Financial matters: what we do and do not do

For advice and broking on general insurance, under AFM number 12016589. That covers, among other things, home, contents, liability, motor, legal expenses and business policies. Credit, mortgages, investing, pensions and health insurance fall under other categories; for those we refer you to a firm registered for them.

Because the Dutch Financial Supervision Act makes advice subject to a licence per product group. Each category has its own requirements for professional competence, information provision and assessment. Advising without the appropriate licence is prohibited and would also deprive you of the protection that goes with that product, such as the statutory credit information or the knowledge test for investing.

For general insurance we receive commission from the insurer, built into the premium. You pay no separate advice fee. Before taking out cover we establish your wishes and needs and explain which exclusions matter. Our service guide describes this. You will find it at the foot of every page.

That is possible. Where we refer you to an external provider, a fee is sometimes payable if you submit an application there. We collect no data ourselves in doing so, do not compare those products and recommend no particular provider. You are always free to choose a different provider yourself.

First with us; if we cannot resolve it together, then with Kifid, of which we are a member under number 300.012144. For a product you have taken out with another provider, that firm's complaints procedure applies. So check in advance whether that provider is also a member of a disputes body.