What is a CIS registration?
A CIS registration is a negative entry about your insurance history in a database. Insurers use this system to assess risk when buying insurance. Do you have a CIS registration? For example, because of your claims history or because you have a driving ban? Then it is more difficult to get insurance. But not impossible.
View your insurance optionsCIS (Central Information System) Foundation.
Foundation CIS stands for Foundation Central Information System. It is a database containing data on the insurance history of individuals. Insurers look at this CIS registration to check your insurance history and better assess risks when evaluating a new application. This allows insurers to decide whether to accept you as a client and what premium to charge.
It is primarily a monitoring tool, not a rejection tool or blacklist. A CIS registration shows how trustworthy someone is and helps detect fraud, non-payment and high claims turnover. In fact, insurers are not required to accept applications, with the exception of health insurers.
The consequences of a CIS registration
A negative CIS registration can cause you to pay more for your insurance or prevent you from getting new insurance. If you are registered for insurance fraud, chances are you will not be accepted. Have you only claimed damage once? Then you run little risk of problems from this registration.
Each insurer decides for itself whether a CIS registration is a reason to reject the application.
A CIS registration affects other insurance policies
The CIS registry only stores information about auto insurance. But insurers of other types of insurance also use CIS information when assessing new applications. For example, when applying for contents insurance.
This is how a CIS registration works when applying for insurance
- You apply for insurance or file a claim.
- The insurer will ask you all kinds of questions based on which it will draft the policy or compensate the claim.
- By default, the insurer makes a request to Foundation CIS for more information about your insurance history.
- The insurer checks the information from the CIS database and reviews whether you filled out the application form truthfully.
- Do you have a CIS registration? If so, the insurer may decide not to accept your application.
Rejected by a CIS registration? Get insurance through the Vereende
De Vereende is a company that does want to insure special risks such as a CIS registration. For example, De Vereende always accepts your application for car insurance or other insurance. However, the premium is higher and additional conditions are imposed.
5 reasons for CIS registration
A CIS registration can have several causes. When an insurer requests your information from the CIS foundation, the insurer also knows exactly what you are registered for.
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Damage reports
All claims you file with the insurer are tracked. Here it does not matter who is at fault for the claim. Actual records and personal information are kept of each claim.
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Uninsured motor vehicles
If an uninsured motor vehicle is involved in an accident, the details of the vehicle's owner and driver are recorded by the CIS Foundation.
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Failure to pay or misinformation
An insurer may stop your insurance if you fail to pay the premium for a long time or if you have intentionally given false information. If you fail to meet your contractual or financial obligations, the insurer may record the termination in the CIS database.
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Driving ban or criminal record
If you get a driving ban, CIS Foundation records it.
Duration of a CIS registration
It depends on the type of registration when your registration in the Foundation CIS will be deleted:
| Type of notification | Duration of registration |
|---|---|
| Negative claim-free years | 15 months |
| Non-compliance with financial obligation | 3 years |
| Damage | 5 years |
| Driving disqualification | 5 years |
| Breach of contractual obligations | 5 years |
| Insurance fraud | 8 years |
Inspection request CIS registration.
Claim-free years do not affect a CIS registration
Claim-free years and a CIS registration are separate. Claim-free years determine your no-claim discount and are kept in the Roy-data database. Insurers use this database to calculate discounts.
However, a claim can be registered in both systems: in Roy-data for the adjustment of your claim-free years and in CIS as an informative registration for insurers.
Frequently asked questions for a CIS registration
How can I get auto insurance with a CIS registration?
Despite your CIS registration with the Vereende you can take out car insurance without problems. Because of your registration Vereende does impose some conditions to the insurance. Read more about vehicle insurance via the Vereende.
How long does data remain on the CIS register?
The retention period varies by type of record. Claims usually remain for 5 years, while fraud or default registrations can remain for up to 8 years. During this period, it becomes more difficult to obtain insurance. Not every insurer will accept your insurance application.
What does a CIS registration mean for my insurance application?
Insurers use the CIS registry to check your claims and payment history. A negative registration can lead to higher premiums or even a refusal of your application. You can then still purchase insurance through the Vereende.
Does a CIS registration affect my premium?
Insurers use the CIS registry to check your claims and payment history. A negative registration can lead to higher premiums or even a refusal of your application. You can then still purchase insurance through the Vereende.
What should I do if an insurer refuses me because of a CIS registration?
You can try another insurer, but if you are refused everywhere, you can turn to specialized providers such as the Vereende. You can also file an objection with Stichting CIS if your registration is unjustified.
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