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.

De Vereende car insurance

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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 with a copy of your ID by mail. 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.

With a CIS registration, can you still get auto insurance? If you are in the CIS database, there are not many insurers who will accept you as a policyholder. As you read earlier, you can object in the hope that your CIS registration will be removed. Should that fail, you can always contact insurer De Vereende. They specialize in special cases when it comes to insurance. De Vereende has a broader acceptance policy than other insurers. In principle, the insurance company accepts everyone. However, this is offset by a higher premium.

Your household insurance can also be refused. Insurers may decide for themselves who they want to insure, as they do not have a duty of acceptance. Of course it is very annoying to be refused when you want to insure your belongings properly. Also for your household contents insurance you can go to insurance company De Vereende. One of the conditions is that you pay the first three months premium in advance.

Have you done too much damage with your scooter? Or have you had a driving disqualification? Then you may have problems insuring your scooter. At De Vereende they do not make a problem of this and you can still insure your scooter. In addition to the four standard coverages, you can also choose certain additional coverages. This way you can compose your scooter insurance yourself.

When you have purchased a motorcycle, you naturally want it to be properly insured. You can choose from different coverages. In addition, you can even insure accessories and motorcycle clothing. Apply online for your motorcycle insurance at De Vereende.

It is possible to take out liability insurance through De Vereende. Thus you are insured against damage that you accidentally cause to another person or to the belongings of another person. You can take out liability insurance for you alone or for your entire family. It is also possible to insure your pet. Very nice, because this way you are also insured, for example, if your dog accidentally breaks a family member's couch.

With a building insurance via De Vereende you are insured against damage to your home. This also includes immovable goods (goods which cannot be moved), such as for instance a kitchen. Although it is of course nice that you can turn to the insurance company De Vereende, you will probably be cheaper with another insurance company. Your insurance does not have to go through De Vereende forever. As soon as your CIS-registration is removed or expired you can take out another insurance with another insurance company.