Insurance fraud and the consequences
The consequences of fraud are more serious than people expect, and it is not only about large amounts.
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
What counts as fraud
Declaring a loss as higher than it was. Including old damage in a new claim. Altering a purchase receipt. Deliberately withholding something when taking out cover.
Also small untruths count. Fifty euros extra on a claim is the same category as five thousand.
How it is detected
Insurers compare notifications with one another, look at patterns and check details against other sources. If there is any doubt, an investigation by a loss adjuster follows.
Photographs contain date and location data; invoices can be verified with the supplier.
The consequences
No payment and recovery of what has already been paid, plus the costs of the investigation.
Registration in the External Referral Register for up to eight years. All insurers consult that register; during that period you will hardly be able to get a policy anywhere.
Cancellation of all your current policies with that insurer, and in serious cases a report to the police.
If in doubt
If you are unsure about something to do with a loss or about what you have to report, ask. You can always ask a question; adjusting a claim afterwards is a problem.
Understanding insurance, without the small print
Policy wording is rarely easy reading. We explain what the terms actually mean, so you can judge for yourself what you need — and what you don't.
Explained
Terms
ClearWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
What counts as fraud?
Declaring a loss as higher than it was, including old damage or deliberately withholding something.
Does a small amount count too?
Yes; the size does not determine the seriousness, the intent does.
What are the consequences?
No payment, recovery of what was paid, registration for up to eight years and cancellation of your policies.
What is the EVR?
The External Referral Register that all insurers consult when assessing applications.
How long does an entry stay there?
Up to eight years, depending on the seriousness.
What do I do if I am in doubt?
Ask; you can always ask a question, correcting things afterwards is harder.