When you are faced with a CIS registration or EVR registration, it has major consequences. You may encounter problems when taking out insurance, opening an account, applying for a mortgage, or even a lease contract. Many clients experience such a registration as a barrier that puts their lives on hold for years.

Good news: removing a CIS or EVR registration is difficult, but not impossible.
At Arslan Advocaten we carefully assess whether your registration can be legally challenged and guide you fully through the removal process.

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What is a CIS registration?

A CIS registration means that your personal data are included in the database of Stichting CIS (Central Information System). This database is accessible to virtually all insurers in the Netherlands.
Although some registrations are administrative, others can be very harmful.

Reasons for a CIS registration

You will be included in CIS, among other things, when:

• there are payment arrears to the insurer;

• you have made a claim that the insurer deems irregular;

• your policy has been terminated due to risky behavior;

• you caused damage while driving without insurance;

• a suspicion of fraud has been established.

Note: CIS Foundation does not only maintain records related to fraud. Other situations can also lead to a registration, such as:

• Claims for damages: When you regularly or conspicuously file claims for damages, this may be grounds for a registration.
• Disqualification from driving: If your right to drive has been withdrawn, for example after a serious traffic violation, this can also be recorded in the CIS.
• Confidential Notifications: Your insurer can place a Confidential Notification if, for example, you do not pay the premium (even after a reminder) or do not cooperate with a claims investigation.

Additionally, there is the External Referral Register (EVR), a separate registration within the CIS system, which is mainly used in cases of (suspected) insurance fraud.

Many clients only find out much later that they are registered.

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What is an EVR registration?

The External Referral Register (EVR) is part of the Protocol Incident Warning System for Financial Institutions (PIFI).
It includes reports of serious incidents, including insurance fraud.
Think of situations in which an insurer believes that you have knowingly provided incorrect information.

The importance of intent for an EVR-registration

Before an insurer may include you in the EVR, an important principle applies: intent. It must be shown that you acted deliberately with the aim of deceiving the insurer, for example by providing fraudulent information to receive a payout.A mere suspicion of fraud is not sufficient. According to the Protocol Incident Warning System for Financial Institutions (PIFI) and case law require the insurer to actually be able to demonstrate that you acted intentionally. A case of mistaken identity, misunderstanding or an innocent mistake should therefore not lead to an EVR-registration.Why is this so important? An EVR-registration is far-reaching, as described above: it significantly limits your options in the financial market. Care and evidence are therefore required.If the intent criterion is not established, there are often good legal options to have your registration undone—whether or not via the courts.

An EVR registration is far-reaching because:

• it is shared with banks, insurers and financial institutions;

• you often cannot take out a new insurance policy;

• loans, mortgages, and financial products are refused;

• the registration for up to 8 years can remain.

An EVR registration is therefore comparable to a fraud report — but not every report is justified. We regularly see insurers register too quickly.

Can an EVR registration have consequences for housemates or family members?

Yes, unfortunately an EVR registration can reach beyond just yourself. Because the registration with Stichting CIS is linked to your name and home address, household members or relatives who live at the same address can be indirectly affected by it.In practice, we regularly see insurers being extra critical of applications from people registered at the same address. Sometimes housemates or partners are not accepted for a new insurance policy, simply because of the address. There are even situations in which an insurer makes it a condition that you may not be listed as a regular driver on a car insurance policy.In short: an EVR registration can inadvertently affect the entire household. That makes it all the more important to assess whether the registration was rightly placed and, where possible, to take legal steps to have it removed.

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When does a CIS or EVR registration arise?

Registrations can result from, among other things:

• failure to meet payment arrangements;

• termination of the insurance due to a negative claims history;

• causing damage while driving an uninsured car;

• a driving ban;

• suspicion of fraud;

• unclear or incorrect claim handling.

Especially when fraud is suspected, things often go wrong.
Insurers sometimes register too quickly, with insufficient evidence or without a balancing of interests — something that is not legally permitted under the GDPR and the PIFI protocol.

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How long does a CIS or EVR registration remain on record?

The retention periods differ by reason:

• 15 months – negative no-claims years

• 3 years – unmet financial obligations

• 5 years – damage involving an uninsured car, breach of contract, or driving ban

• 8 years – EVR fraud registration

Note:
These durations are the maximum permitted, but not automatically proportional.
A lawyer can argue that a registration should be removed earlier if the impact is disproportionately large.

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What are the consequences of a CIS or EVR registration?

A registration can lead to:

• rejection by almost all regular insurers;

• significantly higher premiums at special “second-chance insurers”;

• problems with mortgage applications;

• a block on loans or credit cards;

• limitations on business insurance (ZZP / BV);

• financial exclusion for up to 8 years.

