I have a CIS registration because I have not paid for my insurance: what should I do?

Do you have a CIS registration? There could be several reasons for this. One of them is failure to pay your insurance premium. Of course, there may be times when you’re unable to pay the premium, or perhaps you simply forgot. In such cases, you won’t immediately receive a CIS registration. However, if you have a significant payment arrears, problems may arise. We’ll explain it to you.

I did not pay, am I now on the "blacklist"?

To get straight to the point: there is no“blacklist”for insurers. What people actually mean is the CIS Foundation’s database. So you won’t end up on a “blacklist” if you don’t pay your insurance premiums, but you will be registered in the CIS database. Insurers can view your information in the CIS database. If they believe you pose too great a risk, they can refuse to insure you. This is where the idea of the so-called “blacklist” comes from.

What are the consequences if I don't pay my insurance?

Have you had a month with quite a few large expenses? If so, you may find yourself unable to pay your insurance premium (on time). Most insurers are fairly flexible about this. You’ll first receive a warning, after which you can still pay the premium. However, if you consistently fail to pay the premium, there’s a chance your insurer will cancel your policy. The insurer will then report this to Stichting CIS. CIS stands for Central Information System. Stichting CIS enters your data into their database, making it accessible to all affiliated insurers and authorized agents. In common parlance, a CIS registration is also referred to as the “blacklist.” A true “blacklist” does not actually exist. This term simply refers to an entry in the CIS database.

If you have a CIS record, it will have a significant impact on your future insurance coverage. Insurers always check the CIS database to see if a potential policyholder is listed. If they are, there is a good chance they will refuse to insure you. You would then pose too great a risk to the insurance company.

How can I still get insurance with a CIS registration?

In principle, you can always submit a request for correction to your insurer. However, you must have a valid reason and be able to demonstrate that the CIS registration is unjustified or incorrect. If your CIS registration is valid, you will have limited options when it comes to regular insurance companies. Does that mean you can’t get insurance at all? Fortunately, no—otherwise, you would never be able to drive your car or ride your scooter on the road again.

Even if you have a CIS registration, you can still turn to De Vereende insurance company. This insurance company specializes in high-risk coverage. They have a very broad underwriting policy and, in principle, accept everyone.