. Before an insurer accepts an application for home insurance, they always check whether the applicant is registered with the CIS Foundation. If this is indeed the case, chances are that the insurer will refuse your application. An insurer may refuse your application because they feel you pose too great a risk with a CIS registration. Taking out home insurance with a regular insurance company then becomes difficult.

How can I purchase homeowners insurance with a CIS registration?

If your building insurance is refused because of a CIS registration, you can actually only go to insurance company de Vereende. De Vereende was founded especially for insuring special risks. They have a broader acceptance policy and can therefore insure almost anyone. Keep in mind that you will pay a higher premium with the Vereende than you might be used to. This is because the Vereende has a higher risk when insuring individuals with a CIS registration. There must be something in return. That is why you also have to pay three months of premium in advance and pay a deposit.

Take out home insurance with the Vereende through Alpina

Has your application for building insurance been refused? Via Alpina you can still take out a home insurance policy with the Vereende. We are an intermediary of de Vereende, which means that we can advise you well in taking out the insurance. We are the only company in the Netherlands where you can calculate an indicative premium for your home insurance. For this you can use our handy online comparison tool. After filling in some personal data you will get an indication of the monthly premium.

Also read:

• Contents insurance has been declined: now what?
• My car insurance is denied, now what?
• Contents insurance with CIS registration.