Car insurance has been denied because of CIS registration: what can I do?

Has your car insurance application been denied because of a CIS record? If so, the insurer considers you too high a risk. With a CIS record, there’s a good chance you won’t be able to get car insurance from a traditional insurance company. Fortunately, you can still insure your car with De Vereende.  Read here to find out how you can still get car insurance with a CIS record.

What is a CIS registration?

A CIS registration is a registration in the database of the CIS Foundation. CIS stands for Central Information System. The CIS Foundation keeps all important insurance data in their national database. Important insurance data are, for example, when someone has committed fraud or has driven a damage in an uninsured car. This database is accessible to all affiliated insurers and agents. The purpose of the database is to make any risks for insurers manageable and to prevent fraud as much as possible.

When do I get a CIS registration?

There are several situations in which you may be issued a CIS registration. For example, you may be registered if you:

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

If you don't know why you have a CIS registration, you can submit a request to view your registration through the CIS Foundation website.

Why insurers turn you down if you have a CIS registration

Insurance companies always conduct risk assessments. When you want to purchase car insurance, you must complete a series of underwriting questions. These questions cover topics such as your insurance history and criminal record. Based on these underwriting questions, they decide whether to accept or reject your application. An insurer is not obligated to accept your application, with the exception of a health insurer. If an insurer believes that, due to your CIS registration, you pose too great a risk, they may reject your application. In doing so, an insurer assesses the moral risk. For someone with a CIS registration, the moral risk is often assessed as higher. They assume that someone with a CIS registration is less likely to adhere strictly to insurance rules or pay the insurance premium.