Insurer Cancels Your Policy in Rotterdam
Insurers are increasingly cancelling policies. As a resident of Rotterdam, this can have significant consequences. This article explains when an insurer may cancel and what you can do about it.
When may an insurer cancel?
An insurer may only cancel your policy in certain situations:
- After a claim: Within two months after handling a claim
- In case of fraud: If you provided incorrect information
- Non-payment: After reminders and a reasonable period
- Risk change: If the insured risk changes substantially
- End of term: Observing the notice period
When is cancellation unjustified?
The cancellation may be unjustified if:
- The notice period was not observed (usually 2 months)
- No valid reason was given
- The cancellation is discriminatory
- You were not given the opportunity to rectify the situation
- The insurer does not comply with policy conditions
Step 1: Request written explanation
Immediately ask your insurer for:
- The exact reason for cancellation
- The date the insurance ends
- Reference to policy conditions
- Information about the complaints procedure
Step 2: File a complaint
If you disagree with the cancellation, you can file a complaint:
- Internal procedure: First with the insurer itself
- Kifid: The Financial Services Complaints Institute
- Court: As a last resort through the court
For residents of de regio Rijnmond, Kifid is often the best option. The procedure is accessible and relatively quick.
Consequences of cancellation
Cancellation by the insurer has far-reaching consequences:
- Registration: You will be registered in the EVR (External Reference Register)
- New insurance: Other insurers may refuse you or charge higher premiums
- Acceptance obligation: Some insurances have mandatory acceptance (like basic health insurance)
Legal assistance in Rotterdam
For unjustified cancellation, legal help can be valuable. A specialist in de regio Rijnmond can:
- Assess the legality of the cancellation
- Guide the complaints procedure
- Object to EVR registration
- Negotiate with the insurer
Your action points
- Immediately request written explanation from the insurer
- Check the notice period and policy conditions
- File a complaint in time (insurer first, then Kifid)
- Start looking for new insurance
- Seek legal help for unjustified cancellation