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Understand your position, gather the right documents and explore the next step for your situation.
Find explanations for your situation · 50 Articles
Claims and cover
Insurer rejects your claim: when should you contact a lawyer?
Insurance refusing to pay? Learn how to examine the rejection, gather evidence and choose between a complaint, Kifid and an insurance lawyer.
Read article →Dutch lawCoverage dispute with your insurer: interpreting the policy and getting legal help
Disagreement about an exclusion or policy wording? Prepare your coverage dispute with the correct terms, relevant facts and specialist legal advice.
Read article →Dutch lawInsurer not responding or paying late: how can a lawyer help?
Your insurer is silent or payment is overdue? Identify the blockage, commitments and urgent consequences, then choose an appropriate legal step.
Read article →Dutch lawAOV disability benefit refused or stopped: legal help with your insurance dispute
Your disability insurer refuses or stops benefits? Organise the policy, medical assessment and occupational duties for specialist legal advice.
Read article →Dutch lawRequesting an advance insurance payment: substantiation and conditions
Do you face repair costs or lost income while the claim is ongoing? Prepare a focused advance request and check reservations and deductions.
Read article →Dutch lawNeed an insurance lawyer? Choose help suited to your dispute
Looking for a lawyer against your insurer? Prepare policy, refusal and evidence, and discuss expertise, strategy, costs and urgent deadlines.
Read article →Dutch lawFire damage not reimbursed: a lawyer for investigation and repairs
Fire claim rejected or investigation stalled? Prepare your file on cause, exclusions, expert reports, remains and repair agreements.
Read article →Dutch lawWater damage rejected: assess leakage, cause and compensation
Insurer refusing water damage? Distinguish leakage, consequential damage, repairing the cause and maintenance, and prepare to consult a lawyer.
Read article →Dutch lawStorm damage rejected: have wind evidence and the policy assessed
Storm damage not reimbursed? Examine the storm definition, wind at your location, cause of damage and deductible, and prepare a file for your lawyer.
Read article →Dutch lawCar damage: which insurer should you approach?
Identify the cover applicable to car damage, collect evidence and check repairs, deductible, claim-free years and any rejection.
Read article →Dutch lawCancelling a trip: will your cancellation insurance pay?
When cancelling, check your insured reason, booking date, evidence and cancellation costs. Separate your claims against the travel provider and insurer.
Read article →Dutch lawLife insurance payment: is the amount correct and who receives it?
For life insurance, check the maturity date, guarantee, accumulated value, beneficiary designation and surrender before accepting a payment or final statement.
Read article →Dutch lawTerm life insurance does not pay: check the rejection
Investigate a refused term life insurance payment: term, insured amount, beneficiary designation, health declaration and next steps.
Read article →Dutch lawHealth insurance does not reimburse: investigate the decision
Check a refused health reimbursement against the basic package, supplementary cover, authorisation, provider contracts and personal payments. Read how to request reassessment.
Read article →Dutch lawProfessional indemnity insurance: a claim after a professional error
Investigate a claim under professional indemnity insurance: insured activities, notification timing, defence, exclusions and loss calculation.
Read article →Dutch lawBusiness interruption insurance: stoppage and lost gross profit
Prepare your business interruption claim with evidence of cause, lost gross profit, indemnity period, additional costs and agreements with the expert.
Read article →Dutch lawDirectors’ and officers’ liability insurance: claim and cover
Held personally liable as a director? Examine your directors’ policy, insured people, reporting deadlines, defence costs and conflicts of interest.
Read article →Evidence and assessment
Your insurer accuses you of fraud: when to involve a lawyer
An insurance fraud allegation can affect your claim, policy and registration. Prepare the facts and challenge each measure with specialist advice.
Read article →Dutch lawInsurance EVR registration: access, removal and legal help
Your insurer has entered your details in the EVR? Learn how to obtain records, challenge the grounds and duration, and prepare a removal request.
Read article →Dutch lawIndependent assessment of insurance damage: costs and legal help
Disagree with your insurer’s damage valuation? Learn when an independent expert helps, which cost questions to ask and when to consult a lawyer.
Read article →Dutch lawReporting damage to your insurer: complete, timely and provable
Report insurance damage carefully and retain evidence. Learn which facts to supply, how to correct errors and how to address alleged late notification.
Read article →Dutch lawEvidence for your insurance claim: substantiating cause, ownership and the amount of loss
Your insurer considers the damage insufficiently proven. Build a focused file on cause, ownership and costs, and recognise when you need an expert or lawyer.
Read article →Dutch lawThe insurer's loss adjuster: report, authority and objections
A loss adjuster is investigating your claim. Ask about the assignment and role, check the report and distinguish assessment of the loss from coverage.
Read article →Dutch lawLimiting damage and mitigation costs: what does your insurance reimburse?
You urgently need to prevent further damage. Document necessity and costs, and distinguish mitigation, maintenance and final repairs in your claim.
