Short answer. If your car insurance application is refused, the first question is which entry is causing the refusal. A cancellation of the policy (royement) for non-payment, an ordinary claim report and an EVR registration for fraud are three different things, with different retention periods and different routes to a solution. Insurers are under no obligation to accept you. If the entry is justified, the safety-net insurer De Vereende (a Dutch insurer of last resort) is often the practical way out. If the registration is unjustified or too long, challenging it is the route that actually solves the problem.
Nederlands: Lees dit artikel in het Nederlands: Autoverzekering geweigerd door een CIS- of EVR-vermelding: wat nu?
Türkçe: Bu makaleyi Türkçe okuyun: CIS veya EVR kaydı nedeniyle araç sigortası reddedildi: şimdi ne yapmalı?
Written by Onur Arslan, attorney at Arslan Advocaten. Registered in the Netherlands Bar’s register of practice areas for employment law and personal injury law. Last updated: 17 September 2026.
First establish: which entry is blocking your application?
| Entry | What it is | Retention period | What it means for acceptance |
|---|---|---|---|
| Claim report in the CIS database | you have at some point claimed under a policy | five years from the reference date | not a fraud signal; it may, however, affect the premium or the terms |
| Confidential notice for non-payment | premium not paid, policy terminated for that reason | three years from the reference date | many insurers refuse while it is still running |
| Confidential notice for cancellation of the policy (royement) | policy terminated for another reason | five years from the reference date | depends on the reason; ask for it |
| EVR registration | inclusion in the warning register because of an incident | a maximum of eight years | the most serious entry; leads to refusal by many insurers |
The retention periods for each type of CIS registration are set out in how long a CIS registration remains on file. If you do not know which entry it is, request access first; how to do that is explained in viewing and requesting your EVR registration.
Can an insurer simply refuse you?
There is no obligation to accept applicants for car insurance. An insurer may refuse an application, even without giving detailed reasons. That feels unfair, but it is the starting point.
Two things do matter, however. First, under the Motor Vehicles Liability Insurance Act (WAM) you are required to keep your vehicle insured for as long as it is registered in your name. Leaving it uninsured results in a fine and, if damage occurs, recovery of the costs by the Dutch Motor Insurers’ Guarantee Fund (Waarborgfonds Motorverkeer). Suspending the registration with the RDW, the Dutch vehicle authority, or transferring the registration can temporarily remove that obligation; that is an emergency measure, not a solution.
Second, a refusal based on a registration says nothing about whether that registration is lawful. The registration may be unlawful, and if it is removed, the ground for refusal disappears with it.
De Vereende as a safety net
If you fall outside the acceptance criteria of regular insurers, you can in many cases turn to De Vereende, the Dutch safety-net insurer. De Vereende itself explains that it takes a tailored approach to applications from people with an EVR registration: it investigates the reason for the registration, asks the registering company what happened, and then assesses whether cover is possible and on what terms.
What you need to know:
- handling takes longer than an ordinary application, because enquiries have to be made with other insurers;
- if you have registrations from several companies, it will take correspondingly longer;
- the premium is generally considerably higher than with a regular insurer;
- acceptance is not automatic; it remains an individual assessment.
This is a practical way out if the registration is justified. It is not a substitute for challenging a registration that is flawed: as long as the registration stands, you will keep bearing the consequences with every subsequent application, with your mortgage and sometimes at work.
When challenging the registration makes sense
An EVR registration may only be made if all the conditions of Article 5.2.1 of PIFI 2026 (the Dutch financial institutions’ incident warning protocol) are met: the conduct must pose a threat to the interests of the sector or its customers, your involvement must be sufficiently established, and the registration must be proportionate. Where criminal offences are involved, a report to the police is in principle filed.
In addition, the duration is also tested against the principle of proportionality (Articles 4.3.3 and 5.3.2 PIFI). Eight years is a maximum. If removal is not achievable, a shorter period often is, and in practice that saves years during which you are insurable again.
A cancellation of the policy for non-payment is a different matter: what helps there is not a legal defence but removing the cause. Pay the arrears, ask for written confirmation that the claim has been settled, and ask the insurer to amend the registration if its basis has ceased to exist. More on this in cancellation of an insurance policy: consequences and what you can do.
What you can do now
- Ask for a written explanation of the refusal: which entry, made by which party, on which date.
- Submit an access request to Stichting CIS and to the insurer that made the entry.
- In the meantime, make sure you are not driving uninsured: suspend the registration with the RDW if you are not using the vehicle.
- Have it assessed whether the registration passes the test of Article 5.2.1 and whether its duration has been substantiated.
- At the same time, request a quote from De Vereende, so that you are not left stranded while the request is pending.
Frequently asked questions
My partner cannot get insurance either. Is that because of my registration?
A registration is recorded in the name of the registered person. Even so, someone in your household may be affected by it, for example because the insurer asks who the regular driver is or at which address the vehicle is kept. In that case, find out exactly on what ground your partner’s application was refused and whether data about you were used; the latter is processing of your data about which you can ask questions.
Can I register the car in someone else’s name?
That does not solve the problem and may make it worse. If you remain the actual driver while someone else acts as the policyholder, this may, in the event of a claim, be treated as withholding relevant information. That touches on the duty of disclosure under Article 7:928 of the Dutch Civil Code (BW) and may lead to the claim being rejected and, in the worst case, to a new registration.
How long will it take before I can get insured normally again?
That depends on the entry. For non-payment, three years from the reference date; for a cancellation of the policy or a claim report, five years; for an EVR registration, a maximum of eight years. If the duration of an EVR registration is shortened, that end date moves forward.
Is a claim report in the CIS database a problem?
A claim report only means that a claim was made under a policy; it is not a fraud signal. It can, however, be taken into account for the premium and the terms. If a claim report is presented as though it concerns fraud, that is a point to raise.
Further reading
- Removing or shortening an EVR registration
- Removing a CIS registration
- Accused of fraud in a car damage claim
- Lawyer for an EVR or CIS registration
Sources and methodology
The retention periods for each type of registration follow Stichting CIS on the types of registration. The conditions for registration and the test of its duration are set out in Articles 5.2.1, 4.3.3 and 5.3.2 of PIFI 2026. De Vereende’s approach to applications involving an EVR registration is taken from its own explanation Applying to De Vereende with an EVR registration. Source texts checked on 17 September 2026. Whether acceptance is possible in your case is for the insurer to decide; we make no promise on that point.
Legally reviewed by Onur Arslan, attorney at Arslan Advocaten. Reviewed on 17 September 2026.
