14 June 2018
Segmentation Policy: family insurance
What determines if we can accept you for this insurance, if you can remain insured, what the insurance covers and what you pay for it?
The following characteristics determine the acceptance of the family insurance with legal aid, the extent of the insurance and the price you pay for it. Not all the characteristics mentioned below might be applicable to your request. We only ask you for the characteristics which are relevant for your situation.
|Characteristics||Acceptance of the insurance||Price of the insurance||Extent of the insurance|
|Family insurance with legal assistance.|
|Have you (and/or one of your household members) been refused or had cancelled a fire, family or car insurance by an insurance company in the last 5 years?|
|Have you (and/or one of your household members) suffered or caused damage in the last 5 years?|
|How many times have you (and/or one of your household members) suffered or caused damage after the insurance was taken out?|
|Specific measures to be taken.|
The characteristics are:
- whether an insurance company refused or cancelled a fire, family or car insurance in the last 5 years; this provides us with information enabling us to accurately assess the risk;
- how many times you and your housemates caused damage in the last 5 years; it provides us with information enabling us to accurately assess the risk;
- how many times damage was caused or suffered after you took out your insurance; it provides us with information enabling us to accurately assess the risk and possibly affects the continuation of the insurance, the applicable terms and conditions and the premium you pay;
- specific measures we propose if your insurance is changed.
This information is important when entering into the insurance, but also during its contract period.