When can I get a report from Stichting CIS?
The Central Information System Foundation ( CIS) is in the business of registering various data about consumers for various insurers. When submitting a claim to your insurer, you could be registered with the CIS Foundation.
Stichting CIS is the representative of insurers. They enable insurers to exchange information with each other. The foundation also supervises the exchange of information. In order to prevent and counter any abuse when submitting claims, participating insurers can use the information of Stichting CIS.
Every time you submit a claim to your insurer, you can be registered with Stichting CIS. Because the question of guilt is not a determining factor here, anyone can come into contact with Stichting CIS. If you have an unusually large number of claims or have failed to meet certain obligations, your insurer may terminate the insurance. This termination will also be included in the database of Stichting CIS.
Different types of registrations
What exactly is a CIS registration? Every CIS registration has something to do with your insurance history. The registration includes all data that gives the insurer insight into your insurance past. The database of Stichting CIS contains several registrations. You may be registered, among others, because of:
- committingfraud in claiming a loss
- termination/cancellation by the insurance company
- a judicial and police record
- an unusual damage history.
An insurance company has, under certain conditions, the right to cancel an insurance. The cancellation of an insurance, for example when you have not paid the premium on time, is called expulsion.
Removing a CIS registration
An entry in the CIS database remains registered for a maximum of 5 years. However, if it concerns a "special report", for example in the case of fraud, the report will remain registered for up to 8 years. After 5 or 8 years the registration is automatically deleted from the database.
It may be that you do not agree with the registration in the database of Stichting CIS. If you wish to have the registration removed before the maximum registration period has expired, you may lodge an objection. If your objection is justified, the registration can be removed by the insurer. This can only be done by the person who entered the registration into the system.
Viewing a CIS registration
You have the right at all times to inspect which data of yours are registered by Stichting CIS. If you want to exercise this right, you can submit a request to inspect the data to Stichting CIS. You can do so by completing the inspection form on the website of CIS.
After completing and submitting the web form, you will receive an e-mail, which you should sign and send together with a copy of a valid identification document to [email protected].
If you prefer to send your request by post rather than using the web form, you can download and print the request for inspection. Please send the completed form with your signature and a copy of a valid identification document to:
CIS Foundation
For the attention of the Visiting Team
PO Box 91627
2509 EE THE HAGUE
Normally you will hear within 28 days whether you are registered in the CIS database. If this is the case, you will also receive an overview of the report in question. You will also be able to see who initiated this report.
Company De Vereende
You may wonder whether it is still possible to take out insurance if you have a CIS registration. Most insurers ask CIS for information when someone wants to take out insurance or when someone files a claim. What an insurer decides on the basis of the information obtained, differs per company and per situation. In most cases, however, you cannot go to a regular insurance company with a CIS registration. De Vereende can then offer you a solution.
Where most regular insurance companies decide not to serve you, De Vereende is a company that does want to insure special risks. Although the premium is higher than with a regular insurance company, De Vereende will always accept your insurance application.
If you want to take out insurance, De Vereende only sets a few conditions:
- the premium must always be paid at least 3 months in advance
- the term of the insurance will only start after receipt of the first premium payment and the signed application form
- With De Vereende you pay, in most cases, a deposit of on average € 175. This deposit must be paid in advance. If at the end of the insurance no damage is claimed, this amount will be refunded.
Have you been rejected by an insurance company because you have a registration with Foundation CIS? Alpina can accept you. Alpina is an intermediary of insurance company De Vereende. You can calculate the premium and apply for the insurance online.
De Vereende Insurances
De Vereende offers various types of insurance:
- building insurance: this insures you for damage to your home and all its immovable property (all the things in your home that cannot be moved)
- household effects insurance: coverage of all movable items (all the things in your home that can be moved) belonging to the private household
- liability insurance: with this insurance you are insured against all damage that you cause unintentionally to someone else or to the belongings of another person
- car insurance.
Contamination of CIS database
The TV programme Kassa has discovered that the database of Stichting CIS does not only contain claims. There is also data registered from people who have only made a request for information. This has created a polluted database. See more about this here.
Calculate your insurance premium online
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.