How long does a CIS registration last?

How long a CIS registration lasts depends on the type of report. For example, a registration for fraud remains longer than a registration for negative claim-free years. An insurer always looks at the nature and seriousness of the report. Read on to find out how long a CIS registration lasts and how you can still get insurance.

Duration of registration depending on type of notification

So it varies from one notification to another how long it remains registered. You can be registered in the CIS database in different situations:

Driving disqualification

Have you had hot disqualification from driving? Then this is registered in the CIS database. A driving disqualification remains registered for 5 years. In case of driving disqualification, the counting of these 5 years starts only on the last day of the driving disqualification.

Damage reports

The CIS database keeps track of all claims you file with your insurer. It does not matter who is at fault for the claim. All that matters is the fact that someone has made a claim on his or her insurance. Claims reports remain on file for 5 years.

Negative claim-free years

Do you have negative claim-free years? Then this is registered in the database. You get rid of this report the fastest: negative claim-free years remain registered for 15 months.

Failure to meet financial obligations

If you repeatedly fail to pay your insurance premium, you will be labeled a "defaulter. Your insurer then has the right to cancel your insurance. This is always registered in the CIS database. A report for non-payment remains registered for about 3 to 5 years.

Failure to fulfill contractual obligations

Insurance is a contract where an insurer and insured both have certain obligations. Your contract always includes certain contractual obligations that you must abide by. If you fail to do so, your insurer has the right to terminate the insurance. A report for non-compliance with contractual obligations remains registered for 5 years.