Read article →Dutch lawInsurer requests medical information: have the request and consent assessed
Must you share medical data with your insurer? Check the purpose, relevance, medical adviser and consent before your records are disclosed.
Read article →Dutch lawCurrent value or new replacement value: have an insufficient insurance payment assessed
Is your insurer heavily depreciating damaged possessions? Check the policy, valuation date, depreciation schedule and calculation with legal help.
Read article →Dutch lawInsurer relies on gross negligence: have the exclusion examined
Claim rejected for gross negligence or recklessness? Examine the policy definition, evidence and causation with an insurance lawyer.
Read article →Complaints and proceedings
Choosing your own lawyer under legal expenses insurance: arrange payment first
Want to choose your lawyer using legal expenses insurance? Check proceedings, cover, budget and instructions before incurring costs.
Read article →Dutch lawLegal expenses insurer refuses your case: assess cover and help
Your legal expenses insurer declines or stops your case? Separate coverage from prospects and prepare a focused complaint or second opinion.
Read article →Dutch lawLimitation of insurance claims: protect your entitlement in time
Could your insurance claim become time-barred? Review when it became due, previous letters and interruption. Have a lawyer assess the correct deadline and action.
Read article →Dutch lawKifid complaint against your insurer: file, deadlines and legal help
Want to complain to Kifid? Check access, internal complaint, evidence and deadlines before choosing binding or non-binding advice.
Read article →Dutch lawSuing your insurer: lawyer, evidence and litigation risk
Do you want to take your insurer to court? Prepare the claim, correct party, policy and evidence, and discuss costs and alternatives with a lawyer.
Read article →Dutch lawSettling with your insurer: have final release assessed before agreeing
An insurer offers settlement? Check amount, costs, reservations and final release before accepting a definitive agreement.
Read article →Dutch lawComplain to your insurer: a focused letter and next step
An insurance complaint needs a clear decision, evidence and remedy. Prepare your letter and recognise when legal advice is needed.
Read article →Dutch lawBinding or non-binding Kifid advice: choose before your insurance case
Binding Kifid advice affects appeals and court proceedings. Compare the routes before having your insurance complaint decided.
Read article →Dutch lawInsurance adviser liability: advice errors, missed cover and loss
Incorrectly insured because of your adviser? Examine the engagement, duty of care and feasible alternative cover before seeking damages.
Read article →Dutch lawLegal expenses dispute procedure: a lawyer for disagreements about approach or prospects
Does your legal assistance provider want to stop? Prepare for the dispute procedure with a precise question, complete file and clear cost arrangements.
Read article →Dutch lawPayment to the injured party: when can you approach the insurer?
Read when direct payment under Article 7:954 of the Dutch Civil Code is possible, which notification and cover are needed and how property damage and the WAM differ.
Read article →Policies and insurance
Check your insurance policy: identify a coverage gap before claiming
Does your policy still fit home, work and belongings? Check insured people, amounts and changes and obtain advice on a specific coverage gap.
Read article →Dutch lawReading policy conditions and exclusions in an insurance dispute
An exclusion seems to block payment? Read definitions, clauses and versions together and prepare the legal question precisely.
Read article →Dutch lawInsurance disclosure duty: assess incorrect answers and consequences
Your insurer alleges withheld information? Collect the application and questions and examine error, intent and possible consequences separately.
Read article →Dutch lawUnderinsurance after damage: calculation, guarantee and legal help
Your insurer reduces payment for underinsurance? Check insured value, limits and guarantee, and have the calculation assessed.
Read article →Dutch lawTwo policies for the same damage: who should handle your claim?
Two insurers refer you to each other? Examine overlapping cover, policy differences and payments and prepare a focused claim or complaint.
Read article →Dutch lawCancelling insurance: end date, cover and disputed termination
Want to cancel or challenge termination? Check grounds, end date, replacement acceptance and written confirmation.
Read article →Dutch lawBuildings insurer refuses home damage: assessing cause and cover
Your buildings insurer will not pay for damage to your home. Gather cause investigations, the policy and repair records, and have the refusal assessed specifically.
Read article →Dutch lawContents insurance refuses a claim: proving belongings, location and value
Your contents insurer will not pay after damage or theft. Check the risk address, event, ownership and valuation, and prepare a challenge with a lawyer.
Read article →Dutch lawLiability insurance refuses damage: liability and cover
Your liability insurer will not pay for damage to someone else. Separate legal liability, policy cover and amount, and prepare for advice.
Read article →Dutch lawPremium arrears and no cover: have the reminder and suspension assessed
Insurer refusing cover because of premium arrears? Examine the payment reminder, payment period and restoration of cover with an insurance lawyer.
Read article →Dutch lawYour insurer terminates your policy: reason, end date and lawyer
Is your insurer cancelling the policy? Have the reason, terms and end date assessed and carefully prepare your objection and replacement cover.
Read article →Dutch lawCohabitation or separation: who remains insured?
When moving in together or separating, check who is insured, which addresses and children are covered and how to record changes without interruption.
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