I have a CIS registration because I haven't paid 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, it can happen that you’re unable to pay the premium once in a while, or that you simply forgot. You won’t receive a CIS registration right away in such cases. However, if you have a significant payment arrears, problems can arise. We’ll explain it to you.

I haven't paid—am I on the "blacklist" now?

To get right to the point: there is no“blacklist”for insurers. What people actually mean by that 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 deny you insurance. This is where the idea of the so-called “blacklist” comes from.

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

Have you just had a month with quite a few large expenses? If so, you may not be able to pay your insurance premium (on time). Most insurers aren’t too strict 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 information into its database, making it accessible to all affiliated insurers and authorized parties. Colloquially, a CIS registration is also referred to as the “blacklist.” There is no actual “blacklist” as such; this term simply refers to an entry in the CIS database.

If you have a CIS registration, it will have major consequences for your future insurance policies. Insurers always check the CIS database to see if a potential policyholder is registered. If so, there’s a good chance they won’t want to insure you. You’ll be considered too high a risk for 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’ll have limited options when it comes to regular insurance companies. Does that mean you can’t get insurance at all? Fortunately, you can—otherwise, you’d 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 is the go-to insurer for special risks. They have a very broad underwriting policy and, in principle, accept everyone.