Disputes between insurers about the applicability, interpretation and implementation of a certain regulation can be submitted to two disputes committees.
Disputes Committee non-life insurers
Insurers can submit differences about business arrangements, concurrence and agreements for the Non-Life Insurance sector to the Disputes Committee for Non-Life Insurers (GCS). The disputes committee consists of lawyers and claims handlers from various insurers. A fixed rule is that if the own company is involved in the dispute, the employee of this company may not be present at the ruling. The Disputes Committee acts on the basis of regulations and a preamble.
The Disputes Committee for Non-Life Insurers makes rulings on:
- Covenant company schemes 4, 5, 6, 7, 11, 15, 16 and 17
- the business interruption agreements for taxis, rental cars and lease cars
- the Simplified Claims Handling Agreement
- the covenants Extrajudicial Costs - Injury and Extrajudicial Costs - Material
These arrangements can be found on the pages on self-regulation.
Apart from the company regulations, the Association and the Association of Dutch Car Leasing Companies have agreed on the VbV-VNA regulation on the trading of total loss lease vehicles.
Only between insurers
The Disputes Committee for Non-Life Insurers does not settle disputes between consumers and insurers. Consumers can contact the Financial Services Complaints Institute (Kifid) for dispute resolution. Read more about this in the file complaint handling.
The Claims Insurers Disputes Committee consists of subcommittees, each of which deals with a specific regulation. Below are the rules and rulings of that committee per subcommittee:
Disputes Committee recourse claims health insurers
With the adoption of the Covenant on Recourse for Health Insurers (GRZ), the Disputes Committee for Recourse for Health Insurers (GRZ) was created to settle disputes between health insurers and liability insurers. This committee therefore does not settle disputes between private individuals, or between a private individual and an insurer.
Download the rulings of the GRZ in the period up to and including 2020.
Below are the rulings of the subcommittee covenants Extrajudicial Costs Disputes Committee recourse claims health insurers from 2021 onwards.
Disputes Committee Extrajudicial Costs Advocates
With the adoption of the regulations of the disputes committee for extrajudicial costs, the Disputes Committee for Extrajudicial Costs of Advocates (GC-BGKB) was created to settle disputes between liability insurers and advocates. This committee therefore does not settle disputes between private individuals, or between a private individual and an insurer.
Download here the regulations of the covenant.
Download the statements of this committee here.