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Your insurer accuses you of fraud: when to involve a lawyer
When your own insurer alleges fraud under Dutch law, refusal, cancellation, investigation costs and registration are separate decisions. Ask for the complete letter and attachments.
Summary
When your own insurer alleges fraud under Dutch law, refusal, cancellation, investigation costs and registration are separate decisions. Ask for the complete letter and attachments.
Key points
- When your own insurer alleges fraud under Dutch law, refusal, cancellation, investigation costs and registration are separate decisions. Ask for the complete letter and attachments.
- Compare the question, answer and alleged inaccuracy. Intentional deception differs from ambiguity or a mistake. Support what actually happened rather than simply writing that it was an error.
- Preserve the application, claim, photos, invoices and upload evidence in their original form. A new explanation must be recognisable as new. Link each document to the specific allegation.
- For each consequence, ask for the basis and specify the change you seek. Have internal or external registration assessed separately for evidence, duration and proportionality. No allegation automatically justifies every measure.
Please note
Not legally reviewed yet
Transcript
Insurance law in the Netherlands.
When your own insurer alleges fraud under Dutch law, refusal, cancellation, investigation costs and registration are separate decisions. Ask for the complete letter and attachments.
Compare the question, answer and alleged inaccuracy. Intentional deception differs from ambiguity or a mistake. Support what actually happened rather than simply writing that it was an error.
Preserve the application, claim, photos, invoices and upload evidence in their original form. A new explanation must be recognisable as new. Link each document to the specific allegation.
For each consequence, ask for the basis and specify the change you seek. Have internal or external registration assessed separately for evidence, duration and proportionality. No allegation automatically justifies every measure.
Read information requests and deadlines. Ask for an explanation before signing a statement you do not understand. Keep conversation records and give specific corrections without silently replacing earlier statements.
Submit a focused internal complaint and consider Kifid or court with advice. The AFM does not decide your individual case. An insurance complaint does not automatically safeguard a separate criminal process.
Read the full article and sources. General information does not replace advice about your own situation.
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