When does an insurance company put someone on the "blacklist"?
The answer is quite short: nobody gets on a 'blacklist'. We often hear from people that they have the idea that they are on an insurer's blacklist, but such a list does not exist. However, it is possible that you are registered in the database of the CIS Foundation. This registration may be due to various reasons. Do you not know why you have a CIS registration? If so, we advise you to submit a request to Stichting CIS to view your registration. Here we explain in which situations it is possible that you get a CIS registration.
How do you end up in the database of Stichting CIS?
CIS Foundation stores important insurance data in their database. The foundation does this with the aim of mapping out risks and preventing fraud . Insurers generally almost always check whether someone is registered in this database, before they proceed to accept an insurance request.
You may be registered in the Stichting CIS database for various reasons, including:
- Getting a driving disqualification
- Damage caused by driving an uninsured car
- Having a malus position(negative claim-free years)
- Failing to meet commitments, such as the payment of your insurance premium
- Committing fraud or otherwise misusing the insurer
You have the right to know what data of yours has been registered, therefore you can request to see your registered data. Unfortunately, due to privacy laws, we cannot provide this for you if you want to take out insurance through us.
When will my data be removed from the Stichting CIS database?
When your CIS registration is deleted varies according to the type of registration. When your CIS registration is deleted from the database depends on the type of report. After the set time per type of registration, the CIS registration will be deleted automatically. You will not be informed of this personally.
How can I delete my CIS registration?
If you want to have your CIS registration removed, you can object to the registration. If you think that the CIS registration was done wrongfully, you can submit a request for correction to your insurance company. On the website of Stichting CIS (CIS Foundation) you can download a form with which you can submit the request for correction. Here you can also indicate why, in your opinion, the registration is incorrect and should be corrected. The foundation will then submit the request to your insurer, upon which the insurer can either accept or ignore your request. If the insurance company chooses to ignore your request, the CIS registration will remain in place. If you do not agree with this, you can file a complaint with the complaints committee of your insurance company. The next step is to submit your complaint to the Financial Services Complaints Institute. The matter can also go even further and you can present your complaint to a judge. However, it is good to be aware of the fact that this often involves high costs.
Want to get insurance despite your CIS registration? Then get insurance through Alpina!
When you have a CIS registration, it can be very difficult to get insurance. In most cases, you cannot go to the regular insurers. We are therefore happy to help you take out insurance. We will always try to get you insured with a regular insurer at a regular rate. Should this prove impossible, you can take out insurance with the insurance company De Vereende through us. This insurer has a very broad acceptance policy and will accept almost anyone. With us you can already do an indicative calculation online for the premium of your insurance, so that you always know where you stand.
Calculate your insurance premium online
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