I have a CIS registration because I have not paid for my insurance: what should I do?

Do you have a CIS registration? This could have several causes. One is failure to pay your insurance premium. Of course, it can happen that you are unable to pay the premium once in a while, or maybe you just forgot. You won't get a CIS registration right away in that case. However, when you have a large payment arrears, problems can arise. We explain.

I did not pay, am I now on the "blacklist"?

To get right to the point: there is no "blacklist" for insurers. By that, they actually mean the database of the CIS Foundation. So you don't get 'blacklisted' if you don't pay your insurance, but you get a CIS registration. Insurers can look at your information in the CIS database. If they think you are too high a risk, they can deny you insurance. This is where the idea of the so-called "blacklist" comes from.

What are the consequences if I don't pay my insurance?

Have you had a month with quite a few large expenses? If so, you may not be able to pay your insurance premium (on time). Most insurers are not too hard on you. You will initially receive a warning, after which you can still pay the premium. However, when you structurally fail to pay the premium, there is a chance that your insurer will stop the insurance. The insurer will then report this to Stichting CIS. CIS stands for Central Information System. Stichting CIS puts your information in their database, making it accessible to all affiliated insurers and agents. Colloquially, a CIS registration is also known as the "blacklist. A true "blacklist" does not exist at all. Thus, this refers to a listing in the CIS database.

If you have a CIS registration, it has major implications for your future insurance policies. Insurers always look in the CIS database to see if a potential policyholder is registered. If so, chances are they will not want to insure you. You then pose too great a risk to the insurance company.

How can I still get insurance with a CIS registration?

In principle, you can always request a correction from your insurer. However, you must have good reason and be able to prove that the CIS registration is unjustified or incorrect. If your CIS registration is justified, you will not be able to go to many regular insurance companies. Will you not be able to get insurance at all? Fortunately, yes, otherwise you would never be able to drive your car or scooter again.

Even with a CIS registration, you can always turn to insurance company De Vereende. This insurance company is the insurer for special risks. They have a very broad underwriting policy and thus accept basically everyone.