Has your AOV benefit been denied or terminated? It is understandable that you want clarity quickly. A disability insurance (AOV) can be important for your income if illness or an impairment means you can work less or not at all. Still, a denial is not automatically the end of the matter, nor automatically incorrect. The first step is […]
The Incident Alert System for Financial Institutions (PIFI) is intended to enable financial institutions, under strict conditions, to investigate whether a (natural or legal) person poses a risk to the safety or integrity of the financial sector. The rules and safeguards are set out in the Protocol Incident Alert System for Financial Institutions 2026. The alert system is not a central, general consumer register. Each participating financial institution conducts […]
When you take out an insurance policy, you have a duty of disclosure, and failing this can lead to an allegation of non-disclosure in insurance. This means you must provide all relevant information truthfully to the insurer. But when is an insurer’s reliance on non-disclosure actually justified? And what are the consequences for your […]
Do you disagree with your insurer’s damage assessment? Then a contra-expertise (independent expert assessment) may be relevant. With a contra-expertise you hire your own expert to reassess the damage, the cause or the repair costs. This can, for example, occur with fire, water or household contents (inboedel) damage, but also with other damage claims where you have doubts about a previous report. […]
After a notification of loss, an insurer may appoint an expert. That expert will, for example, investigate the cause, the extent of the damage, options for repair, or the costs. The findings are often set out in an expert report. Such a report can play an important role in the further handling of your claim, but it does not automatically determine the outcome of your […]
The role of the insurer’s loss adjuster is often viewed critically, especially regarding their independence. You may wonder whether these experts truly work neutrally or primarily serve the insurer’s interests. In this blog post, we examine the legal frameworks and professional codes of conduct that a loss adjuster affiliated with the insurer must […]
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When you face damage or medical costs, chances are high that you will have to deal with a deductible insurance. This means that you first pay a part of the costs yourself before your insurer pays out. Although this concept is known to many people, in practice legal disputes regularly arise […]
Have you suffered loss but only notified your insurer after some time? A late notice of loss is one of the most common reasons for insurers to reject a claim. Many insured persons are not fully aware of the strict time limits set out in the policy terms and conditions. When you are […]
When considering to litigate against an insurer, you are likely in a complex situation. Your legitimate claim has been unjustly rejected or your coverage suspended. You take out insurance for financial security when disaster strikes. Yet, in practice, insurance companies regularly invoke complicated policy conditions or alleged non-disclosure to avoid paying out […]
When you are confronted with damage and involve your insurer, you expect a fair and objective assessment. Sometimes a second-opinion damage appraisal is necessary to enforce your rights. It regularly happens that the expert engaged by the insurer estimates the loss significantly lower than you expected, or that certain heads of loss are rejected entirely […]
