Can you get auto insurance with a CIS registration?
Do you have a CIS registration? If so, you may have already noticed that buying car insurance is more difficult than usual. A CIS registration means that you are registered in the database of Stichting CIS. Stichting CIS stores important insurance data in their national database. Think of cases of insurance fraud, non-payment or very many claims. This database is accessible to all insurers and affiliated agents. This means that an insurer will first consult the CIS database before accepting you as a policyholder. If you are registered, obtaining auto insurance will be difficult. So is it even possible to get car insurance with a CIS registration? In this article, we will explain it to you.
Car insurance with CIS registration
Insuring a car with a CIS registration is difficult, but why? This is because insurers always carry out a risk analysis. Before they accept you as a policyholder, they want to know how likely it is that you will make one or more claims in the future. If you are registered in the CIS database, insurers will see you as an increased risk. They will assume that someone with a CIS registration is less compliant with insurance regulations or that he will not fulfil his payment obligations. Not all insurers are keen on that. Moreover, with the exception of health insurers, they do not have an acceptance obligation. When an insurance company considers you too great a risk because of your CIS registration, the company can reject your insurance application. You will then automatically end up with an insurance company that specialises in insuring risks, but at a much higher premium.
Car insurance with CIS registration: de Vereende
We always recommend that you first submit your application for car insurance to a regular insurance company. Always fill in all acceptance questions truthfully. When you lie on your insurance application, this is seen as insurance fraud and you will be even worse off. However, there is always a chance that a regular insurance company will accept your application. Are you refused a car insurance because of a CIS registration? Then you can always turn to the insurance company de Vereende. This company was founded by insurers to be able to insure special risks. However, there are some conditions for taking out car insurance with De Vereende:
- You pay the premium at least 3 months in advance, also when paying monthly.
- The insurance only takes effect after receipt of the first premium AND a signed application form.
- In most cases De Vereende also charges a deposit of an average of €175. This must be paid in advance. If no damage has occurred at the end of the insurance policy, this amount will be refunded to you.
Car insurance with a CIS registration? Calculate your premium directly at Alpina.nl!
With us you can always calculate the premium for a car insurance, both with a regular company and with de Vereende. In any case, take into account a higher premium. The rule with insurers is always: the higher the risk, the higher the premium.
Do you have any questions about the possibilities of car insurance with a CIS registration? Then please do not hesitate to contact us! We are available from Monday to Friday from 08.00 to 18.00 on 088 - 688 37 00. You can also send us a message via chat, Messenger or WhatsApp.
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