Suppose: you live in a student house on the Langebrug and your bicycle insurance rejects a claim after a collision on the narrow Breestraat. Without you noticing, a note ends up in the CIS. That note can block new policies for years.
Consequences of a CIS Registration in Practice
A registration particularly affects people who depend on a car or a home in the city centre. Mortgage applications fail because the buildings insurance cannot be arranged. Premiums rise sharply or policies are refused altogether. Even a credit application at the bank may be delayed when it also consults the CIS data.
The Content of the CIS System
The register has three levels. The EVR contains the most serious cases: proven or highly probable fraud. Registration lasts a maximum of eight years. The Incident Register contains claims with an increased risk, usually visible for five years. The Risk Register holds general data such as previous claims or residence in a district with many damage reports.
Who Consults the CIS?
Almost all major Dutch insurers are affiliated. Every application for health, motor, home or disability insurance is automatically checked to see whether your name appears. A hit almost always leads to refusal or stricter conditions.
How to Check Your Own Registration
You have the right of access under the AVG. Send a letter with a certified copy of your ID to Stichting CIS, Antwoordnummer 4860, 3500 ZL Utrecht. Within thirty days you will receive an overview. Access is free of charge.
Steps to Have an Incorrect Registration Removed
Start by requesting the complete file from the insurer that made the notification. Then draft a reasoned objection with supporting documents and a request for removal. If the insurer does not respond within four weeks or rejects the objection, you can go to the Kifid. In complex cases or cases involving major damage, summary proceedings before the Rechtbank Den Haag follow.
Possible Compensation
The Hoge Raad has ruled that an incorrect registration can give rise to liability. Missed insurance opportunities, higher premiums and lawyer’s fees are payable by the insurer. Amounts range from several thousand to tens of thousands of euros.
Important Time Limits
- Limitation period: five years from the moment you become aware of the registration
- Maximum EVR duration: eight years, after which automatic removal follows
- Kifid complaint period: within one year after rejection of your objection
Practical Advice for Leiden Residents
Do you notice that policies are systematically refused? Request access immediately. Many residents of Leiden, from students to self-employed persons, discover only late that a mistake or one-sided assessment restricts them. Local support is close by: call the Arslan office at Stationsweg 26, 2312 AV Leiden (071 - 5200 200) or drop in at the Juridisch Loket Leiden. Early action prevents years of financial obstacles.