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 […]
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 […]
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 […]
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 […]
