What is a CIS registration?
A CIS registration has to do with your insurance history. Insurers consult the database of the CIS Foundation 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, retain and exchange information about customers.
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 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. The CIS registration is also known as the "Blacklist.
Why am I registered with CIS?
You may be registered with the CIS Foundation for a variety of reasons. These include: committing fraud, a claim history, a police or judicial record or a driving disqualification. You can use the CIS website to request access to your data registered with Stichting CIS.
Insurers are not allowed, due to privacy laws, to provide information about the content of your CIS registration.
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Can I purchase contents insurance when I have a CIS registration?
With a CIS registration, acceptance with a regular insurer is often difficult. In that case we can request a no-obligation quotation for household contents insurance (and other insurances) from De Vereende. This insurer has a broader acceptance policy and in principle accepts everyone. 1 of the conditions is that you pay the first 3 months in advance.
For a free quote, please contact us by phone. Keep in mind that we will need information about your home and its contents and that you will 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.
Deleting 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 this turns out to be justified, the insurer can remove the registration itself.
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