Although we execute the MGA company (RISK Assuradeuren B.V.) and our role as an intermediary (RISK Direct) in separate legal entities, there is no complete task separation. A strict separation would hinder the efficiency advantages we want to offer you. As a result, there may be a situation where our role as an agent conflicts with our role as an intermediary.
We have formulated the following policy:
The actual leader of the delegated company is ultimately responsible for the delegated policy. If our procedures, work instructions or quality documents do not provide clarity on how we should act in a specific situation, the actual leader will make the decision.
Deviations from the established procedures or instructions are only possible in the following cases:
Within the powers of the delegation: After written consent from the actual leader of the delegated company.
Outside the powers of the delegation: With written consent from both the actual leader and the delegator (the insurer).

How do we handle claims involving multiple parties? When a discussion arises regarding liability in a claim and two or more of our own (delegated) insured parties are involved, we fully or partially outsource the claims handling. We do this to one of the involved insurers or delegators to ensure complete objectivity.
Specific situations:
Goodwill claims payment;
Payment of an uncovered claim;
Rejecting an uncovered claim;
Conflicting liability issues between one or more insured parties;
Applying or not applying B/M fallback in an unresolved claim (discussion over liability);
Applying too low a premium rate;
Granting discounts (e.g., extra B/M steps) on the premium;
Accepting a risk in delegation that is too high;
Demanding insufficient or no preventive measures, where they are required;
Deviating from the applicable notice period;
Deviating from the premium respite period (not suspending coverage in case of non-payment).