In particular, EVR registrations can affect an entire professional life — for example in professions that require reliability.

Other common problems in insurance law

In addition to CIS and EVR registrations, there are other situations in which policyholders encounter unexpected problems. Consider the following:

• Suspension of coverage due to premium arrears:
  When a premium is not paid (on time), your insurer may decide to temporarily suspend the coverage. During that period you are not insured—even if you pay later. Many people only notice this when they want to file a claim, but afterward turn out not to be covered.
• No payout after car theft:
  Has your car been stolen, but the insurer refuses to pay out? This happens more often than you might think. Causes can range from allegedly incomplete information to doubts about the legitimacy of the claim. Each year, Stichting Verzekeringsbureau Voertuigcriminaliteit thousands of car thefts in the Netherlands, but not every victim is compensated for their loss.
• Rejection of insurance claims:
  Insurers may reject claims due to alleged inaccuracies in the application, or because they believe the policy conditions have not been met. Sometimes the rejection occurs without a clear explanation, or a client is referred to a complaints procedure without any real consideration of the substance.
• Premium increases or unilateral changes to policy terms:
  Some insurers significantly increase the premium after an incident, or change the coverage mid-term. This can have far-reaching financial consequences, especially for people who rely on a specific insurance.

Regardless of the issue: insurers always have a duty of care and there is a legal framework within which decisions must be made. An independent assessment often proves necessary to reach a fair solution.

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How do you request your CIS registration?

You have the right of access under the GDPR.
You can request your data via Stichting CIS:

👉 External link:
https://stichtingcis.nl

You will then receive an overview showing whether and why you are registered.

Note: Unfortunately, it is not possible to contact Stichting CIS and to have the registration removed. You can only request access to your registration; to delete or adjust data, you must follow the usual objection or correction procedure through the insurer who made the registration.

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Can a CIS or EVR registration be removed?

Yes — but only if there are legal grounds.
A registration must, under law and protocol, comply with:

✔ Necessity

Is the registration necessary for fraud prevention?

✔ Proportionality

Is the impact on your life not disproportionately severe?

✔ Subsidiarity

Could the insurer have chosen a less severe measure?

✔ Correctness

Have the facts been correctly established?

✔ Evidence

Is there concrete evidence of fraud or negligence?

If any of these elements is missing, removal can be enforced.

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How does Arslan Advocaten assess your registration? 

Our lawyers have extensive experience with:

• CIS registrations

• EVR fraud registrations

• Disputes with insurers

• GDPR procedures

• PIFI assessments

• Correction and deletion requests

We assess:

1. the legal basis of the registration;

2. the evidence from the insurer;

3. whether the insurer the balancing of interests has carried out correctly;

4. whether the registration proportionate is;

5. whether the registration can be removed earlier.

In many cases, we find that insurers register too strictly without sufficient evidence or without a balancing of interests — that is unlawful.

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Step-by-step plan: removing CIS and EVR registration

1. Request your registration

You do this yourself via Stichting CIS.

2. Legal analysis

We analyze whether there are grounds for removal.

3. Objection to the insurer

We submit a formal, legally substantiated request based on:

• GDPR

• proportionality

• subsidiarity

• PIFI protocol

4. If necessary to complaints authority / court

If necessary, we escalate to:

• the Data Protection Officer of the insurer;

• Kifid;

• the civil court.

5. Registration is adjusted or removed

If a well-founded request is made, your registration will be removed in whole or in part.

Legal expenses insurance: support in disputes

Do you have legal expenses insurance with coverage for conflicts regarding CIS or EVR registrations?Then your insurer can reimburse the costs of legal assistance, including engaging a lawyer when necessary.How does it work in practice?

• You report the dispute to your legal expenses insurer (such as Achmea, ARAG or DAS).
• If it is covered, legal costs are usually reimbursed — even if the proceedings have to be conducted by an external lawyer.
• With your permission, we will contact your legal expenses insurer directly to arrange the coverage and the next steps for you.

This means that you can focus on your case, while we take care of the legal coordination.This way you avoid unexpected costs and we are stronger in the proceedings against the insurer.

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Examples from practice

• Removing EVR-registration after false suspicion: Removed after balancing of interests.

• CIS-registration due to administrative error: Corrected within two weeks.

• Suspicion of fraud without evidence: EVR-registration annulled due to violation of proportionality.

Free legal consultation at Arslan Advocaten

Would you like to know whether your CIS and EVR registration removed can be?
We carefully review your case and provide honest advice.

📞 Call us for immediate legal advice
✉️ Or fill out the contact form on our website

You are not alone — we will help you further.