How can I get third-party insurance if I am on the "blacklist"?

To get right to the point: the "blacklist" for insurers is a myth. There is no such thing as a blacklist at all; this refers to a CIS registration. Your data are in the database of the CIS Foundation. Insurers and agents can view your data when you apply for insurance. Based on this, they can refuse you third-party insurance. So this is not because you are on a so-called "black list.

Taking out third-party insurance for your car is required by law in the Netherlands. Do you have a CIS registration? Then it becomes difficult to take out third-party insurance with a regular insurance company. Fortunately, even with a CIS registration, you can always turn to insurance company De Vereende. They specialize in special risks and have a broader acceptance policy. So you never have to go on the road uninsured.

Taking out third-party insurance: what does it cost with a CIS registration?

Insurance company De Vereende does not have fixed premium rates. They look at each situation individually and make customized quotes. How high the costs end up being depends on the vehicle you want to insure and your payment and claims history. There are some costs to consider, however, namely:

• A higher premium than other insurance companies
• You often have to pay three months of premium in advance
• In most cases, you will pay a security deposit

A higher premium than other insurance companies

With insurers, the rule always applies: the higher the risk, the higher the premium. De Vereende specializes in insuring special risks, which is why the premium is also higher than with other insurance companies. At De Vereende they roughly divide that higher risk into two groups:

• The policyholder's past
  The risk may be in the policyholder's insurance history. For example, in the case of fraud, non-payment, a criminal history or too many claimed claims. This risk is actually related to your CIS registration. When the risk is often too high for a regular insurance company, you can insure with De Vereende.

• A high-risk object
  They also insure objects with a higher risk than normal, such as an MMBS vehicle, for example. But you can also think of motorized events or liability insurance for a tattoo shop.