Terms of delivery temporary insurance from Alpina

Our firm specialises in financial services. We would like to show you our working method. In our working method, you as a customer are central. