How can I insure my car if I have a CIS registration?

Are you trying to get auto insurance while you have a CIS registration? If so, you will find that it is not without controversy. Most insurers refuse persons with a CIS registration. This is mainly because of the high risk they pose. But what should you do if you are in the CIS database and still want to get auto insurance? And what does it cost?

Am I "blacklisted" for auto insurance?

No, you are not blacklisted. In fact, there is no blacklist for insurers at all. So this refers to the database of the CIS Foundation. Your details are in the CIS database and can be accessed by insurers and underwriters.

Can I insure my car WA if I have a CIS registration?

Yes, it is possible to obtain third-party insurance with a CIS registration. Chances are, however, that this cannot be done with a regular insurance company. When you own a car, you are required to take out third-party insurance. This is required as soon as the license plate is in your name. However, insurers are not obliged to let you take out insurance; they have no duty of acceptance.

First, you can look at your registration. Do you suspect it is incorrect or unjustified? Then you can submit a request for correction through Stichting CIS. They will forward your request to your insurer. The insurer will then decide whether to remove the registration or leave it in place.

Does the CIS registration remain? Then you can really only turn to insurance company De Vereende. This insurance company insures the special risks, where regular insurance companies usually drop out. De Vereende has a broader acceptance policy and accepts almost everyone. So you can still get car insurance with a CIS registration.

CIS registration: what does it cost to insure a car?

The cost of your car insurance will be slightly higher than normal, though. With insurers, the rule is actually: the higher the risk, the higher the premium. Insurance company De Vereende insures in principle everyone, but there must be something in return. In other words, a higher premium.

Insurance company De Vereende does not use fixed premium rates. What you eventually pay for your car insurance depends on the car you want to insure and on your claim and payment history. Via Geennee.nl you can already calculate an indication of the premium. This way you will not be faced with unpleasant surprises. You should at least keep in mind that three months of premium must be paid in advance. Also, in most cases a deposit must be paid. If you do not pay your premium on time, De Vereende can use this deposit to offset the unpaid premium. This deposit is returned to you after your insurance with De Vereende is terminated, provided that you always pay your premium on time.

Saving on car insurance

Now you may be wondering: doesn't it save me a lot of money if I just do NOT buy car insurance? The answer is a resounding no. When you drive your car uninsured, you risk hefty fines: €400 from the RDW and as much as €550 from the police. If you cause damage with an uninsured car, all costs are for yourself. Moreover, damage driving with an uninsured car is exactly such a situation that will land you on a CIS registration. This way you will eventually end up with insurance company De Vereende.