There are several reasons why you might be denied home contents insurance. For example, you might pay your bill late, or it might get lost during a move. If you frequently pay late, this can, of course, have consequences. Insurers may consider this a valid reason to deny your application.
Even if you try to file too many claims, this can affect your home contents insurance. Of course, it also depends on how many claims you file within a given period.
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The CIS Foundation is an abbreviation for Central Information System. This system is maintained by the various insurers. Only insurers and authorized representatives have access to this national database. This database stores information on individuals who have committed fraud or have never made a payment. When an insurer registers you with CIS, you will be notified in writing. The CIS Foundation is also commonly referred to as the “blacklist.”
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Insurers may refuse to provide your home contents insurance in the following situations:
Insurers are not required to accept every customer. They are free to decide for themselves whom they want as customers. Only health insurers are required to accept everyone for basic health insurance. When a new insurance application is submitted, insurers consult the Stichting CIS database. Stichting CIS records information about people who have been involved in fraud, insurance claims, and driver’s license suspensions.
The examples mentioned above, such as late payments or committing fraud, can be reasons for an insurer to deny your application. Of course, it can happen that you pay a bill late once in a while. That in itself isn’t a major problem. It only becomes a problem when you consistently pay late. As a result, you’ll be listed as a delinquent payer in the CIS database. To avoid this, it’s important that you pay your bills on time.
Here at inboedelverzekering.nl, we’re always here to help you find a solution. Even if you’ve been turned down, we can still find a suitable option for you. First, we’ll try to place you with a standard insurer. If that doesn’t work out, we’ll come up with an alternative. In most cases, you can always turn to De Vereende (formerly Rialto). This insurance company will almost always accept an application, but the premiums are many times higher than those of regular insurers. In addition, the premium often has to be paid in advance for the first three months.
If you have any questions, feel free to contact us. You can also reach us at any time by calling 085 – 029 5182. In addition, you can easily calculate the premium for your household contents insurance using our tool. You’ll find this tool at the bottom of this page.
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