What is a CIS registration?
A CIS record is a negative entry regarding your insurance history in a database. Insurers use this system to assess risks when issuing insurance policies. Do you have a CIS record—for example, due to your claims history or because you’ve been banned from driving? If so, it will be more difficult to get insurance. But it’s not impossible.
Take out insuranceCIS Foundation (Central Information System)
CIS Foundation stands for Central Information System Foundation. It is a database containing information about individuals’ insurance history. Insurers consult this CIS record to verify your insurance history and better assess risks when evaluating a new application.
This allows insurers to determine whether they will accept you as a customer and what premium they will charge. For example, if you want to purchase auto insurance.
It is primarily a monitoring tool, not a means of rejection or a blacklist. A CIS registration indicates how reliable a person is and helps detect fraud, nonpayment, and high claims rates. Insurers are not required to accept applications, with the exception of health insurers.
Was your CIS registration denied? Get insurance through Vereende
De Vereende is an insurance company that is willing to insure special risks, such as a CIS registration. For example, De Vereende will always accept your application for auto insurance or other types of insurance. However, the premium is higher, and additional conditions apply.
The Consequences of CIS Registration
A negative CIS record could result in you having to pay more for your insurance or being unable to obtain new insurance. If you are listed for insurance fraud, there is a good chance you will not be accepted. Have you only filed a single claim? In that case, you run little risk of encountering problems due to this record.
Each insurer decides for itself whether a CIS registration is grounds for rejecting the application.
A CIS registration affects other insurance policies
The CIS registry stores only information related to auto insurance. However, insurers offering other types of insurance also use CIS data when evaluating new applications—for example, when someone applies for home contents insurance.
How CIS Registration Works When Applying for Insurance
- You apply for insurance or file an insurance claim.
- The insurer will ask you all sorts of questions, which it uses to draw up the policy or determine whether to pay a claim.
- As a standard procedure, the insurer submits a request to Stichting CIS for more information about your insurance history.
- The insurer checks the information in the CIS database and verifies that you have filled out the application form truthfully.
- Do you have a CIS registration? If so, the insurer may decide not to accept your application.
4 Reasons to Register with CIS
There can be various reasons for a CIS registration. If an insurer requests your information from the CIS Foundation, the insurer will also know exactly why you are registered.
1. Claims Reports
All claims you file with the insurer are recorded. It does not matter who is at fault for the damage. The factual details and personal information for each claim are retained.
2. Uninsured Motor Vehicles
If an uninsured motor vehicle is involved in an accident, the CIS Foundation records the information regarding the vehicle's owner and driver.
3. Failure to Pay or Providing Incorrect Information
An insurer may cancel your insurance policy if you have not paid the premium for a long time or if you have intentionally provided false information. If you fail to meet your contractual or financial obligations, the insurer may record the cancellation in the CIS database.
4. Driving ban or criminal history
If you are issued a driving ban, the CIS Foundation will record it.
Duration of a CIS registration
How long a CIS registration remains in the system depends on what has been registered:
- If your report is classified as special, your information will be retained for up to 8 years.
- In all other cases, the record is automatically deleted after no more than 5 years.
- In the event of a driver's license suspension, the five-year period does not begin until the last day of the suspension.
Overview of CIS Registrations
| Type of report | Registration Duration |
|---|---|
| Negative claim-free years | 15 months |
| Failure to Meet a Financial Obligation | 3 years |
| Damage | 5 years |
| Suspension of Driving Privileges | 5 years |
| Failure to Fulfill Contractual Obligations | 5 years |
| Insurance Fraud | 8 years |
Request for Access to CIS Registration Records
You have the right to know what information may be on file about you. This right is enshrined in the General Data Protection Regulation (GDPR). To exercise this right, submit a request for access via the CIS website and include a copy of your identification document.
Do you think the information in your registration is incorrect? If so, please contact your insurer immediately or use the correction form on the CIS website.
Remove CIS Registration
Claim-free years do not affect a CIS registration
Claim-free years and a CIS registration are separate from one another. Claim-free years determine your no-claim discount and are tracked in the Roy-data database. Insurers use this database to calculate discounts.
A claim can, however, be recorded in both systems: in Roy-data to update your no-claims years, and in CIS as an informational record for insurers.
Frequently Asked Questions About CIS Registration
How can I get auto insurance if I have a CIS record?
Even though you are registered with CIS, you can still easily purchase car insurance through De Vereende. However, because of your registration, De Vereende does impose certain conditions on the insurance policy. Learn more about purchasing car insurance through De Vereende.
How long does data remain in the CIS registry?
The retention period varies depending on the type of record. Claims are typically retained for 5 years, while records of fraud or nonpayment may remain on file for up to 8 years. During this period, it becomes more difficult to obtain insurance. Not every insurer will accept your insurance application.
What does a CIS registration mean for my insurance application?
Insurers use the CIS registry to check your claims and payment history. A negative entry in the registry can result in higher premiums or even a rejection of your application. In that case, you can still purchase insurance through Vereende.
Does CIS registration affect my premium?
Yes, if you have a negative CIS record, insurers will view you as a higher risk. This may result in a higher premium or limited coverage. De Vereende will always accept your insurance application.
What should I do if an insurer rejects my application because of a CIS registration?
You can try another insurer, but if you’re turned down everywhere, you can turn to specialized providers such as de Vereende. You can also file an appeal with Stichting CIS if your registration was unjustified.
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