Insurance Claim Rejected in Rotterdam: What Can You Do?
Your insurer has rejected your claim. This is frustrating, especially if you believe you're entitled to compensation. Fortunately, you don't have to accept this. This article explains what you can do.
Why are claims rejected?
Insurers reject claims for various reasons:
- Policy exclusion: The damage falls under an exclusion in your policy terms.
- Late notification: You didn't report the damage in time.
- Own fault: The damage was caused by your own actions according to the insurer.
- Incorrect information: You allegedly provided incorrect information.
- Coverage not applicable: The type of damage is not covered by your insurance.
Step 1: Request a written explanation
You have the right to a clear, written explanation of why your claim was rejected. Ask for:
- The specific policy terms on which the rejection is based
- The facts underlying the rejection
- Any investigation or expert reports
Step 2: File a complaint with the insurer
Write a formal complaint letter in which you:
- Contest the rejection with arguments
- Provide your own evidence
- Request reconsideration of the decision
Step 3: Go to Kifid
If your complaint is rejected, you can go to Kifid (Financial Services Complaints Institute):
- Cost: €50 (refunded if complaint is upheld)
- Independent assessment of your case
- Binding advice possible up to €250,000
Summary: your action points
- Request a written explanation
- Check your policy terms carefully
- File a formal complaint with the insurer
- If necessary, go to Kifid
- Consider legal action as a last resort