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All about blacklisted insurers

You may have heard of it: insurance blacklisting. A term that is often used colloquially, but actually doesn't exist at all. Yet at Alpina, we often hear from customers that they think they are on an insurance blacklist. So is a blacklist a myth? We list all the facts for you below!

What is the CIS Foundation?

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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Blacklisted insurance or CIS Foundation?

Yes, such a list is actually a myth. A blacklist does not exist, but you can have a CIS registration. Insurers can check whether you have a CIS registration and why.

When do I get a CIS registration?

You may be registered with the CIS Foundation for a variety of reasons. Let's take car insurance as an example. You can be registered when you:

  • has a negative number of claim-free years, as a result of which the insurance was terminated.
  • Has been issued a driving disqualification
  • Has caused damage with an uninsured car
  • You have not fulfilled agreements with the insurer, as a result of which the insurance has been terminated
  • Committed fraud or misused the insurer in any other way

Of course, this applies not only to car insurance, but also to scooter insurance and household insurance, among others. For example, if you have not paid the premium of your contents insurance and it has been cancelled by the insurer, you will also be registered. One exception is health insurance. A health insurance company is required by law to accept you for the basic package of a health insurance policy. So they may not refuse you for this, but they may refuse you for supplementary insurance.

Insurers or agents who are affiliated to CIS must have a clear reference. For example in their policy conditions, on the claim forms, in the privacy statement on their website or in their consumer information. In this way, you as a consumer know that personal data can be registered. When terminating an insurance policy, the insurer must also inform you in writing.

How long does a CIS registration last?

How long a CIS registration remains depends on the type of report. A claim notification or a driving disqualification, for example, is removed after five years. A registration of insurance fraud is kept in the CIS database for a maximum of 8 years. If you are on the list because of a malus position (negative claim-free years), the registration will remain for fifteen months.

Are you registered with CIS? Then you can submit a request for access to your file. You can send a written request by mail with a copy of your ID. If you wish to purchase insurance through Alpina, we unfortunately cannot request this information for you. Insurers are not allowed to give us information about the content of your CIS registration due to privacy laws.

How to purchase insurance with a CIS registration?

You may notice that taking out insurance is difficult with a CIS registration. When you want to take out an insurance policy, the insurer first checks the CIS database to see whether you are registered. If you are, there is a good chance that it will not be possible to take out the insurance. What can you do if you are registered in the CIS database, but you still want to take out an insurance?

Objecting

Do you have a CIS registration, but do you think it is incorrect or unjustified? If so, you can submit a request for correction to the insurer via CIS. On the CIS website, you can use a form to indicate which details are incorrect and why you think so. CIS will then present the request to your insurer. The insurer can also choose to reject the request, which means that your CIS registration will remain unchanged. If you do not agree with this, you can submit a complaint to the insurer's complaints committee. There is also the option of submitting a complaint to the Financial Services Complaints Institute. The last step is to take your complaint to court.

CIS registration? GeenNee.nl helps you with your insurance!

Do you have a CIS registration and are you unable to take out insurance? We will be happy to help you! Our mission is to place you with a regular insurance company. Should that still not be possible, then we cooperate with the insurance company De Vereende. With us you can very easily calculate online an indication premium for your insurance through De Vereende. Do you still have questions or do you want to discuss the possibilities? Then please contact us. You can reach us at telephone number 088-688 37 00. Together we will make sure that you are well insured.

Insuring a car with a CIS registration

With a CIS registration, can you still get auto insurance? If you are in the CIS database, there are not many insurers who will accept you as a policyholder. As you read earlier, you can object in the hope that your CIS registration will be removed. Should that fail, you can always contact insurer De Vereende. They specialize in special cases when it comes to insurance. De Vereende has a broader acceptance policy than other insurers. In principle, the insurance company accepts everyone. However, this is offset by a higher premium.

Insure contents with CIS registration

Your household insurance can also be refused. Insurers may decide for themselves who they want to insure, as they do not have a duty of acceptance. Of course it is very annoying to be refused when you want to insure your belongings properly. For your household contents insurance you can also go to insurance company De Vereende. One of the conditions is that you pay the first three months premium in advance.

Insuring a scooter with a CIS registration

Have you driven too much damage with your scooter? Or have you had a driving disqualification? Then you may have problems insuring your scooter. At De Vereende they do not make a problem of this and you can still insure your scooter. In addition to the four standard coverages, you can also choose certain additional coverages. This way you can compose your scooter insurance yourself.

Insuring a motorbike with a CIS registration

When you have purchased a motorcycle, you naturally want it to be properly insured. You can choose from different coverages. In addition, you can even insure accessories and motorcycle clothing. Apply online for your motorcycle insurance at De Vereende.

Liability insurance with CIS registration

It is possible to take out liability insurance through De Vereende. Thus you are insured against damage that you accidentally cause to another person or to the belongings of another person. You can take out liability insurance for you alone or for your entire family. It is also possible to insure your pet. Very nice, because this way you are also insured, for example, if your dog accidentally breaks a family member's couch.

Home insurance with CIS registration

With a building insurance via De Vereende you are insured against damage to your home. This also includes immovable goods (goods which cannot be moved), such as for instance a kitchen. Although it is of course nice that you can turn to the insurance company De Vereende, you will probably be cheaper with another insurance company. Your insurance does not have to go through De Vereende forever. As soon as your CIS-registration is removed or expired you can take out another insurance with another insurance company.

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