How can I get third-party insurance if I am on the 'blacklist'?

To get straight to the point: the 'blacklist' for insurers is a myth. There is no such thing as a black list; it refers to a CIS registration. Your details are in the database of Stichting CIS. Insurers and proxies can view your details when you apply for insurance. Based on this information, they can refuse you a third party insurance. This is not because you are on a so-called 'black list'.

Taking out third-party insurance for your car is a legal requirement in the Netherlands. Do you have a CIS registration? Then it becomes difficult to take out third-party insurance with a regular insurance company. Fortunately, also with a CIS registration you can always turn to the insurance company De Vereende. They specialise in special risks and have a broader acceptance policy. In this way you will never have to be uninsured on the road.

Third-party insurance: what does it cost with a CIS registration?

Insurance company De Vereende has no fixed premium rates. They look at each situation individually and make tailor-made quotations. How high the costs ultimately are, depends on the vehicle you want to insure and on your payment and claims history. There are a number of costs to take into account, however:

• A higher premium than with other insurance companies
• You often have to pay three months of premium in advance
• In most cases you pay a deposit

A higher premium than with other insurance companies

With insurers the following always applies: the higher the risk, the higher the premium. De Vereende specialises in insuring special risks, which is why the premium is also higher than with other insurance companies. At De Vereende they roughly categorise that higher risk into two groups:

• The policyholder's past
  The risk may be in the policyholder's insurance history. For example, in the case of fraud, non-payment, a criminal history or too many claimed claims. This risk is actually related to your CIS registration. When the risk is often too high for a regular insurance company, you can insure with De Vereende.

• A high-risk object
  They also insure objects with a higher risk than normal, such as an MMBS vehicle, for example. But you can also think of motorized events or liability insurance for a tattoo shop.