# How long may the insurer take over your claim?

> There is no hard statutory deadline for handling a claim, but there are limits. And watch the three-year limitation period.

*Gepubliceerd: 2026-06-08* · *Categorie: uitleg*

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Claims handling can take a long time, and that is frustrating. What is permitted, and what can you do if it takes too long?

## A 'reasonable period'

There is no fixed statutory period within which an insurer must handle your claim. It must, however, be done within a **reasonable period**. Insurers affiliated to the Dutch Association of Insurers have, moreover, committed themselves to prompt, transparent handling. If an insurer keeps stringing you along, you can press the point — in writing — and ultimately complain.

## The limitation period: three years

More important to monitor yourself is the **limitation period**. Under article 7:942 of the Dutch Civil Code, your right to payment lapses after **three years**, counted from the day after you became aware that your claim had become due.

You can **interrupt** that period with a written notice in which you claim payment. Once the insurer either acknowledges the claim or unambiguously rejects it, a new three-year period begins to run.

## What can you do about delay?

- Send a written reminder setting a reasonable period for a response.
- Assert your claim in writing each time (this also interrupts the limitation period).
- No movement at all? Lodge a complaint. Be cautious about a binding Kifid procedure: an unfavourable decision can block the route to the courts. Take advice beforehand on the best route.

> **Please note** — Never simply let an ongoing discussion 'fizzle out'. Assert your claim in writing at regular intervals, so that your right does not lapse unnoticed.