By approving this online application, you declare that:
You have answered the previous questions truthfully. Where the questions relate to other interested parties, you have ensured that the answers provided are correct and complete.
If you have not complied, or have not fully complied, with this duty of disclosure, this may, pursuant to Sections 7:928 and 7:930 of the Dutch Civil Code, lead to limitation or even exclusion of the right to a benefit payment.
If you have intentionally provided incorrect information or omitted information on the basis of which the insurer would not have concluded the insurance, the insurer has the right to terminate your insurance pursuant to Section 7:929 of the Dutch Civil Code.
That you wish to take out the insurance with the cover and conditions as described in the applicable policy terms and conditions. The policy terms and conditions will be sent to you on request and, in any case, you will receive them when the policy is issued.
Honest and correct
You have answered all questions honestly and correctly, including when you completed the details for someone else. We call this the duty of disclosure.
Have you provided incorrect information or failed to mention important information? Then the insurer may limit or terminate the insurance. This may be done pursuant to Sections 7:928 and 7:930 of the Dutch Civil Code.
Motor vehicle registration number
If you have taken out insurance for a motor vehicle, you have honestly and correctly declared that the applicant for the insurance and the registered keeper of this motor vehicle are the same natural person and/or legal entity.
Policy terms and conditions
By taking out the insurance, you indicate that you wish to take out this insurance with the accompanying policy terms and conditions and that you agree to them. You can find the policy terms and conditions under the cover overview of the insurer you have chosen.
Personal data
Your personal data are used for applying for, taking out and managing the insurance. Because this application is submitted online, we primarily use your email address to communicate with you. In addition to email, we may also contact you via SMS or an app to send payment reminders and other messages.
Premium
The premium has been calculated based on the details you have provided. The premium is subject to tariff changes, programming errors and final approval by the insurer. Unless stated otherwise, you agree to direct debit and we will automatically collect the premiums from you.
Complaints
Are you not satisfied with your insurance or our services? Then discuss your complaint with your insurance adviser. Together with us, they will look for a suitable solution. Not satisfied with the outcome? Then you can submit a complaint:
Via the contact form
Or by letter to:
RISK Insurances
PO Box 628
3500 AP Utrecht
Do you feel your complaint has not been handled properly? Then you can submit your complaint to the Financial Services Complaints Institute (Kifid).
Kifid
PO Box 93257
2509 AG The Hague
At www.kifid.nl you can find an explanation of how to submit a complaint. Our Kifid affiliation number is 300.008506. RISK will provide Kifid with all data relating to your case and cooperate with the investigation.
Registration of personal data
To maintain a responsible acceptance, claims handling and anti-fraud policy, RISK records the personal data of those involved in an acceptance and claims file. In doing so, RISK may obtain information about you from external sources considered reliable, such as:
The Netherlands Vehicle Authority (RDW)
Service providers in the field of credit registration
In addition, RISK consults and records your personal data with the Central Information System Foundation (CIS). This is done for prospective policyholders, liable parties, drivers, injured parties and witnesses in a claims file. More information can be found at www.stichtingcis.nl and in RISK's privacy statement: www.risk.nl/privacy-statement.
Cancelling your insurance
Do you want to cancel the insurance? If so, you must notify us in writing (by letter or email) within 14 days of receiving the policy. If you report a claim within these 14 days that is reimbursed under the terms and conditions, you can no longer cancel the insurance.
Possession of a valid driving licence
If you have taken out insurance for a motor vehicle, you confirm that the driver holds a valid driving licence for this motor vehicle.
Anti-fraud policy
When taking out a financial product such as insurance, customers place their trust in us, whether or not through an insurance adviser. That trust forms the basis for a sustainable relationship. Unfortunately, insurance is sometimes abused within the insurance sector. That is why we do everything we can to prevent and investigate fraud. Fraud and combating fraud cost money and affect insurance premiums. In addition, insurers require us to maintain an anti-fraud policy that aligns with their policy.
What is fraud
We apply the following definition: the misuse of an insurance product or service by the policyholder, insured person or beneficiary in order to obtain a benefit payment (in money or in kind) to which there is no entitlement. This may include, among other things:
Incorrectly answering questions when applying for insurance
Concealing a criminal history
Providing an incorrect claims history
Failing to report a previous insurance termination
Misrepresenting damage when reporting a claim
Submitting incorrect invoices or repair bills
What policy do we apply
We do not tolerate any form of fraud. We therefore apply, among other things, the following measures:
Employees are made aware of fraud indicators and checks
A fraud coordinator has been appointed within our organisation
Every quotation, application or amendment is checked in the Fraud and Information System Holland (FISH)
We use external and public sources to detect fraud
If fraud is suspected, we take immediate action and inform the insurer
Consequences of fraud
If we establish that fraud has occurred, the following measures may be taken, among others:
Termination of ongoing insurance policy/policies
Refusal of future insurance applications
No reimbursement of a reported claim
Recovery of previously paid claim amounts
Recovery of investigation costs
Registration of personal data in internal and/or external registers
Reporting the fraud case to the police
Registers may be consulted by financial institutions in the Netherlands. More information can be found at Stichting CIS.
Recovery of costs in case of fraud
For internal investigation costs relating to claims, we charge a standard compensation amount of €532. This amount is recovered by SODA (Service Organisation for Direct Liability). In addition, on behalf of the insurer, SODA may also recover other costs incurred or claim payments made in error. If fraud is established when applying for insurance, we may charge internal costs of €101. More information about SODA can be found at www.so-da.nl.
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