A transport entrepreneur with premises near the N261 suddenly finds that every new policy is refused. The cause turns out to be an old CIS listing that was placed quietly years ago. In the industrial heart of Brabant, where logistics flows and modern manufacturing companies meet, such a listing hits particularly hard.
What data does the CIS contain exactly?
The CIS maintains three types of data. The most serious category is the External Referral Register (EVR): this contains companies and individuals with proven or strongly suspected fraud. Registration can last eight years and in practice leads to automatic rejection of new applications. The Incidents Register records elevated risks without fraud having been established, usually for five years. The Risk Register contains general information on claims history or living and working environment, not always fraud-related.
Practical consequences for Tilburg residents
- Policy refusal by virtually all affiliated insurers
- Increased premiums in the event of acceptance
- No mortgage because the buildings insurance falls through
- Termination of existing contracts in certain cases
- Impact on credit applications when banks also consult these databases
Who may consult the CIS?
Nearly all Dutch health, non-life and life insurers are affiliated. Every application in Tilburg or elsewhere is automatically checked. A hit almost always results in refusal or stricter conditions.
How do you discover a possible registration?
Under the AVG you may request access. Send a written request to Stichting CIS, Antwoordnummer 4860, 3500 ZL Utrecht. Identify yourself with a certified copy of your identity document. Within one month you will receive an overview; access is free of charge.
Steps to have an incorrect listing removed
Follow these four steps:
Step 1: request the file
Request the complete fraud file from the insurer that made the registration. This way you know exactly what the listing is based on.
Step 2: submit a notice of objection
Send a reasoned objection with explanation, supporting documents and a request for removal. The insurer must respond within four weeks.
Step 3: involve Kifid
If rejected, you can go to Kifid. There too you can challenge the registration yourself. The procedure takes six to twelve months and costs fifty euros.
Step 4: court proceedings
In complex cases or cases involving major damage, interim proceedings before the Rechtbank Zeeland-West-Brabant (Breda) are possible, or a full action for damages.
Damages and time limits
The Hoge Raad has held insurers liable for incorrect registrations. Missed policies, higher premiums and lawyer’s fees can lead to damages ranging from several thousand to tens of thousands of euros. Note the limitation period of five years from the moment the registration became known, the maximum EVR duration of eight years and the Kifid complaint period of one year.
Practical advice from Tilburg
Have you ever had a policy refused without a clear reason? Request access immediately. Many entrepreneurs in the region, from the Spoorlaan to business parks in the west, discover only late that they have been registered incorrectly. Early correction prevents years of restrictions. For personal advice you can contact Juridisch Loket Tilburg or the office of Arslan at Spoorlaan 350, 5038 CC Tilburg (013 - 5300 300).