All about a CIS registration

CIS stands for Central Information System Foundation. Stichting CIS stores all insurance data that is important to share with insurers, such as claim reports, when someone has committed fraud, or has driven damage in an uninsured car. Insurers and agents can put this data into the national database. The database aims to make any risks manageable for insurers and prevent fraud as much as possible.

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

• Claiming insurance coverage
• Received a disqualification from driving
• Drove into damage with an uninsured car
• Failed to keep agreements with the insurer, resulting in the insurance being terminated.
• Committed fraud or otherwise misused the insurer.

Insurers or authorized agents affiliated with CIS must clearly indicate their 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 information you provided is accurate. A check is performed in the CIS database, and based on that, they determine whether you have completed 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 your insurance application. However, if the entry in the CIS database is a fraud report, this may 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 accept or reject your request. If your request is denied, the CIS registration remains 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 fees.

Unfortunately, you cannot delete a CIS registration yourself. Neither Stichting CIS nor your new insurer can do this for you. The organization that registered you must also 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 Stichting CIS. If you request your registration details from Stichting CIS, you will receive an exact copy of the information stored about you in the CIS database: who registered you, when, and why.

A CIS record does not necessarily pose a problem when it comes to obtaining 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 you appear there therefore has no bearing on this. 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. De Vereende Insurance has a more lenient underwriting policy and, in principle, accepts everyone. At De Vereende, you can always get car insurance, even if you have a CIS record.

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 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 additional coverages. This way, you can customize your scooter insuranceexactly to your needs.

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

Home contents insurance is actually essential. After all, the items in your home can be damaged in many different ways. With 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 note, however, that your insurance with de Vereende will not take effect until you have paid the first premium AND returned the application form fully completed and signed. It may therefore take a few days before you are covered.

Taking out De Vereende household contents insurance

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You can also purchase liability insurance through Vereende. This covers you for any accidental damage you cause to another person or their 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 get an estimate of your insurance premium with Vereende right now. That way, you won’t be in for any surprises later. 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.