In Delft, Netherlands, insurance fraud has become a growing concern, with many residents unknowingly falling victim to scams. To combat this, the Dutch insurance industry has introduced the Incidentenregister (IVR), a registry aimed at reducing insurance fraud. As a Delft resident, it's essential to understand what the IVR entails and how it may impact you.
The Incident Register (IVR): What You Need to Know
The Incident Register, also known as the Internal Reference Register (IVR), is an internal register maintained by insurers to record suspicious situations and incidents. This register is a precursor to a possible EVR registration.
Difference between IVR and EVR
The main difference:
- The IVR is an internal register of a single insurer
- The EVR is a shared register among all insurers
- IVR registration does not automatically imply EVR registration
- IVR involves suspicions, while EVR involves established fraud
When are you registered in the IVR?
You may be registered in the Incident Register in the following situations:
- Noteworthy damage reports
- Multiple claims within a short period
- Contradictory statements
- Suspicions of fraud (not yet proven)
- Unusual circumstances surrounding a claim
Consequences of IVR Registration
IVR registration may lead to:
- Additional investigation into damage claims
- Delay in processing
- Stricter controls for new applications
- Possible transfer to the EVR
Your Rights
Even with IVR registration, you have rights:
- Right to information about the registration
- Right to access your data
- Right to correction of incorrect data
- Possibility to object
What to do in case of incorrect registration?
Contact the insurer and request an explanation. If you do not receive a satisfactory response, seek legal assistance. An attorney specializing in insurance law can protect your interests.