Insurers decide for themselves who they do or do not want as customers. They set this out in their own underwriting policies. This is because insurers are not required to accept everyone. Only health insurers are required to accept anyone for basic health insurance.
What is a CIS registration?
A CIS registration is related to your insurance history. Insurers consult the Stichting CIS database whenever an insurance application is submitted. CIS represents the interests of insurers.When you apply for insurance or file a claim, the insurer may consult the Stichting CIS database to obtain, store, and exchange information about customers.
What does CIS stand for?
CIS stands for Central Information System. Insurers can enter records into this national database. The purpose of this database is to manage risks and prevent fraud as much as possible.
Before an insurer registers you with the CIS Foundation, you will be notified of this in writing. You will also be reminded that you must disclose any relevant details when applying for new insurance.
The CIS registration is also known asthe “Blacklist.”
Why am I registered with CIS?
There are various reasons why you might be registered with the CIS Foundation. These include: committing fraud, a history of insurance claims, a criminal record, or a driver’s license suspension. You can submit a request through the CIS website to view the information about you that is registered with the CIS Foundation.
Due to privacy laws, insurance companies are not allowed to provide any information about the contents of your CIS registration.
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Can I purchase home contents insurance if I have a CIS registration?
If you’re registered with the CIS, it’s often difficult to get coverage from a traditional insurer. In that case, we can request a no-obligation quote for you from Vereende for home contents insurance (and other types of insurance). This insurer has a more lenient underwriting policy and, in principle, accepts everyone. One of the conditions, however, is that you must pay the first 3 months in advance.
For a no-obligation quote, please contact us by phone. Please note that we will need information about your home and household goods, so please have that information ready. You can also request a no-obligation quote through our website.
When does a CIS registration expire?
Most CIS records remain on file for 5 to 8 years. However, the retention period may vary by record. You can inquire about this with the CIS Foundation. For example, if your driver’s license is revoked, the 5-year period does not begin until the last day of the revocation.
A CIS registration can only be deleted before the maximum duration has expired by the person who entered the registration into the system. If you file an objection to a registration and it is found to be valid, the insurer can delete the registration itself.
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