Everything You Need to Know About CIS Registration

CIS stands for Stichting Centraal Informatie Systeem (Central Information System Foundation). The CIS Foundation stores all insurance data that is important to share with insurers, such as claims reports, instances of fraud, or accidents involving uninsured vehicles. Insurers and authorized representatives can enter this data into the national database. The purpose of the database is to make potential risks for insurers manageable and to prevent fraud as much as possible.

There may be certain records about you in the CIS database, for example, if you:

• Claims insurance coverage
• Has had his or her driver's license revoked
• Drove a car that was not insured and caused damage
• You failed to comply with the terms of the agreement with the insurer, resulting in the termination of the insurance policy.
• Has committed fraud or otherwise taken advantage of the insurer.

Insurers or authorized representatives affiliated with CIS must clearly indicate the use of the CIS database. For example, in their policy terms and conditions, on claims forms, in the privacy statement on their website, or in their consumer information. This way, as a consumer, you know that your personal data is (or may be) recorded.

When you apply for insurance or file a claim, the insurer verifies whether the answers you provided are truthful. A check is performed in the CIS database, and based on that, they determine whether you filled out the application form truthfully. During this check, they verify whether there are any records in the CIS database and, if so, what those records are. If you are registered in the CIS database, that is not a reason to reject your insurance application. A CIS registration therefore does not necessarily affect an insurance application. However, if the entry in the CIS database is a fraud report, this could have consequences.

If you believe your CIS registration is incorrect or unjustified, you can always contest it. You can file an objection by submitting a request for correction directly to your insurer or through Stichting CIS. On the Stichting CIS website, you can download a form where you explain why you believe the registration should be corrected. Stichting CIS will then submit the request to your insurer. The insurer must then either accept or reject your request. If your request is denied, the CIS registration will remain in effect. Do you disagree with this decision? Then you can file a complaint with the insurer’s complaints committee. The next step is to submit the complaint to the Financial Services Complaints Institute. As a last resort, you can take your complaint to court. Keep in mind, however, that this often involves high legal costs, such as attorney’s fees.

Unfortunately, you cannot delete a CIS registration yourself. Neither the CIS Foundation nor your new insurer can do this for you. The organization that registered you must be the one to delete the registration. That is why it is important to know who registered you and why. To find this out, you can submit a request for access to the CIS Foundation. If you request your registration details from the CIS Foundation, you will receive an exact record of the information stored about you in the CIS database: who registered you, when, and why.

A CIS registration does not necessarily pose a problem when it comes to taking out insurance. The underwriting policy of the insurer to which the insurance application was submitted, combined with the answers you provided during the application process, determines whether or not you will be accepted as a policyholder. Whether you are listed in the CIS database—and how often—does not affect this decision. This is because the CIS database is used as a verification tool, not as a basis for rejection. By using and checking the CIS database, insurers gain greater certainty.

You are required to have at least liability insurance for your car. Without liability insurance, you are not allowed on the road and therefore cannot use your car. The Vereende insurance company has a more lenient underwriting policy and, in principle, accepts everyone. At the Vereende, you can always purchase car insurance, even if you have a CIS registration.

Have you been involved in too many accidents with your scooter? Or have you, for whatever reason, had your driver’s license suspended? Your accident reports and driver’s license suspension are likely recorded in the CIS database. Don’t worry—you can always turn to De Vereende. That way, you can still insure your scooter. In addition to the four standard coverages, you can also choose from a range of supplemental coverages. This way, you can customize your scooter insuranceexactly as you want.

Are you the proud owner of a motorcycle? Then, of course, you’ll want to make sure it’s properly insured. Motorcycle insurance from De Vereende ensures that you’re covered in the event that you cause damage to others. You can also choose between limited comprehensive coverage and full comprehensive coverage. Even any accessories can be included in the coverage. That way, you can be sure your motorcycle is fully insured in the event of damage.

Home contents insurance is actually indispensable. After all, your belongings at home can be damaged in many different ways. With de Vereende home contents insurance, the insurer will cover the damage, and the damaged items can be repaired or replaced. You can easily apply for your home contents insurance online. Please keep in mind that your insurance policy with de Vereende won’t take effect until you’ve paid the first premium AND returned the application form, fully completed and signed. It may therefore take a few days before you’re covered.

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It’s also possible to purchase liability insurance through Vereende. This way, you’re covered for damage you accidentally cause to another person or to someone else’s property. You can insure yourself, your partner, or your entire family. You can even insure your pet. So if your pet accidentally causes damage, you’re still covered.

We’re the only place in the Netherlands where you can calculate an estimated premium for your insurance policy with Vereende in advance. That way, you won’t be faced with any surprises later on. You can use our handy online comparison tool to do this. After entering some personal information, you’ll see an estimate of your monthly premium. Please note that this is just an estimate; after you submit your application, Vereende will calculate the final premium.