Knowledge
Your rights
Your rights as a policyholder: from your own expert to objections and complaint routes.
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Your claim has been rejected — what now?
A rejection is not the end of the road. Here is how to establish the reason and decide on your next steps.
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Do not be too quick to sign your agreement
A signature under the loss assessment often closes the door. Why it is better to pause for a moment.
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You are entitled to your own expert (counter-expertise)
The insurer's expert works for the insurer. You may put your own independent specialist opposite them.
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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.
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The declaration of agreement and the settlement agreement explained
What exactly are you signing when you agree to the loss figure? And can you still go back on it later?
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Who pays for the counter-expert?
For private individuals, counter-expertise is in practice free of charge. The law places the reasonable costs with the insurer.
Just had damage?
Call us or report your claim online. We usually respond within 24 hours.