All about a CIS registration

CIS stands for Central Information System Foundation. Stichting CIS stores all insurance data that is important to share with insurers, such as claim reports, when someone has committed fraud, or has driven 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.

There may be certain registrations of you in the CIS database, for example, if you:

• Claiming insurance coverage
• Received a disqualification from driving
• Drove into damage with an uninsured car
• Failed to keep agreements with the insurer, resulting in the insurance being terminated.
• Committed fraud or otherwise misused the insurer.

Insurers or agents affiliated with CIS must clearly point out the use of the CIS database . 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 about you (may) be registered.

When applying for insurance or submitting a claim report, an insurer checks whether the answers you have given in this regard have been answered truthfully. A check is made in the CIS database and on that basis it is examined whether you filled in the application form truthfully. A check is done to see if and if so what registrations are in the CIS database. If you are registered in the CIS database, this is not a reason to reject your application for insurance. Thus, a CIS registration does not necessarily affect your application for insurance. Suppose the registration in the CIS database is a fraud alert, however, it may have consequences.

Is the CIS registration incorrect or unjustified in your eyes? Then you can always challenge it. You can object by submitting a request for correction either directly to your insurer or via Stichting CIS. On the website of Stichting CIS you can download a form in which you indicate why you think the registration should be corrected. Stichting CIS will then submit the request to your insurer. The insurer must then accept or deny your request. If your request is refused, the CIS registration will stand. Do you disagree? Then you can file a complaint with the insurer's complaint committee. The next step is to submit the complaint to the Financial Services Complaints Institute. In extreme cases, you can take your complaint to court. Keep in mind that this often involves high legal costs, such as attorney fees.

Unfortunately, you cannot remove a CIS registration yourself. Neither can Stichting CIS or your new insurer do this for you. The organization that registered you must also remove the registration again. It is therefore important that you know who registered you and why. To do this, you can submit a request for inspection to Stichting CIS. If you request your registered data from Stichting CIS, you will get an exact representation of the information about you in the CIS database: who registered you, when and why.

A CIS registration need not cause any problems in terms of obtaining insurance. The underwriting policy of the insurer where the insurance application was submitted, in combination with the answers you provided during the application, determines whether or not you will be accepted as a policyholder. Therefore, whether you are in the CIS database and how often does not affect this. This is because the CIS database is used as a control tool, and not as a rejection tool. By using and checking the CIS database, insurers have more security.

You are required to take out at leastthird-party liability insurance for your car. Without third-party liability insurance, you are not allowed on the road and therefore cannot use your car. Insurance company De Vereende has a more generous acceptance policy and accepts everyone in principle. At De Vereende, you can always take out car insurance, even with a CIS registration.

Have you had too many accidents with your scooter? Or have you had your driving license revoked for any reason? The claims and revocation of your driving license are probably registered in the CIS database. Don't worry, you can always turn to Vereende. This way, you can still insure your scooter. In addition to the four standard coverages, you can also choose additional coverages. This allows you to customize your scooter insuranceentirely to your own needs.

Are you the proud owner of a motorcycle? Then you naturally want to insure it properly.Motorcycle insurance from Vereende ensures that you are insured in the event that you cause damage to others. You can also opt for limited comprehensive or fully comprehensive insurance. Even any accessories can be insured. This way, you can be sure that your motorcycle is fully insured in the event of damage.

Home contents insurance is essential. Your belongings can be damaged in many different ways. With Vereende home contents insurance, the insurer will compensate you for the damage and the damaged items can be repaired or replaced. You can easily apply for home contents insurance online. Please note that Vereende insurance can only take effect after you have paid the first premium AND after you have completed and signed the application form and returned it. It may therefore take a few days before you are covered.

Taking out De Vereende household contents insurance

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It is also 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 insure yourself, but also your partner or the whole family. It is even possible to insure your pet. If your pet accidentally causes damage, you are also insured.

We are the only company in the Netherlands that allows you to calculate an indicative premium for your insurance with Vereende. This way, you won't be faced with any surprises later on. You can use our handy online comparison tool for this. After filling in some personal details, you will see an indication of the monthly premium. Please note that this is only an indication; Vereende will calculate the final premium after you have submitted your application.