Purchasing Auto Insurance with a CIS Registration
Do you have a CIS record, or do you think you’re on a blacklist for auto insurance? And do you want to purchase auto insurance? If so, you may run into some problems. It is certainly possible to purchase auto insurance even with a CIS record. Whether you can do this with a regular insurer depends on what’s in your record.
Calculate Your PremiumWhat is a CIS registration?
A CIS registration or report is an entry in the Central Information System (CIS) maintained by insurers in the Netherlands, which tracks data on insurance claims and policies to prevent fraud and assess risks.
The Blacklist for Auto Insurance
A CIS registration is sometimes referred to as the “blacklist,” but this is not an official term. Do you think you’ve been (wrongfully) placed on the blacklist? You can contact the CIS Foundation to find out whether you’re actually registered and, if necessary, submit a request for correction.
Purchasing Car Insurance with CIS Registration
Many insurance companies do not accept customers with a CIS registration because you are considered too high a risk. We recommend that you first apply for car insurance with a regular insurance company. Always be honest on your application. If you lie, it will be considered fraud and you’ll end up with even more problems.
Fortunately, you can still get car insurance even with a CIS registration. There are other options besides traditional insurance companies that allow you to insure your car. You can always turn to the insurance company De Vereende.
The cost of purchasing auto insurance with CIS registration
If you have a CIS registration, the cost of insuring your car will be higher than usual. Insurance companies generally charge higher premiums as the assessed risk increases. At De Vereende, there are no standard premiums. Rates are tailored to your specific situation.
Insure Your Car with De Vereende
De Vereende was founded by insurers to provide coverage for special risks and has a more flexible underwriting policy.
There are, however, a few conditions for purchasing auto insurance from De Vereende:
You must pay the premium at least 3 months in advance, even if you pay monthly.
The insurance policy does not take effect until the first premium and a signed application form have been received.
Vereende usually requires a security deposit of approximately €175.00 in advance. If you have not filed any claims by the end of the policy term, this amount will be refunded to you.
Insurance companies always check for a CIS registration
An insurance company always checks the CIS database to see if your information is there. This allows the insurance company to quickly determine whether you are registered. Therefore, you cannot apply for auto insurance without this being verified first.
Therefore, always fill out your application honestly. When applying for new auto insurance, you must always disclose any relevant details. For example, if you have had your license suspended, have filed previous claims, or have been reported for fraud.
The results of a CIS check therefore largely determine whether your application is approved or rejected. In addition, a penalty record due to negative claim-free years can also be a problem, depending on the number of penalty years listed under your name. The more penalty years you have, the greater the chance of rejection.
Tips to Increase Your Chances
- First, request a quote from a traditional insurance company.
- Be completely transparent about your situation.
- Let an expert or intermediary guide you. Please contact us if you need help.
- Gather evidence of good standing (no claims, timely payments).
Taking Out Car Insurance After Your CIS Registration
If your CIS registration has been removed, you can take out regular auto insurance again. Make sure your financial and insurance history is clear and in order so you can get new insurance more easily.
This means you must pay on time and handle future claims fairly. It may also be helpful to ask our experts for assistance. They can help you choose the right insurer and guide you through this process.
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Frequently Asked Questions About Purchasing Auto Insurance with a CIS Registration
What is the blacklist for auto insurance?
The "blacklist" refers to the CIS database, which contains high-risk insurance data. This is not an official list, but rather an informal term for these records.
Can I have my CIS registration removed?
In some cases, you can file an objection or request removal, for example, if the registration is unjustified or the time limit has expired. To do so, please contact the CIS Foundation.
Is De Vereende my only option with a CIS registration?
In most cases, yes. Other insurers have stricter underwriting criteria and usually reject applications outright if the applicant has a CIS listing.
Does CIS registration affect other insurance policies?
Yes, other types of property and casualty insurance, such as home contents or liability insurance, may also be affected, depending on the nature of the registration.
What happens if I don't disclose my CIS history?
Failure to disclose information will almost certainly result in the policy being denied or, later on, canceled. This may also have legal consequences.
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