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

Has your car insurance been refused because of a CIS registration? Then the insurer thinks you are too big a risk. With a CIS registration there is a big chance that you cannot get car insurance from a regular insurance company. Fortunately, you can always insure your car with the insurance company De Vereende. Read here how you can still get car insurance with a CIS registration.

What is a CIS registration?

A CIS registration is a registration in the database of Stichting CIS. CIS stands for Central Information System. Stichting CIS stores all important insurance data in their national database. Important insurance details are, for example, when someone has committed fraud or has driven a damaged vehicle without insurance. This database is accessible to all affiliated insurers and agents. The aim 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 various situations in which you can get a CIS registration. For example, you may be registered when you:

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

Do you not know why you have a CIS registration? Then you can request to see your registration through the website of Stichting CIS.

Why insurers refuse you if you have a CIS registration

Insurers actually always perform a risk analysis. When you want to take out a car insurance, you have to fill in a number of acceptance questions. These questions concern, for instance, your insurance history and criminal record. Based on these acceptance questions, they decide whether to accept or reject your application. An insurer is not obliged to accept your application, with the exception of a health insurer. If an insurer thinks that you, because of your CIS registration, pose too great a risk, they can reject your application. In doing so, an insurer looks at the moral risk. The moral risk for someone with a CIS-registration is often considered to be higher. They then assume that someone with a CIS registration is less strict with the insurance rules or with paying the insurance premium.

car insurance refused cis

How can I get car insurance with a CIS registration?

You have already noticed: taking out a car insurance is difficult with a CIS registration. When you submit your application for car insurance, the insurer first checks the database of the CIS Foundation to see if you are registered. If you are, chances are that an insurer will reject your application. If your CIS registration is correct, you will not be able to take out an insurance with a regular insurance company. You will then automatically end up at the insurance company De Vereende. De Vereende was founded by insurers especially for insuring special risks. Here you can think of a CIS registration, but also of insuring a special vehicle or risky event.

De Vereende car insurance? Calculate your premium!

CIS registration? Get car insurance through Alpina!

On GeenNee.nl you can easily calculate an indication premium for your De Vereende car insurance. You must take into account a number of extra costs. The following applies to insurance: the higher the risk, the higher the premium. This is also the case with De Vereende. The monthly premium will be somewhat higher than normal. You also have to pay the first three months of premium in advance, and you pay a deposit when taking out the insurance.

Do you still have questions about the possibilities of car insurance with De Vereende or do you wish to consult someone? Please contact us! Together we will find the best car insurance for you. You can reach us at telephone number 088-688 37 00 or send us a message via chat, WhatsApp or Messenger.

Calculate the premium for your car insurance directly via De Vereende!

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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