Insurers decide who they want or do not want as a customer. They lay this down in their own underwriting policies. In fact, insurers do not have an acceptance obligation. Only health insurers are obliged to always accept someone for basic insurance.
What is a CIS registration?
A CIS registration has to do with your insurance history. Insurers consult the database of Stichting CIS with every insurance application. 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 is the abbreviation for Central Information System. Insurers can put registrations in this national database. The purpose of this database is to make risks manageable and prevent fraud as much as possible.
Before an insurer registers you with Stichting CIS, you will be notified in writing. In doing so, you will be made aware that you must report details when applying for new insurance.
CIS registration is also known as "Blacklisting.
Why am I registered with CIS?
You can be registered with the CIS Foundation for various reasons. These include: committing fraud, a claim history, a police or judicial record or a driving disqualification. You can use the website of CIS to request access to your data registered with Stichting CIS.
Insurers, due to privacy laws, are not allowed to provide information about the contents of your CIS registration.
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Can I purchase contents insurance when I have a CIS registration?
With a CIS registration, it is often difficult to be accepted by a regular 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 generous acceptance policy and accepts virtually everyone. One of the conditions is that you pay the first three months in advance.
For a no-obligation quotation, please contact us by telephone. Keep in mind that we need information about your home and its contents and that you need to have these ready. You can also request a free quote via our website.
When does a CIS registration expire?
Most CIS registrations remain for 5 to 8 years. However, the retention period may vary for each registration. You can check this with the CIS Foundation. In case of driving disqualification, for example, the counting of these 5 years only starts on the last day of the driving disqualification.
Removing a CIS registration before the maximum duration has expired can only be done by the person who put the registration in the system. If you object to a registration and it turns out to be justified, the insurer can remove the registration itself.
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