What kind of records does the database contain?

CIS holds many different types of information on behalf of its participating insurance companies and their authorised agents. This information and the records it is held in help our members optimise their processes and provide support in assessing acceptances and claims. The CIS database contains the following records:

All claims received by insurance companies or authorised agents are entered in the CIS database. It doesn’t matter who is at fault or whether a claim is covered under the terms of the policy or not. This is simply about registering the fact that a person has claimed on their insurance. Only the factual information and the personal details of the people involved in the claim are registered.

If an uninsured motor vehicle is involved in an accident, the details of the registered keeper, owner and/or driver of the vehicle are registered in the CIS database.

The insurance company or authorised agent has the right to cancel an insurance policy in certain circumstances. These circumstances are described in the policy terms and conditions for the insurance products concerned. 

An insurance policy is an agreement in which the insurance company or authorised agent and the insured person both have certain obligations. If an insured person does not meet their obligations, the insurance company or authorised agent can cancel the policy. They can register this cancellation in the CIS database. This record in the CIS database is known as a ‘Confidential notice in connection with cancellation due to non-fulfilment of contractual obligations’.

If an insurance premium is not paid, or not paid on time, the insurance company or authorised agent can cancel the policy. This record in the CIS database is known as a ‘Confidential notice in connection with cancellation due to non-fulfilment of (financial) contractual obligations’.

Note that if you cancel an insurance policy yourself, the cancellation won’t be registered with CIS.

The Ministry of Transport, Public Works and Water Management has given its approval for driving disqualifications to be registered for the insurance market. After all, it is very important for a motor vehicle insurance company or authorised agent to know whether a court has temporarily or permanently disqualified an insured person from driving. Details of driving disqualifications are provided by the authorities and not by the insurance companies or authorised agents. 

NB: If a driving disqualification is registered in the CIS database and you disagree with the fact that it has been registered, CIS can’t act as an intermediary. To discuss the appropriateness of a registered driving disqualification, please contact the public prosecutor’s office at the court that issued the disqualification.

Because a disqualification is only registered once the legal process has been completed, removal of a disqualification from the database retrospectively is very rare in practice.

This contains information on insured people or other people or companies who have intentionally deceived the insurance company or its authorised agents. 

It could include people who have committed or attempted to commit insurance fraud. 

People who did not tell the whole truth about their insurance history or criminal record when applying for a new insurance policy may also receive an EVR.