How can I get liability insurance if I'm on the "blacklist"?

To get right to the point: the“blacklist”for insurers is a myth. There is no blacklist at all; what’s actually being referred to here is a CIS registration. Your information is stored in the Stichting CIS database. Insurers and authorized agents can view your information when you apply for insurance. Based on this, they may deny you liability insurance. So this is not because you’re on a so-called “blacklist.”

It is required by law in the Netherlands to have liability insurance for your car. Do you have a CIS registration? If so, it can be difficult to obtain liability insurance from a standard insurance company. Fortunately, even with a CIS registration, you can always turn to the insurance company De Vereende. They specialize in high-risk cases and have a more flexible underwriting policy. That way, you’ll never have to drive without insurance.

Purchasing liability insurance: How much does it cost with a CIS registration?

De Vereende Insurance Company does not have fixed premium rates. They review each situation individually and provide customized quotes. The final cost depends on the vehicle you want to insure and your payment and claims history. There are, however, a number of costs to take into account, namely:

• A higher premium than that of other insurance companies
• You often have to pay three months' premiums in advance
• In most cases, you'll pay a security deposit

A higher premium than that of other insurance companies

With insurers, the rule is always: the higher the risk, the higher the premium. De Vereende specializes in insuring special risks, which is why its premiums are higher than those of other insurance companies. At De Vereende, they broadly categorize these higher risks into two groups:

• The Policyholder’s Insurance History
  The risk may stem from the policyholder’s insurancehistory. For example, in cases of fraud, nonpayment, a criminal record, or an excessive number of claims. This risk is actually related to your CIS registration. When the risk is often too high for a standard insurance company, you can still get insurance through De Vereende.

• High-risk property
  They also insure properties that pose a higher-than-usual risk, such as an MMBS vehicle. Other examples include motorized events or liability insurance for a tattoo shop.