How can I insure my car if I have a CIS registration?

Are you trying to get car insurance even though you’re listed in the CIS database? If so, you’ll find that it’s not going to be easy. Most insurers refuse to cover people listed in the CIS database, mainly because of the high risk they pose. But what should you do if you’re listed in the CIS database and still want to get car insurance? And how much will it cost?

Am I on the “blacklist” for auto insurance?

No, you are not on the blacklist. In fact, there is no such thing as a blacklist for insurers. This refers to the CIS Foundation’s database. Your information is stored in the CIS database and is accessible to insurers and authorized representatives.

Can I get third-party liability insurance for my car if I have a CIS registration?

Yes, it is possible to purchase liability insurance with a CIS registration. However, it is very likely that you won’t be able to do so through a regular insurance company. If you own a car, you are required to purchase liability insurance. You must do so as soon as the license plate is registered in your name. However, insurers are not required to sell you insurance; they have no obligation to accept you as a policyholder.

First, you can review your registration. Do you suspect that it is incorrect or unjustified? If so, you can submit a request for correction through Stichting CIS. They will forward your request to your insurer. The insurer will then decide whether to remove the registration or leave it as is.

Will the CIS registration remain in effect? If so, your only option is really to turn to the insurance company De Vereende. This insurance company covers special risks that regular insurance companies usually decline to insure. De Vereende has a more lenient underwriting policy and accepts almost everyone. This means you can still get auto insurance even with a CIS registration.

CIS Registration: How Much Does It Cost to Insure a Car?

Your car insurance premiums will likely be a little higher than usual. With insurers, the rule is generally: the higher the risk, the higher the premium. De Vereende Insurance Company insures just about anyone, but there has to be something in return—namely, a higher premium.

De Vereende Insurance Company does not use fixed premium rates. What you ultimately pay for your auto insurance depends on the car you want to insure and your claims and payment history. You can use Geennee.nl to get an estimate of your premium in advance. This way, you won’t face any unpleasant surprises. In any case, you should keep in mind that you must pay three months’ premium in advance. In most cases, you’ll also need to pay a security deposit. If you do not pay your premium on time, De Vereende may use this security deposit to offset the unpaid premium. You will receive this security deposit back after your insurance with De Vereende has ended, provided you always pay your premium on time.

Save on Car Insurance

Now you might be wondering: wouldn’t I save a lot of money if I just didn’t get car insurance at all? The answer to that is a resounding no. If you drive your car without insurance, you risk hefty fines: €400 from the RDW and as much as €550 from the police. If you cause damage while driving an uninsured car, you’ll have to cover all the costs yourself. What’s more, causing an accident while driving an uninsured car is exactly the kind of situation that will result in a CIS registration. So, in the end, you’ll end up at the insurance company De Vereende anyway.