Can you insure a car if you are "blacklisted" or have a CIS registration?

Can you insure a car WA with a CIS registration?

Yes, taking out third-party insurance when you are registered in the CIS database is possible. However, this will cause problems with regular insurers. You are required to take out third-party insurance if you have a car registered in your name. This should be done as soon as the license plate is registered in your name. Insurance companies do not have an underwriting obligation. This means they are not obligated to insure your car.

You will first have to look at your registration. Do you think the registration is incorrect or unjustified? Then you can submit a request for correction to the CIS foundation. Stichting CIS will then pass your request on to your insurance company. It is then up to the insurance company to decide whether or not to correct the registration.

If the registration with the CIS database remains, it means that you can only go to insurance company De Vereende. De Vereende is an insurer that insures special risks when this is no longer possible with regular insurers. De Vereende is an insurer that has a broader acceptance policy and almost everyone is accepted by De Vereende. So you can still get insurance for your car despite a CIS registration.

What does car insurance cost if you have a CIS registration?

If you have a CIS registration, the cost of insuring your car will be higher than usual. The rule among insurance companies is that the higher the risk is assessed, the higher the premium will be. In principle, insurer the Vereende will insure everyone, although the premium will be higher.

No fixed premium rates are used by insurer De Vereende. The car you wish to insure and your payment and claim history determine the rate you have to pay to have your car insured. You can obtain via alpina.nl calculate an estimate of your premium for your car insurance, so you will not suddenly be unpleasantly surprised. Anyway, the premium will have to be paid three months in advance, keep this in mind. Also, in most cases a deposit has to be paid. The Vereende can use this deposit if you do not pay correctly. When your car insurance with De Vereendeis stopped and you have always paid the premium on time, this deposit is returned to you.

How high is the fine for uninsured driving?

You may wonder if it wouldn't be better for you then to take out NO insurance at all for your car? Absolutely not. If you drive on public roads with an uninsured car, you risk hefty fines: a fine from the RDW amounts to 400 euros (Source: www.rdw.nl - 2023), and a fine from the police amounts to 65O euros (Source: boetebase.om.nl - 2023). Moreover, if you were to make damage with an uninsured car, it means that all the costs would then be for yourself. On top of that, causing damage with an uninsured car is exactly what gets you a CIS registration. This way you will still end up with the insurer De Vereende.

When can you get car insurance from a regular insurer again?

Once the CIS registration is removed, you can get insurance for your car from a regular insurer. When exactly depends on the nature of the registration. The longest a registration remains with CIS is in the case of insurance fraud. The term then is eight years. A malus position (when there are negative claim-free years) will disappear after only fifteen months. All other registrations remain on average three to five years.

Getting insurance for your car without a check

An insurer will always check the CIS database to see if your information is included. This is how an insurer quickly finds out whether or not you are registered. In other words, it is impossible to apply for insurance for your car without a check beforehand. Hence, it is important that you fill out the application truthfully. When applying for new car insurance, you should always mention details.