What is a CIS registration?

CIS (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

1. You apply for insurance or file a claim.
2. The insurer will ask you all kinds of questions based on which it will draft the policy or compensate the claim.
3. By default, the insurer makes a request to Foundation CIS for more information about your insurance history.
4. The insurer checks the information from the CIS database and reviews whether you filled out the application form truthfully.
5. 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.

1. 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.

2. 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.

3. 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.

4. Driving ban or criminal record

If you get a driving ban, CIS Foundation records it.

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.