Terms of delivery temporary insurance from Alpina

Our firm specializes in financial services. We would like to show you our way of working. In our working method, you as a client are central. Your personal situation and your personal wishes are leading for us. In this service guide we explain this and show you around our office. You will also find our general details, opening hours, information about our services and where to go with complaints.

Premium Payment

You can pay the premium via iDEAL.

Instant coverage

Upon receipt of the premium, coverage can begin immediately, 24 hours a day, 7 days a week.

Green Card

With 15-day insurance, a green card will be issued by the company.

Cancel temporary insurance

The temporary insurance can be cancelled until the effective date of coverage. Once the policyholder has or has enjoyed coverage, this insurance cannot be cancelled through the right of withdrawal.

Who we are.

Alpina
Lorentzlaan 4
3401 MX IJsselstein
P.O. Box 63
3400 AB IJsselstein

Our firm represents your interests in the field of financial services.

Accessibility

You can reach us in many ways:

Phone: 030-6883700
Fax: 030-6883027
E-mail: alpina.nl
Internet: alpina.nl

Of course, you can also visit us at our office. On working days, the opening hours are from 08:30 to 18:00.
If necessary, you can also make an appointment with us outside office hours.

Internet

We have our own website. Here you will find regular information and tips. Go to alpina.nl

Memberships and registrations

Our firm is registered with several organizations. The most important are:

• AFM
• Kifid
• KVK

Financial Markets Authority (AFM).

Under the law, the AFM supervises the competence and integrity of services provided by financial advisors, among others. Our firm is registered with the AFM under number 12020690. The register of licensees can be consulted at www.afm.nl.

Financial Services Complaints Institute (Kifid).

We make every effort to provide you with the best possible service. Should you nevertheless have a complaint about our service, it will be immediately assigned to an employee. If the complaint is not resolved to your satisfaction, you can, if you wish, contact the Financial Services Complaints Institute (Kifid). Our membership number at Kifid is 100.000471.

Chamber of Commerce (CoC).
We are registered in the commercial register of the Chamber of Commerce under number 30196409.

Our services

We are licensed to advise and broker financial products and services from a variety of providers. Below you can read about the areas in which we can and may be of service to you.

Non-life insurance

Almost everyone has one or more property and casualty insurance policies. That could be insurance for your household contents or your car. Perhaps you also have a need for non-life insurance policies that protect you against financial losses caused by fire, theft or liability, for example. We have the authority to both advise and mediate in the area of non-life insurance.

How do we arrive at a choice?

Choice Free

Our firm has no obligation to place financial products with one or more financial institutions. Thus, we are completely free in our choice.

Entrepreneurial freedom

No financial institution, such as a bank or insurance company, has an ownership interest or control in our business. This freedom to choose in your best interest goes hand in hand with our freedom as entrepreneurs.

Choice of providers

The market has many providers of financial products and services. Often providers have dozens of different financial products. We have made a selection of the companies we do business with. We have made this selection based on a number of criteria. Of course this includes the amount of the premium, but also the quality of the conditions and the way in which an institution behaves if you claim a benefit. At your request, we will give you an overview of the companies we do business with.

When we advise you on a particular financial product, we first examine whether a product from one of the providers we have selected meets your requirements. If we are of the opinion - for example because you have very specific wishes - that no suitable provider is available within this selection, we may search more widely in the market for financial products. We will notify you in advance.

What about our costs?

To provide our services, we incur operating expenses. These include salaries, housing costs, training and permits. These costs are reimbursed in various ways.

Our firm has chosen to make our fees part of the price of the product. With insurance, this is the premium.

You pay the premium or commission directly to the insurance company or lender. They then remit a portion of this to us to cover our operating expenses.

If you have paid the premium or commission, you have also paid for our services. Unless you have made other arrangements with us in advance.

If you ask us to provide services where this method of remuneration is not possible, we will always make another agreement with you in advance about our remuneration. So you will always know in advance how we will be remunerated.

The remuneration for our employees consists 100% of a fixed salary. The amount of the salary is determined by education, experience and the performance of the respective employee.

We also ask something of you

In order to best represent your interests in financial services, we also ask for your cooperation.
We depend on the information you provide us to make our choices. We ask you to regularly inform us about your current situation. For example, we would like to hear about any changes in your income situation, or if you have recently incurred major expenses on your home.

Overall view

Your financial portfolio is best compared to a puzzle. The picture cannot be completed until all the pieces of the puzzle are known. It is possible that you have taken out certain financial products elsewhere and also have them supervised elsewhere. However, in order to best represent your interests, it is important for us to have an overall picture.
This way we can avoid not drawing your attention to a certain risk because we assume that you have already arranged this elsewhere. That is why we ask for your cooperation in getting a complete picture of your financial services package.

Submit changes

Naturally, we ask you to inform us of any changes in your personal situation that may affect your package of financial services. For example, a move, another job, a marriage, a birth or becoming unemployed or disabled.

Reviewing information

If we provide a particular financial service for you, we will often send you information. Sometimes this will be information that we send you based on legal obligation. We may also send you information because we believe it will help you better explore existing or new financial products and services. We ask you to read all our information carefully and consult us if necessary.
In any case, we ask that you always check policies and other contracts yourself and determine whether they have been drawn up in accordance with your wishes. Naturally, we also check these documents.

If you have a complaint

We represent your interests in financial services to the best of our ability. But even we can make mistakes. And that can lead to you having a complaint.

First make the complaint known to us
If you have a complaint, we ask that you first make it known to the management of our office. In most cases, we will be able to resolve your complaint quickly.

You can send the complaint by e-mail, mail, fax or through our complaint form. You will receive a response to your complaint within 14 days.

Then possibly to the Complaints Institute
If we do not come to an agreement together, you can always turn to the Financial Services Complaints Institute (Kifid).

You may contact:

Financial Services Complaints Institute
P.O. Box 93257
2509 AG The Hague
Phone: 0900-3552248 ( 10 ct/min.)
E- mail: info@kifid.nl
Internet: www.kifid.nl

We do more for you

We represent the interests of our clients in the broad field of financial services. Our services include more than we can tell you in this service guide. If you have any questions, please do not hesitate to ask us for further clarification.

We are happy to serve you.