BKR Proportionality Test: What You Need to Know The BKR proportionality test is an important instrument within the Dutch credit registration system to assess whether a BKR registration is proportionate to the borrower’s situation. This test plays a crucial role in ensuring that lenders and the Bureau Krediet Registratie (BKR) handle credit data in a fair and just manner […]
Are you an entrepreneur and considering applying for a business loan despite a negative BKR? Obtaining business financing can be a considerable challenge when you are faced with a negative entry at the Bureau Krediet Registratie (BKR). For many entrepreneurs, such an entry feels like an insurmountable obstacle to the growth and continuity […]
Objection to CIS registration can be relevant when you believe that data in the CIS database has been processed incorrectly or incompletely. The CIS database is intended for participating insurers and authorized agents and is used in, among other things, claim and risk/acceptance assessments. This article explains how you first request access and then can submit a reasoned correction request. What is […]
Are you dealing with an unjust CIS registration and want to know what your rights are? A registration in the database of Stichting CIS can have far-reaching consequences for your financial and personal life. It can mean that you cannot take out a new insurance policy, a mortgage is refused, or that you face higher premiums. In many cases, however, such a registration is unjust or disproportionate […]
When you face an entry in the incident register, it is crucial that the proportionality test for a CIS registration is carried out carefully and correctly by the relevant financial institution. A registration with the CIS Foundation (Centraal Informatie Systeem) can have far-reaching consequences for your financial and social life. It is not […]
Have you been registered with Stichting CIS and ask yourself: when is CIS registration permitted? A CIS registration can have far-reaching consequences for your financial future. It can prevent you from taking out a new insurance policy, cause your current policy to be terminated, or make it impossible to obtain a mortgage. Insurers use […]
CIS, IVR and EVR: what is the difference? Anyone searching for the difference between CIS, IVR and EVR will quickly encounter terms that are often mentioned in the same breath, but do not mean the same thing. CIS is a database for data from participating insurers. IVR stands for Intern Verwijzingsregister and has an internal function within a financial institution […]
Conflicting expert opinions form a complex legal issue that frequently occurs in civil proceedings and insurance matters. When experts draw different conclusions about the same facts, uncertainty arises that can affect the outcome of a case. In this blog, we discuss the legal aspects of conflicting expert opinions, the consequences for your legal position, and how Arslan […]
The limitation period for an insurance claim (verjaring) is a crucial concept within insurance law that determines how long you have to claim compensation or a payout from your insurer. Verjaring can mean that you lose your right to compensation if you are too late in submitting your claim. In this article we explain, as […]
Civil proceedings against an insurer may be necessary when you disagree with a decision by your insurance company and negotiations fail. In the Netherlands, insured persons have the right to submit disputes about their policy terms and conditions, compensation or rejection of claims to the court. These civil proceedings are a […]
