My car insurance application was denied because of a CIS record: what can I do?

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

What is a CIS registration?

A CIS registration is a record in the Stichting CIS database. CIS stands for Central Information System. Stichting CIS stores all important insurance data in its national database. Important insurance data includes, for example, instances where someone has committed fraud or caused damage while driving an uninsured vehicle. This database is accessible to all affiliated insurers and authorized representatives. The purpose of the database is to make potential risks manageable for insurers and to prevent fraud as much as possible.

When will I receive my CIS registration?

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

• Has had his driver's license suspended
• Schade was driving an uninsured car
• A penalty status (negative claim-free years)
• Failure to fulfill agreements, such as failure to pay the insurance premium
• Committed fraud or abused 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's website.

Why Insurers Reject You If You Have a CIS Registration

Insurers actually always conduct risk assessments. When you want to purchase auto insurance, you must answer 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 required to accept your application, with the exception of health insurers. If an insurer believes that, due to your CIS registration, you pose too great a risk, they may reject your application. In doing so, the 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 strictly adhere to insurance rules or pay the insurance premium.