Imagine: every morning traffic jams on the A12 from a residential area such as Seghwaert, while as an IT employee you commute to Den Haag. Then your car insurance is refused. Often a CIS registration is the underlying cause — without you knowing it.
What data does the CIS contain exactly?
The CIS comprises three main categories. The External Referral Register (EVR) contains the most serious cases: concrete fraud or a strong suspicion thereof. Registration can last eight years. Insurers then almost standardly refuse new policies.
The Incidents Register records elevated risks without proven fraud, usually visible for five years. The Risk Register maintains general data on claim risks, such as previous claims or residence in a certain area.
Access for insurers and automatic checks
Almost all Dutch insurers are affiliated. Every application for health, property or disability insurance is checked immediately. A hit usually results in refusal or stricter conditions.
Practical consequences for Zoetermeer residents
- Refused policy applications with virtually all affiliated insurers
- Higher premiums in case of exceptional acceptance
- No mortgage if the buildings insurance cannot be arranged
- Termination of existing policies in certain situations
- Impact on credit applications when banks also consult financial registers
Requesting access: your first step
Under the AVG (Article 15) you have the right of access. Send a written request to Stichting CIS, Antwoordnummer 4860, 3500 ZL Utrecht. Identify yourself with a certified copy of your identity document. You will receive the overview within one month. Access is free of charge.
Requesting removal: the procedure step by step
Step 1: request the file from the insurer
Request the complete fraud file. The insurer must substantiate why the registration was placed.
Step 2: submit a written objection
Send a reasoned notice of objection with your statement, supporting documents and a request for removal. The insurer must respond within four weeks.
Step 3: Kifid or complaints body
If rejected, you can go to the Kifid. The complaint fee is € 50 and the processing time is six to twelve months.
Step 4: civil court
For complex cases or substantial damage: summary proceedings before the Rechtbank Den Haag or a full procedure for damages.
Possible damages
According to the Hoge Raad an insurer is liable for damage caused by an incorrect registration. This can amount to tens of thousands of euros in missed policies, higher premiums and legal costs.
Important time limits
- Limitation period: five years from the moment you become aware of the registration (Article 3:310 BW)
- Maximum EVR duration: eight years, after which automatic removal
- Kifid time limit: within one year after written rejection of your objection
Advice for local residents
Have you had a policy refused without a clear reason? Request access immediately. Many commuters in Zoetermeer only discover late that a mistake has restricted them for years. The Juridisch Loket Zoetermeer or the Arslan office at Argonstraat 26, 2718 SN Zoetermeer (070 - 4500 300) can assist you further. Prompt action prevents years of financial obstacles.