When do I get "blacklisted" by an insurance company?

Let’s be clear about this: you won’t end up on a“blacklist.” We often hear from customers who think they’re on an insurance company’s blacklist. However, no such blacklist exists. You may, however, be registered with Stichting CIS. Colloquially, people often mistakenly refer to Stichting CIS’s database as the “blacklist.”

There are several reasons why you might be registered with CIS. If you’re unsure why you’re registered with Stichting CIS, you can submit a request for access to your data. You can use the online form to view your information. We’ll explain the situations in which you might be registered with CIS.

How do I get into the CIS database?

CIS stands for Central Information System. The CIS Foundation keeps all important data in their database. This is how they try to identify possible risks and prevent fraud as much as possible. Insurers can check whether someone is in the database before deciding whether to accept the policyholder.

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

• Committed fraud or otherwise misused the insurer
• Received a driving disqualification
• Has driven damage with an uninsured vehicle
• A malus position (negative claim-free years) has
• Failed to keep appointments, such as non-payment of insurance premiums

You have the right to know what personal data has been recorded. That is why you can submit a request to access your records. Unfortunately, we cannot do this for you, even if you wish to purchase insurance through us. This is due to privacy laws.