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Mistakes or possible cases of fraud on the part of customers – insurance companies keep records of this in the notice and information system. But what does this mean for customers?
Mishaps and damage in everyday life can happen quickly. Insurance such as private liability insurance ensures that the costs are covered and that you as a private individual do not end up financially ruined. Which insurance is important depends somewhat on your individual life circumstances – you can find an overview here. Everything about insurance is not only complex for customers, providers also face challenges. In order to get an overview yourself, there are registers for insurance companies – the so-called notice and information system (HIS).
What is the notice and information system?
If you have broken items, you can report this to the relevant insurance company. If this happens frequently, you may be listed in the internal insurance register HIS. © Matthias Stolt/Chromorange/Imago
The HIS is an information file for insurance companies. This serves to ensure that insurance companies can “obtain information from other insurance companies or pass on data to other insurance companies when examining an insurance application or in the event of damage,” informs the company Federal Commissioner for Data Protection and Freedom of Information.
The HIS was developed at the beginning of 1993, after technical and data protection changes by informa HIS GmbH it was further developed and put into operation on April 1, 2011. According to the company’s own information, the HIS is intended to serve the “well-being of all insured persons”. Informa-his.debecause “the insurance premiums should correspond to the risk to be insured”.
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A message can arise, for example, if you report frequent damage to your smartphone and are informed Bild.de.
What data is transmitted?
Insurance companies can obtain information about the following data:
With the help of the information file, insurance companies can obtain information about people, vehicles and properties that arise in connection with insurance claims in the event of abnormalities.
Retention periods: This is how long common documents must be kept
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How you can get cheap insurance rates and save money.
What consequences do registration have for customers?
If you, as a customer, are currently having a streak of bad luck and therefore receive a lot of damage reports in a certain period of time, you can be listed. So there doesn’t have to be any suspicion of possible fraud in order to have problems with the next (cheap) insurance deal.
How do you find out that you are listed in the HIS?
If you are reported in the HIS, the insurers who registered you will inform you directly Bild.de. However, you can also actively request information about yourself, the vehicle or the property online. If the data is incorrect, you can request deletion from informa HIS GmbH and a revocation from the insurance company that transmitted the data, reports Federal Commissioner for Data Protection and Freedom of Information.