In Den Haag, Netherlands, insurance fraud is a growing concern, with severe consequences for residents and businesses alike. To combat this issue, the Extern Verwijzingsregister (EVR) was established. For Den Haag residents, understanding the EVR is crucial in preventing and detecting insurance fraud, and staying informed about its implications on their daily lives.
What is the External Referral Register (EVR)?The External Referral Register (EVR) is a national warning system used by insurers to register individuals who have committed insurance fraud. If you are registered in the EVR, all affiliated insurers can see this when you apply for insurance or file a claim.
When are you registered in the EVR?Registration in the EVR takes place when:
- You have demonstrably committed insurance fraud
- There is intentional deception of the insurer
- The damage or amount of damage is consciously exaggerated
- You have submitted false documents
- There is a fabricated damage event
Registration in the EVR has far-reaching consequences:
- Insurers may refuse your application
- Existing insurance policies may be terminated
- You may pay higher premiums
- The registration remains visible for a maximum of 8 years
- Other financial institutions may also gain access
You have the right to:
- Be informed about the registration
- Have access to your data
- Object to the registration
- Request correction of incorrect data
- File a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens)
If you disagree with your registration, you can object to the insurer. If your objection is rejected, you can take your case to the Kifid (Financial Services Complaints Institute) or the court. A specialized lawyer can assist you with this.
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