1
Water and Storm
Water damage, leaks from neighbours, storm damage or flooding? Learn who pays for the damage and what you must arrange immediately.
Claims & Cover
Damage happened. Now you need to know the next step.
Filing an insurance claim or dealing with a rejection is stressful enough. We explain the process step-by-step and show you what steps you can take.
2
Burglary and Fire
Report burglary damage immediately, fire damage to your home and contents: what to expect from your insurer.
3
Car Damage
Windscreen damage, collision or parking damage: the difference between third-party, limited comprehensive and full comprehensive in practice.
Important InformationThe information on this website is for general informational purposes only. This does not constitute personal financial or insurance advice and cannot be taken as a definitive answer. While we strive for accuracy, specific situations and policy conditions can vary depending on the insurer. Always request a free check with our associated advisor for advice tailored to your situation.
Good to know
A rejection from your insurer is not the end of the road. Many claims are denied on grounds like inherent defect, wear and tear, or late reporting — terms that have a precise legal meaning and are often interpreted more broadly than is fair. You have statutory rights, including the right to a second opinion (contra-expertise under Article 7:959 of the Dutch Civil Code) and a free complaints procedure through KiFiD.
These guides walk through the claim process step by step, explain how to assess a rejection, and show how to avoid underinsurance that quietly reduces your payout. To prevent these disputes in future, also see how to save on your non-life insurance by focusing on strong policy terms rather than only a low premium.
Guides by topic
Water and Storm
→Water damage, leaks from neighbours, storm damage or flooding? Learn who pays for the damage and what you must arrange immediately.
8 topicsBurglary and Fire
→Report burglary damage immediately, fire damage to your home and contents: what to expect from your insurer.
4 topicsCar Damage
→Windscreen damage, collision or parking damage: the difference between third-party, limited comprehensive and full comprehensive in practice.
7 topicsCoverage and Compensation
→Market value vs replacement value, underinsurance and what falls outside cover — read your policy before you claim.
11 topicsReporting a Claim
→Need to report damage? Learn when to submit your claim, which documents you need and how the reporting process works step-by-step.
4 topicsRejected Claim
→Has your Dutch insurance claim been rejected? Learn about your legal rights, how to appeal a rejection, and how the KiFiD can help.
2 topics