Car insurance with a CIS registration
Do you have a CIS registration or think you are blacklisted for auto insurance? And do you want to purchase auto insurance? Then you may encounter problems. It is certainly possible to get car insurance with a CIS registration. Whether you can do this with a regular insurer depends on what the registration says.
Calculate your premiumWhat is a CIS registration?
A CIS registration or notification is an entry in the Central Information System (CIS) of insurers in the Netherlands, where data on insurance claims and policies are kept to prevent fraud and assess risk.
The car insurance blacklist
A CIS registration is also called the blacklist but this is not an official designation. Do you think you are (wrongly) blacklisted? You can ask Stichting CIS whether you are indeed registered and possibly request a correction.
Getting car insurance with CIS registration.
In fact, many insurance companies do not accept clients with a CIS registration because you pose too great a risk. We recommend applying for your car insurance first with a regular insurance company. Always be honest with your application. Do you lie? That will be seen as fraud and you will get into even more trouble.
Fortunately, you can get car insurance even with a CIS registration. There are other options outside the regular insurance companies to still insure your car. In fact, you can always turn to insurance company De Vereende.
The cost of getting car insurance with CIS registration
If you have a CIS registration, the cost of insuring your car will be higher than usual. With insurance companies, the higher the assessed risk, the higher the premium. At De Vereende, there are no standard premiums. The rates are tailored to your specific situation.
Insure your car with the Vereende
De Vereende was established by insurers to insure special risks and has a broader underwriting policy.
There are, however, some conditions for obtaining car insurance from the Vereende:
You pay the premium at least 3 months in advance, even when paying monthly.
The insurance only takes effect after receipt of the first premium and a signed application form.
Usually De Vereende asks for a deposit of about €175,00 in advance. If you have had no damage at the end of the insurance, you will get this amount back.
Insurers always check for a CIS registration
An insurer always looks in the CIS database to see if your information is there. This is how the insurer quickly knows if you are registered. So you cannot apply for car insurance without first checking.
Therefore, always fill out your application honestly. When applying for a new car insurance policy, you should always mention details. For example, if you have a driving disqualification, previous claims or reports of fraud.
Thus, the outcome of a CIS check largely determines whether your application will be approved or rejected. In addition, a malus registration due to negative claim-free years can also be a problem, depending on the number of malus years you have in your name. The more malus years, the greater the chance of rejection.
Tips to increase your chances
- Get a quote from a regular insurer first.
- Be completely transparent about your situation.
- Get guidance from an expert or intermediary. Get in touch if you need help.
- Collect evidence of good behavior (no claims, timely payments).
Getting car insurance after your CIS registration
Once your CIS registration is removed, you can get a regular auto insurance policy again. Make sure your financial and insurance history is clear and neat to make it easier to get new insurance.
This means paying on time and dealing fairly with future claims. It may also be helpful to seek help from our experts. They can help you choose the right insurer and guide you through this process.
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What is car insurance blacklisting?
The blacklist refers to the CIS database in which high-risk insurance records are stored. This is not an official list, but an informal name for these records.
Can I have my CIS registration removed?
In some cases you can object or request deletion, for example if the registration is unjustified or the deadline has expired. Please contact Stichting CIS for this.
Is the Vereende my only option with a CIS registration?
In most cases, yes. Other insurers have stricter underwriting criteria and usually reject immediately with a CIS listing.
Does a CIS registration affect other insurance policies?
Yes, other non-life insurance policies such as household or liability insurance may also be affected, depending on the nature of the registration.
What happens if I conceal my CIS history?
Concealment almost certainly leads to rejection or later dissolution of the policy. This can also have legal consequences.
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