At the cranes on the Maasvlakte, a pilot operator incurs a damages claim after a shifting container. Months later, the notification appears in the CIS, rendering new insurance policies for his lorry and dwelling unobtainable. Such situations occur more frequently than expected in the port city.
Which data does the CIS contain exactly?
Three registers populate the system. The EVR records proven or highly probable fraud with a maximum duration of eight years. The Incidentenregister tracks cases involving elevated risk without conclusive evidence, usually five years. The Risicoregister contains general data such as prior claims or an address in a busy zone along the A15.
Who consults the register?
Practically every health, indemnity and liability insurer in the Netherlands is affiliated. Every application via a broker or online portal triggers an automatic check. A hit almost invariably results in rejection or substantially increased premiums, including for international port employees seeking to conclude a policy in the Netherlands.
Concrete consequences in practice
- Policy refusal by virtually all major insurers
- Premium increase of up to 200 per cent upon acceptance
- No mortgage when the buildings insurance fails
- Termination of existing cover upon reinsurance
- Credit problems if the bank requests the CIS report
How do you discover that you are registered?
The right of access follows from the AVG. Send a registered request to Stichting CIS, Antwoordnummer 4860, 3500 ZL Utrecht. Enclose a certified copy of your identity document. Within thirty days you will receive an overview. Access is free of charge.
Requesting removal: the Rotterdam route
Follow these steps. First request the complete file from the insurer that placed the notification. Then draft a reasoned notice of objection with supporting documents and a request for deletion. The insurer must respond within four weeks.
Step 3: Kifid procedure
In case of rejection you may apply to Kifid. Objection against the registration itself is also possible here. The procedure takes six to twelve months and costs fifty euros.
Step 4: Rechtbank Rotterdam
For complex cases or substantial damage you initiate interim proceedings before the Rechtbank Rotterdam. A full procedure can moreover yield damages for missed policies and additional premiums.
Damages claim possible
The Hoge Raad has held insurers liable for incorrect registrations. Compensation ranges from several thousand to tens of thousands of euros, depending on the duration and the consequences for your daily life in Rotterdam.
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, thereafter automatic removal
- Kifid time limit: within one year after written rejection
Practical advice for Rotterdammers
Have you ever had a policy refused without clear explanation? Request access immediately. Many port workers and drivers on the A20 discover only late that an error has restricted them for years. The Arslan office at Wilhelminaplein 100, 3072 AK Rotterdam (010 - 4400 400) can assist you. Prompt action prevents years of financial impediment.