What is a CIS registration?
CIS is the abbreviation of "Central Information System Foundation. This foundation is intended for all insurers and proxies. The CIS manages information that can be of great importance to insurers. This is information that can affect the determination of a premium. An insurance policy may even be rejected on the basis of information managed by the CIS. A registration with the CIS Foundation can therefore have far-reaching consequences for the purchase of car insurance, for example. It is therefore good to look into it a little further. Because what is a CIS registration? And how can you get a CIS registration? How long will you remain registered with CIS and how do you request data? We are happy to inform you about this.
How long will I remain CIS-registered?
How long a CIS registration remains in the system depends on what has been registered. If it concerns a special report registration, your data will be kept for a maximum of 8 years. In other cases the registration will be deleted automatically after 5 years at the latest. In the case of driving disqualification, the 5-year period only begins on the last day of the disqualification.
Deleting a CIS registration before the maximum duration has expired can only be done by the person who has put the registration in the system. If you file an objection against a registration and it turns out to be justified, the insurer can remove the registration itself.
What exactly is a CIS registration?
As mentioned, the CIS foundation represents the interests of insurers. This means that the CIS foundation manages data, which may be of importance to the insurer. So see the process of CIS registration as follows:
- You apply for insurance or file a claim.
- The insurer will ask you all kinds of questions on the basis of which the policy can be drawn up, or the damage can be compensated.
- Does the insurer need more information? Then the CIS foundation will be consulted.
- A check is done in the CIS database and based on this, it is checked whether a person has filled in the application form truthfully.
By using and checking the CIS database, insurers have more security. The importance of a good risk assessment is, after all, important for the survival of the insurance sector.
For what things can you get a CIS registration?
A CIS registration can have different causes. An insurer can request the data from the CIS foundation. In doing so, it will examine what exactly you are registered for. This includes the following data:
All claims you submit to your insurer are recorded. It does not matter here who is at fault for the damage. For each claim, the factual data and personal details are kept.
Uninsured motor vehicles
When an uninsured motor vehicle is involved in an accident, the data of the owner and the driver of the vehicle will be registered by the CIS Foundation.
Insurance cancellation by insurer
An insurer has the right to terminate your insurance. If you fail to pay the premium for a longer period of time, or if the insurer establishes that you have intentionally provided incorrect information, the insurer can terminate your insurance. Not all policy terminations are registered in the CIS database. If a policyholder has not fulfilled his contractual or financial obligation, the insurer or its agent may register the termination in the CIS database.
If you are disqualified from driving, this will be recorded by the CIS Foundation.
The CIS database is a means of control, not a means of rejection. EVRs, Confidential Reports, details of license plate holders and drivers of uninsured motor vehicles, disqualifications, total loss reports and Sanctions lists are also called Special Reports. These are reports from which a participant can derive more about the morality of the person involved or which are especially linked to an object.
The consequences of a CIS registration
Insurers use the data from the CIS database when assessing new applications. Based on the data in the database, an insurer may decide not to accept an application for car insurance. For instance, for someone who is registered for committing insurance fraud, the chance is high that this person will not be accepted. By the way, in the CIS register only information related to car insurance is stored. However, insurers of other types of insurance also use the information from CIS when assessing new applications.
The Vereende and a CIS registration
When you apply for insurance or file a claim, the insurer may do a check with Stichting CIS. What the insurer does with this information varies by case and company. If, for example, you want to take out car insurance and you are not accepted by a regular company, De Vereende offers a solution.
De Vereende is a company that does want to insure special risks where regular companies drop out. De Vereende will always accept car insurance, but the premium is higher than for regular car insurance.
Frequently asked questions about CIS registration
How can I request a CIS registration?
First of all, it is wise to have a good look at your policy. In the policy conditions you can often find more information about the insurer's CIS registration policy. Also in privacy statements on the website and on claim forms this is often indicated. Do you want to request the CIS registration? In almost all cases you will receive the requested data within one month. Incidentally, CIS is not able to provide an individual explanation of the acceptance policy of insurers. This is something you have to discuss with the insurer itself.
What is an insurance blacklist?
We often hear from customers that they feel they are on an insurer's 'black list ' because of too many claims or non-payment of the insurance premium. However, such a 'blacklist' for insurance does not exist.
What is the External Referral Register (the EVR)?
The EVR registration is designed to allow other insurers to check your history and to see if you have been involved in fraudulent business.
How can I get a car insurance with a CIS registration?
Alpina is an intermediary of De Vereende. This means that with us you can take out insurance with De Vereende.
To take out insurance, De Vereende sets certain conditions:
- You pay the premium at least 3 months in advance, also when paying monthly.
- The insurance only takes effect after receipt of the first premium AND a signed application form.
- In most cases De Vereende also charges a deposit of an average of €175.00, which you must pay in advance. If there is no damage at the end of the insurance policy, this amount will be refunded to you.
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