Insurers and blacklisting

CIS Foundation stands for Central Information System Foundation. They keep all insurance data that is important to share, such as when someone has committed fraud or driven a damage in an uninsured car. Insurers and agents can put this data into the national database. The database aims to make any risks manageable for insurers and prevent fraud as much as possible.

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Yes, such a list is actually a myth. There is no such thing as a blacklist, but you can have a CIS registration. Insurers can check if you have a CIS registration and why.

You may be registered with the CIS Foundation for a variety of reasons. Let's take car insurance as an example. You can be registered when you:

• Has a negative number of claim-free years, resulting in the termination of insurance.
• Has been issued a driving disqualification
• Drove into damage with an uninsured car
• Failed to keep agreements with the insurer, resulting in the insurance being terminated
• Committed fraud or misused the insurer in any other way

Of course, this applies not only to car insurance, but also to scooter insurance and household insurance, among others. For example, if you have not paid the premium of your contents insurance and it has been cancelled by the insurer, you will also be registered. One exception is health insurance. A health insurance company is required by law to accept you for the basic package of a health insurance policy. So they may not refuse you for this, but they may refuse you for supplementary insurance.

Insurers or agents affiliated with CIS must have a clear reference. For example, in their policy conditions, on claim forms, in the privacy statement on their website or in their consumer information. This way you as a consumer know that personal data can be registered. When discontinuing insurance, the insurer must also notify you in writing.

How long a CIS registration remains depends on the type of report. A claim notification or driving disqualification, for example, is removed after five years. An insurance fraud registration remains in the CIS database for a maximum of eight years. If you are on the list because of a malus position (negative claim-free years), the registration remains for 15 months.

Are you registered with CIS? Then you can submit a request for access to your file. You can send a written request by mail with a copy of your ID. If you wish to purchase insurance through Alpina, unfortunately we cannot request this information for you. Insurers are not allowed to give us information about the content of your CIS registration due to privacy laws.

Can you still take outcar insurance with a CIS registration? If you are listed in the CIS database, there are not many insurers who will accept you as a policyholder. As you read earlier, you can lodge an objection in the hope that your CIS registration will be removed. If that does not work, you can always contactthe Vereende insurance company. They specialize in special cases when it comes to insurance. The Vereende has a more lenient acceptance policy than other insurers. In principle, the insurance company accepts everyone. However, this does come with a higher premium.

Yourhome contents insurance may also be refused. Insurers are free to decide who they want to insure, as they are not obliged to accept everyone. It is, of course, very annoying to be refused when you want to insure your belongings properly. You can also contact insurance company De Vereende for your home contents insurance. One of the conditions is that you pay the first three months' premiums in advance.

Have you caused too much damage with your scooter? Or have you had your driving license revoked? Then you may have problemsinsuring your scooter. At Vereende, they don't make a fuss about this and you can still insure your scooter. In addition to the four standard coverages, you can also opt for certain additional coverages. This allows you to put together your own scooter insurance package.

When you purchase a motorcycle, you naturally want it to be properly insured. You can choose from various types of coverage. You can even insure accessories and motorcycle clothing. Apply formotorcycle insurance online at Vereende.

It is possible to take out liability insurancethrough Vereende. This insures you against damage you accidentally cause to another person or to another person's property. You can take out liability insurance for yourself alone or for your entire family. It is also possible to insure your pet. This is great, because it means you are also insured if, for example, your dog accidentally damages a family member's sofa.

Withhome insurance through Vereende, you are insured against damage to your home. This also includes immovable property (items that cannot be moved), such as a kitchen. Although it is of course nice to be able to turn to Vereende insurance company, you will probably find a cheaper deal with another insurance company. Your insurance does not have to be with Vereende forever. Once your CIS registration has been removed or has expired, you can take out insurance with another insurance company.