When do I get on an insurance 'blacklist'?

We can be brief about this: you will not beblacklisted. We often hear from customers that they think they have been blacklisted by an insurance company. However, there is no such thing as a blacklist. You may, however, be registered with the CIS Foundation. People often refer to the database of Stichting CIS as the 'blacklist'.

A CIS registration can have several causes. Do you not know why you are registered with Stichting CIS? Then you can submit a request to Stichting CIS for inspection. You can use the online form to gain access to your data. We explain in advance in what situations you will get a CIS registration.

How do I get into the CIS database?

CIS stands for Central Information System. Stichting CIS stores all important data in their database. In this way, they try to map possible risks and prevent fraud as much as possible. Insurers can check whether someone is in the database before they decide whether to accept the policyholder.

There are several reasons why you may be registered in the CIS database. You may be registered because you:

• Committed fraud or otherwise misused the insurer
• Has been banned from driving
• Damage caused by an uninsured vehicle
• A malus position (negative claim-free years) has
• Failed to honour agreements, such as non-payment of insurance premiums

You have the right to know what personal data has been recorded. Therefore you can request to see your registration. Unfortunately, we cannot do this for you, not even when you want to take out insurance through us. This has to do with the privacy legislation.

When will CIS remove my registration from the database?

When your CIS registration disappears from the database depends on the type of report:

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After this time, your CIS registration will automatically be deleted from the database. You will not be personally informed when the registration has been deleted.