What are the consequences of concealing a criminal past?

With a criminal past, it is often more difficult to get insurance. Therefore, you may wonder whether it is not better to conceal a criminal past from the insurer. That saves you a lot of hassle. Concealing a criminal past, however, can have major consequences.

CIS registration

Concealing a criminal past will result in a CIS registration. Stichting CIS stands for Stichting Centraal Informatie Systeem. They store all important insurance details in their database, such as when someone has committed fraud or has driven a car without insurance. Insurers and proxies can enter this data into the national database. The purpose of the database is to make any risks manageable for insurers and to prevent fraud as much as possible. Concealing a criminal past (whether intentionally or not) is regarded as insurance fraud. This will result in a CIS registration.

Will I now be blacklisted by insurers?

We can be brief about this: no. There is no such thing as a 'blacklist' for insurers. This term is often used in popular speech, but in fact it does not exist at all. When people talk about a so-called blacklist, they are referring to a registration in the database of the CIS Foundation.

Can I still take out insurance if I have a criminal record?

Yes, with a criminal past there is a chance that a regular insurance company will still want to insure you. This depends on the type of offence committed and how long ago it was. In any case, the chance is higher than when you are registered as a fraudster. When you are registered as a fraudster, no regular insurance company will accept you and you will automatically end up with De Vereende. This involves extra costs. It is therefore very important that you answer all the questions on your insurance application truthfully. In this way you avoid being unable to take out insurance with a regular insurance company.