The registration duration at Stichting CIS depends on the type of registration. A general rule that every CIS registration has the same duration is therefore incorrect. Stichting CIS distinguishes, among others, claim reports, reports on uninsured motor vehicles, driving disqualifications, confidential communications, and EVR registrations with insurers.
If you want to know what applies in your own situation, first request access to your CIS registrations. Only when it is clear which type of registration has been recorded can the correct duration and the possible correction route be assessed.
What is Stichting CIS?
Stichting CIS manages a database with data originating from participating insurers. This may include, for example, data on submitted claims or certain other registrations. According to Stichting CIS, a claim report means that someone is making a claim for insurance coverage. A claim report is therefore not automatically a fraud or EVR registration.
CIS is not the same as the British Construction Industry Scheme. CIS is also not the same as BKR. BKR is about credit registrations; Stichting CIS is about a database for participating insurers and the registration types they record in it.
What is the registration duration per type of CIS registration?
Stichting CIS publishes its own starting point per registration type. In broad terms, the following durations apply.
| Registration type in CIS database | Duration according to Stichting CIS |
|---|---|
| Claim report | Five years from the reference date |
| Guarantee fund report uninsured | Five years from the reference date |
| Driving disqualification | Five years from the last day of the disqualification |
| Confidential communication due to cancellation | Five years from the reference date |
| Confidential communication due to non-payment | Three years from the reference date |
| EVR registration with an insurer | Maximum eight years under the PIFI; in CIS until the end date |
The official explanation from Stichting CIS states that registrations are automatically removed from the CIS database at the end of the applicable term. The term must therefore always be checked with the specific registration type.
EVR in insurance: what does this mean for the duration?
EVR stands for External Referral Register (Extern Verwijzingsregister). For insurance registrations recorded in the CIS database, EVR falls under the rules of the Protocol Incident Warning System for Financial Institutions (Protocol Incidentenwaarschuwingssysteem Financiële Instellingen), also known as PIFI. Stichting CIS mentions a maximum registration duration of eight years for this category. This is a maximum and not an automatic determination for every situation.
An EVR registration is different from a regular claim report. The insurer involved is responsible for the content of an EVR registration. If you do not agree with an EVR registration, Stichting CIS names the insurer that placed the registration as the party where you must submit a correction request.
According to Stichting CIS, the CIS database does not contain EVR or EVA registrations on banking and mortgage products. For that information, CIS refers to BKR and the Mortgage Fraud Prevention Foundation (Stichting Fraudebestrijding Hypotheken).
How do you request access to your CIS registrations?
You can submit an access request to Stichting CIS. CIS will then share the registrations from the CIS database that relate to you. The right to access is personal.
Access is a logical first step when you want to check which registration type is recorded, which reference date is used, and which insurer is responsible for the data.
How does correction of a CIS registration work?
According to Stichting CIS, you must first request access. You can then contact the insurer involved. You can also submit a correction request via CIS within three months after receiving the results of your access request. For each registration, it must be clearly indicated which personal data you believe is incorrect and why.
CIS submits a correction request to the party involved. The participating insurer that placed the registration is responsible for its content. CIS cannot change the data itself.
A request does not automatically lead to removal. The outcome depends on the registration type, the accuracy of the data, the insurer involved, and the facts of the case.
What should you keep for an assessment?
Keep the outcome of the access request, correspondence with the insurer, policy documents, claim documents, decisions, and documents that support your position. Also inquire exactly which registration has been placed and which reference date applies to it. Without that information, it is difficult to carefully assess the applicable duration or correction route.
Frequently asked questions about CIS registration duration
Is the registration duration at CIS always five years?
No. Stichting CIS mentions different durations per registration type. For example, claim reports remain in the CIS database for five years from the reference date, while a confidential communication due to non-payment can remain for three years. According to Stichting CIS, an EVR registration with an insurer has a maximum duration of eight years under PIFI.
Is a CIS registration automatically removed?
Stichting CIS states that registrations are automatically removed from the CIS database at the end of the applicable term. However, it must first be determined which registration type is recorded and from which date the term runs.
Can I have a CIS registration corrected?
You can submit a correction request after access. Stichting CIS states that the insurer involved is responsible for the content of the registration. A correction request therefore requires a concrete explanation of the data you believe to be incorrect.
What is the difference between a CIS registration and an EVR registration?
CIS is a database with various registration types from participating insurers. EVR is the External Referral Register and falls under PIFI for insurance registrations. A regular claim report is not automatically an EVR registration.
Is a banking EVR registration also in the CIS database?
Stichting CIS states that the CIS database does not contain EVR or EVA registrations on banking and mortgage products. For that information, CIS refers to BKR and the Mortgage Fraud Prevention Foundation (Stichting Fraudebestrijding Hypotheken).
Sources
- Stichting CIS: soorten registraties en bewaartermijnen
- Stichting CIS: inzage en correctie
- Nederlandse Vereniging van Banken: PIFI 2026
Read also
- CIS-registratie verwijderen: wat is het en hoe werkt een verzoek?
- CIS-registratie bij verzekeraars: wat betekent dit?
- BKR-registratie verwijderen: wat kunt u doen?
Need help?
Do you have a CIS registration and want to understand which duration or correction route applies? Arslan & Arslan Advocaten can assess which documents and registration data are needed for a careful assessment. The outcome depends on the specific registration type, the responsible insurer, and the facts of the case.
