Car insurance has been denied because of CIS registration: what can I do?

Has your auto insurance been denied because of a CIS registration? If so, the insurer thinks you pose too great a risk. With a CIS registration there is a big chance that you cannot get car insurance with a regular insurance company. Fortunately, you can always insure your car with insurance company De Vereende. Read here how you can still get car insurance with a CIS registration.

What is a CIS registration?

A CIS registration is a registration in the database of the CIS Foundation. CIS stands for Central Information System. The CIS Foundation keeps all important insurance data in their national database. Important insurance data are, for example, when someone has committed fraud or has driven a damage in an uninsured car. This database is accessible to all affiliated insurers and agents. The purpose of the database is to make any risks for insurers manageable and to prevent fraud as much as possible.

When do I get a CIS registration?

There are several situations in which you may get a CIS registration. For example, you may be registered when you:

• Received a driving disqualification
• Has driven damage with an uninsured vehicle
• Has a malus position (negative claim-free years)
• Failed to keep appointments, such as non-payment of insurance premiums
• Committed fraud or misused the insurer

Don't know why you have a CIS registration? Then you can request access to your registration through the website of the CIS Foundation.

Why insurers will refuse you if you have a CIS registration

Insurers actually always do risk analysis. The moment you want to buy auto insurance, you have to fill out some underwriting questions. These are, for example, about your insurance history and criminal record. Based on these underwriting questions, they decide whether to accept or reject your application. An insurer is not obliged to accept your application, with the exception of a health insurer. If an insurer feels that, because of your CIS registration, you pose too great a risk, they may reject your application. In doing so, an insurer looks at moral hazard. For someone with a CIS registration, the moral hazard is often assessed as greater. They then assume that someone with a CIS registration is less compliant with insurance rules or paying the insurance premium.