Can I delete a CIS registration?
Do you have a CIS registration? Only the person who registered you can remove the registration before its term has expired. You cannot remove your CIS registration from the system yourself, but you can contest it if you believe the registration is unjustified. We’ll explain how you can have a CIS registration removed.
Challenging an Unjustified CIS Registration
If you suspect that your CIS registration is unjustified or incorrect and you want to have it removed, you can always file an objection. To do so, you can submit a request for correction to your insurer. On the Stichting CIS website, you can download a form where you explain why you believe the registration should be corrected. Stichting CIS will forward the request to your insurer. The insurer will then decide whether to accept or reject the request.
If your insurer denies your request, your CIS registration will remain in effect. If you disagree with this decision, you can file a complaint with the insurer’s complaints committee. If that does not resolve the issue, 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. However, this often involves high legal costs.
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When will my CIS registration be automatically deleted?
Whether your CIS registration is removed from the database depends on the type of report:
| Type of report | Registration Duration |
|---|---|
| Negative claim-free years | 15 months |
| Failure to Meet a Financial Obligation | 3 years |
| Damage | 5 years |
| Suspension of Driving Privileges | 5 years |
| Failure to Fulfill Contractual Obligations | 5 years |
| Insurance Fraud | 8 years |
After this period, your CIS registration will be automatically removed from the database. You will not be personally notified when the registration is removed.
Are you registered with CIS? If so, you can submit a request to view your file. You can send a written request by email or mail, along with a copy of your ID. Unfortunately, if you wish to purchase insurance through Alpina, we cannot request this information on your behalf. Due to privacy laws, insurers are not permitted to provide us with information about the contents of your CIS registration.
CIS registration not removed? Get insurance through Alpina!
If your insurer decides not to remove the CIS registration, your only option for insurance is actually the Vereende insurance company. De Vereende was specifically established by insurers to cover special risks. They have a more lenient underwriting policy and, in principle, accept anyone as a policyholder. Of course, this comes with a number of conditions. For example, the insurance premium is significantly higher than at other companies, you must pay three months’ premium in advance, and in most cases, you’ll have to pay a security deposit.
We are the only provider in the Netherlands where you can calculate an estimated premium for your insurance policy through Vereende online. That way, you’ll know exactly where you stand in advance. Please keep in mind, however, that your insurance coverage does not take effect until you’ve paid the first premium and returned the application form, fully completed and signed. As a result, it may take a few days before your coverage begins.
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