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 lie in the policyholder's insurance history. For example in case of fraud, non-payment, a criminal past or too many claims. This risk is actually related to your CIS registration. When the risk is too high for a regular insurance company, you can insure yourself with De Vereende.
- A high risk object
They also insure objects with a higher risk than normal, such as an MMBS vehicle. But you can also think of motorised events or liability insurance for a tattoo shop.
Three months premium in advance
When you take out insurance with De Vereende, you must pay three months' premium in advance. Also if you choose monthly payment instead of quarterly, half-yearly or annual payment. It may happen that, when taking out the insurance, the invoice for the following month has already been sent to existing policyholders. As a new policyholder, you will not have received this invoice. To avoid being recorded as a defaulter, you should pay the first three months in advance. That way, there will be no misunderstandings. After these three months, you can simply choose to pay the premium every month.
In most cases you must pay a deposit to De Vereende. De Vereende can use this deposit if you do not pay your premium on time. They will then offset this against the premium still to be paid. If you pay on time every month, the deposit will simply be returned to you when the insurance is terminated.
Take out third-party insurance via Geennee.nl if you have a CIS registration
Do you have a CIS registration and do you want to insure your car WA? At Geenee.nl you can take out insurance easily and conveniently. You can first calculate the premium for your third-party insurance. This will give you an idea of the monthly premium. After completing our online tool you can immediately request a definite offer from De Vereende.
Do you still have questions or would you like to talk to someone about the options? Please do not hesitate to contact us! We will be happy to help you get the right third-party insurance. We can be reached Monday through Friday on 088-688 37 00 and via chat, e-mail, WhatsApp and Messenger.
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