In Delft, Netherlands, insurance fraud allegations can lead to complex disputes between policyholders and insurers. When accused of fraud, Delft residents may turn to the Kifid, a Dutch complaints and disputes institute for financial services, to resolve the issue. This article explores the Kifid procedure for handling insurance fraud accusations.
Kifid Procedure in Cases of Alleged Insurance Fraud
The Kifid (Financial Services Complaints Institute) is an independent dispute resolver. If you disagree with how your insurer handles an allegation of insurance fraud, you can turn to the Kifid.
What is the Kifid?
The Kifid is:
- An independent complaints institute
- Specialized in financial services
- Recognized by the government
- Free or low-cost accessible
- An alternative to going to court
When to Contact the Kifid?
You can contact the Kifid in the following situations:
- Rejection of your damage claim due to alleged fraud
- Unjustified registration in the EVR (Fraud in Insurance Claims) database
- Termination of insurance policies
- Rejected objection to the insurer
- Disputes over recovery claims
Conditions for Filing a Complaint
To file a complaint:
- You must first have complained to the insurer itself
- The insurer must be affiliated with the Kifid
- The complaint must be submitted within 3 months of the rejection
- The dispute must not be currently before a court
The Procedure
The Kifid process proceeds as follows:
1. You submit a complaint (online or in writing)
2. The Kifid requests a response from the insurer
3. The Kifid attempts to mediate
4. If no solution is found: binding advice or judgment
5. Implementation of the decision
Costs
The costs are limited:
- Proceedings up to €10,000: free
- Higher amounts: €50 contribution
- No lawyer required (but permitted)
Binding Judgment
The Disputes Committee issues binding judgments. This means that both parties must comply with the judgment. However, an appeal is possible to the Appeal Commission.