Have you suddenly received notice that your insurance is being terminated? That is alarming. However, an insurer may not simply discontinue your policy. The law and your policy conditions determine exactly when this is permitted. In many cases, a termination is unjustified or disproportionate. In that case, you can take action against it.
At Arslan Advocaten, we help clients who unjustly lose their insurance. We assess the reason, file objections, and recover our costs from the insurer where possible — so our assistance can be free of charge for you.
What does termination of a policy mean?
Upon termination, your coverage stops. From that moment, the insurer no longer compensates any damage. This can be significant, especially with mandatory insurance such as your motor vehicle liability insurance or home contents insurance that you rely on daily.
When may the insurer terminate your policy?
An insurer may only terminate your policy if there is a legal or contractual reason for doing so. Think of:
- Premium arrears: you have not paid despite reminders.
- Fraud or deception: the insurer may cancel if it turns out you deliberately provided incorrect information.
- Change of risk: after relocation or repeated claims history, a different risk assessment may arise.
- End of contract period: after the initial contract period, insurance can usually be cancelled monthly.
Even then, the insurer must adhere to reasonableness and fairness. Without a clear reason or hearing both sides, the termination is often invalid.
Termination after fraud investigation
After a fraud investigation, insurers regularly terminate a policy. You are then told that your claim was incorrect or that information does not match. Sometimes an External Reference Register (EVR) registration even follows. In many cases, however, the suspicion turns out to be poorly substantiated. In that case, the termination can be reversed.
What can you do about an unjustified termination?
1. Request the reason in writing
The insurer must explain why your insurance was terminated. Request that explanation and keep the letter or email safe.
2. Check your policy conditions
Check whether the stated reason actually appears in your conditions. If that ground is missing, the termination is invalid.
3. File an objection
File an objection as quickly as possible. Explain why the termination is not justified and refer to your policy and the applicable rules.
4. File a complaint with KiFiD
If you cannot resolve it together? Then you can file a complaint with the Financial Services Complaints Institute (KiFiD). KiFiD can determine that your insurance was unjustly terminated and that coverage must be restored.
5. Start legal proceedings
If the insurer persists, you can enforce through the court that your policy is restored or that you receive compensation. Our lawyers fully guide you through this process.
What does Arslan Advocaten do for you?
- We assess whether the termination is legally valid.
- We file objections or complaints with the insurer or KiFiD.
- We start proceedings in court if necessary.
- We recover our costs from the insurer, so our assistance can be free of charge for you.
Has your insurance been unjustly terminated?
Contact Arslan Advocaten. We ensure your coverage is restored and your rights are protected.
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