When you have to deal with a CIS registration or EVR registration, this has major consequences. You may experience problems taking out insurance, opening an account, applying for a mortgage or even a lease contract. Many clients experience such a registration as a blockage that puts their lives at a standstill 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 we fully guide you through the removal process.

What is a CIS registration?

A CIS registration means that your personal data is included in the database of Stichting CIS (Central Information System). This database is accessible to almost 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 towards the insurer;

• you have claimed damage that the insurer assesses as irregular;

• your policy has been terminated due to risky behavior;

• you have suffered damage without insurance;

• a suspicion of fraud has been established.

• Damage claims: If you regularly or conspicuously claim damage, this may give rise to a registration.
• Driving disqualification: If your driving privilege has been disqualified, for example after a serious traffic offence, this may also be noted in the CIS.
• Confidential Notices: Your insurer may place a Confidential Notice if, for example, you do not pay the premium (even after a reminder) or do not cooperate in a claim investigation.

Many clients only discover much later that they are registered.

What is an EVR registration?

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

The importance of intent in a EVR registration

An EVR registration is radical because:

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

• you often cannot take out new insurance;

• loans, mortgages and financial products are refused;

• the registration can remain for 8 years.

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

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

When is a CIS or EVR registration created?

Registrations can arise from, among other things:

• failure to comply with payment agreements;

• termination of the insurance due to negative claims;

• Driving damage with an uninsured car;

• a driving ban;

• suspected fraud;

• unclear or incorrect claim handling.

Things often go wrong, especially when fraud is suspected.
Insurers sometimes register too quickly, with insufficient evidence or without weighing up interests — something that is not legally permitted according to the GDPR and the PIFI protocol.

How long does a CIS or EVR registration remain valid?

The retention periods differ per reason:

• 15 months – negative claim-free years

• 3 years – unfulfilled financial obligations

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

• 8 years – EVR fraud registration

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

What are the consequences of a CIS or EVR registration?

A registration can lead to:

• refusal from almost all regular insurers;

• significantly higher premiums with special “second chance insurers”;

• problems with mortgage applications;

• block when borrowing or credit cards;

• limitation for business insurance (ZZP / BV);

• financial exclusion for up to 8 years.

EVR registrations in particular can affect an entire working life — for example in professional groups that require reliability.

Other common issues in insurance law

• Suspension of coverage due to premium arrears: If a premium is not paid (on time), your insurer may decide to temporarily suspend coverage. You will then not be insured during that period—even if you pay later. Many people only notice this when they want to claim damage, but later it turns out that they are not covered.
• Non-payment after car theft: Is your car stolen, but the insurer refuses to pay out? This happens more often than people think. Causes can range from alleged incomplete information to doubts about the legality of the claim. Every year, The Vehicle Crime Insurance Agency reports thousands of car thefts in the Netherlands, but not every victim receives compensation for their damages.
• Rejection of claims: Insurers may reject claims due to alleged inaccuracies in the application, or because they believe that the policy conditions have not been met. Sometimes the rejection takes place without clear motivation, or a client is referred to a complaints procedure without really looking at the content.
• Increase in premium or unilateral change of policy conditions: Some insurers increase the premium significantly after an incident, or change the coverage in the meantime. This can have far-reaching financial consequences, especially for people who are dependent on specific insurance.

How do you request your CIS registration?

You have the right to access according to the GDPR.
You can request your data via Stichting CIS:

👉 Outgoing link:
https://stichtingcis.nl

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

Please note: Unfortunately, it is not possible to contactStichting CISand have the registration deleted. You can only request access to your registration; To delete or adjust data, you must follow the usual objection or correction procedure via the insurer that made the registration.

Can a CIS or EVR registration be deleted?

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

✔ Necessity

Is registration necessary for fraud prevention?

✔ Proportionality

Isn't the impact on your life disproportionately heavy?

✔ Subsidiarity

Could the insurer have chosen a lighter measure?

✔ Correctness

Are the facts correctly established?

✔ Proof

Is there concrete evidence of fraud or negligence?

If any of these elements are missing, removal may be enforced.

How does Arslan Advocaten assess your registration? 

Our lawyers have extensive experience with:

• CIS registrations

• EVR fraud registrations

• Disputes with insurers

• GDPR procedures

• PIFI Ratings

• Correction and deletion requests

We rate:

1. the legal basis of the registration;

2. the supporting documents from the insurer;

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

4. whether the registration is proportional;

5. whether the registration can be deleted earlier.

In many files we find that insurers register too strictly without sufficient evidence or without weighing up interests - that is unlawful.

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

1. Request your registration

You can do this yourself via the CIS Foundation.

2. Legal analysis

We analyze whether there are grounds for removal.

3. Objection from insurer

We submit a formal, legally substantiated request on the basis of:

• GDPR

• proportionality

• subsidiarity

• PIFI protocol

4. If necessary, go to the complaints body / judge

If necessary, we will escalate to:

• the Data Protection Officer of the insurer;

• Kifid;

• the civil court.

5. Registration is changed or deleted

In the event of a well-founded request, your registration will be deleted in whole or in part.

Legal expenses insurance: support in case of disputes

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

Practical examples

• Remove EVR registration after incorrect suspicion: Removed after weighing up interests.

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

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

Free legal consultation at Arslan Advocaten

Do you want to know whether your CIS and EVR registration can be deleted?
We carefully assess your file and provide honest advice.

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

You are not alone — we will help you.