Insurers and blacklisting

CIS Foundation stands for Central Information System Foundation. They keep all insurance data that is important to share, such as when someone has committed fraud or driven a damage in an uninsured car. Insurers and agents can put this data into the national database. The database aims to make any risks manageable for insurers and 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 several 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.
• Has been issued a driving disqualification
• Drove into damage with an uninsured car
• Failed to keep agreements with the insurer, resulting in the insurance being terminated
• Committed fraud or misused the insurer in any other way

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. An exception is health insurance. A health insurer is legally required to accept you for the basic health insurance package. They are therefore not allowed to refuse you for this, but they can refuse you for supplemental insurance.

Insurers or authorized agents 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 recorded. When canceling an insurance policy, 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 eight years. If you are on the list due to a penalty (negative no-claims 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 request this information on your behalf. Due to privacy laws, insurers are not permitted to provide us with information regarding the contents of your CIS registration.

Can you still get car insurance if you have a CIS record? 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 record 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 wish to insure, as they are not required to accept all applicants. It is, of course, 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 with your scooter? Or has your license been suspended? If so, you may be having trouble insuring your scooter. At De Vereende, they don’t make a fuss about 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.

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 insure accessories and motorcycle gear. 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 their property. You can purchase liability insurance for yourself or for your entire family. You can also insure your pet. That’s great, because it means you’re covered if, for example, your dog accidentally destroys a family member’s couch.

Withhome insurance from de Vereende, you’re covered for damage to your home. This also includes fixtures (items that can’t be moved), such as a kitchen. While it’s certainly nice to have the option of turning to De Vereende, you’ll likely find cheaper coverage with another insurance company. You don’t have to stay with De Vereende forever. As soon as your CIS registration is removed or expires, you can take out insurance with another insurance company.