Insurance Companies and the Blacklist

CIS Foundationstands for Central Information System Foundation. It stores all insurance data that is important to share, such as when someone has committed fraud or caused damage while driving an uninsured car. Insurers and authorized representatives can enter this data into the national database. The purpose of the database is to make potential risks manageable for insurers and to prevent fraud as much as possible.

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Yes, a list like that is actually a myth. There is no blacklist, but you can have a CIS registration. Insurers can check whether you have a CIS registration and why.

There are various reasons why you might be registered with the CIS Foundation. Let’s take car insurance as an example. You may be registered if you:

• You have a negative number of claim-free years, which has resulted in the termination of your insurance policy.
• Has had hisdriver's license revoked
• Drove a car that was not insured and caused damage
• You failed to comply with the terms of the agreement with the insurer, resulting in the termination of the insurance policy
• Has committed fraud or otherwise taken advantage of the insurer

Of course, this applies not only to auto insurance, but also to scooter insurance and home contents insurance, among others. For example, if you haven’t paid the premium for your home contents insurance and the policy has been canceled by the insurer, you will also be registered. Health insurance is an exception. A health insurer is legally required to accept you for the basic health insurance plan. They cannot refuse you for this, but they can refuse you for supplemental insurance plans.

Insurers or authorized representatives affiliated with CIS must include a clear reference to this. For example, in their policy terms and conditions, on claims forms, in the privacy statement on their website, or in their consumer information. This way, as a consumer, you know that personal data may be collected. When an insurance policy is canceled, the insurer must also notify you in writing.

How long a CIS record remains on file depends on the type of report. For example, a claim report or a driver’s license suspension is removed after five years. A record of insurance fraud remains in the CIS database for up to 8 years. If you are on the list due to a “malus” status (negative claim-free years), the record remains on file for fifteen months.

Are you registered with CIS? If so, you can submit a request to view your file. You can send a written request by mail, along with a copy of your ID. Unfortunately, if you wish to purchase insurance through Alpina, we cannot retrieve this information for you. Due to privacy laws, insurers are not permitted to provide us with information about the contents of your CIS registration.

Can you still get car insurance if you’re registered in the CIS? If you’re listed in the CIS database, not many insurers will accept you as a policyholder. As you read earlier, you can file an objection in the hope that your CIS registration will be removed. If that doesn’t work, you can always contact the insurance company De Vereende. They specialize in special cases when it comes to insurance. De Vereende has a more lenient underwriting policy than other insurers. In principle, the insurance company accepts everyone. However, this does come with a higher premium.

Your home contents insurance may also be declined. Insurers are free to decide whom they want to insure, as they are not required to accept all applicants. It’s obviously very frustrating to be turned down when you’re trying to get proper coverage for your belongings. You can also turn to de Vereende insurance company for your home contents insurance. One of the conditions, however, is that you pay the first three months’ premium in advance.

Have you caused too much damage while riding your scooter? Or has your license been suspended? If so, you might have trouble insuring your scooter. At De Vereende, they don’t make a big deal out of it, and you can still insure your scooter. In addition to the four standard coverages, you can also choose certain supplemental coverages. This allows you to customize your scooter insurance policy.

Once you’ve purchased a motorcycle, you naturally want to make sure it’s properly insured. You can choose from a variety of coverage options. You can even include accessories and motorcycle gear in your policy. Apply for motorcycle insurance online with De Vereende.

You can purchase liability insurance through Vereende. This covers you for accidental damage you cause to another person or to another person’s property. You can purchase liability insurance for yourself alone or for your entire family. You can also insure your pet. That’s great, because it means you’re covered, for example, if your dog accidentally destroys a family member’s couch.

Withhome insurance through De Vereende, you’re covered for damage to your home. This also includes fixtures (items that cannot be moved), such as a kitchen. Although it’s certainly nice to be able to turn to De Vereende for insurance, you’ll likely find cheaper rates with another insurance company. You don’t have to keep your insurance with De Vereende forever. As soon as your CIS registration is removed or expires, you can take out a new policy with another insurance company.