Can I get auto insurance with a CIS registration?

Yes, you can still get car insurance even if you have a CIS record. However, there’s a good chance you won’t be able to do so through a standard insurance company. Most insurers refuse to cover people with a CIS record because they consider them too high a risk. That’s why insurers have set up a company specifically to insure high-risk cases.

That’s why they’ve set up an insurance company specifically to cover special risks. Fortunately, this means you can still get car insurance even with a CIS registration.

Car insurance with a CIS registration with a regular insurance company

Insurers always assess the risk they face. This primarily involves the risk of damage occurring, which would require them to pay out a claim. If someone is considered a high-risk individual, certain conditions will apply when taking out insurance. These may include a higher premium or exclusions from coverage in certain situations. It may also mean that your insurance application is denied.

Does a CIS record mean you can never again purchase car insurance from a standard insurance company? No, once your CIS record has been removed, you can once again purchase insurance from a standard insurance company. The timeframe varies depending on the type of report. A report of insurance fraud remains on record the longest, specifically for 8 years. A penalty status (negative no-claims years) disappears after 15 months. All other reports usually remain on record for 3 or 5 years.