My home insurance application was denied: what should I do now?

Can I be denied home insurance just like that?

Of course, an insurer doesn’t jump to conclusions. If you miss a payment just once, the insurer won’t immediately label you a delinquent. Maybe you’ve just had a month with a lot of large expenses, which is why you can’t pay the premium on time. Or maybe you’ve just moved, so the bill slipped your mind. Most insurers aren’t too strict about this. You’ll first receive a reminder, after which you can still pay the insurance premium. However, if you still haven’t paid after several warnings from the insurer, the insurer will consider you a delinquent payer. The insurer will then report you to 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 stores all important insurance data in its national database. For example, it records instances where someone has committed fraud or caused damage while driving an uninsured vehicle. This data is important to insurers because, among other things, they use it to decide whether to accept or reject an insurance application. Affiliated insurers and authorized agents can enter data into the database. The purpose of the database is to make potential risks manageable for insurers and to prevent fraud as much as possible. Colloquially, people sometimes refer to a so-called “blacklist,” but no such list exists. This is what is meant by the CIS database.

If you are registered in the CIS database, this can have major consequences for your current and future insurance policies. Before an insurer accepts an application for home insurance, they always check whether the applicant is registered with Stichting CIS. If this is indeed the case, there is a chance that the insurer will reject your application. An insurer may reject your application because they consider you too high a risk due to your CIS registration. This makes it difficult to obtain home insurance from a standard insurance company.

How can I purchase home insurance with a CIS registration?

If your home insurance is denied due to a CIS registration, your only real option is the insurance company De Vereende. De Vereende was founded specifically to insure special risks. They have a more lenient underwriting policy and can therefore insure almost anyone. Keep in mind, however, that you’ll pay a higher premium with de Vereende than you might be used to. This is because de Vereende assumes a higher risk when insuring individuals with a CIS registration. They need to be compensated for this. That’s why you’ll also have to pay three months’ premium in advance and a security deposit.

Take out home insurance with Vereende through Alpina

Was your application for home insurance denied? Through Alpina, you can still take out home insurance with De Vereende. We are an insurance broker for De Vereende, which means we can provide you with expert advice when you take out the policy. We’re the only place in the Netherlands where you can calculate an estimated premium for your home insurance. You can use our handy online comparison tool to do this. After entering some personal information, you’ll immediately see an estimate of the monthly premium.

See also:

• My home contents insurance claim was denied: what should I do now?
• My car insurance application was denied. What should I do now?
• Home Contents Insurance with CIS Registration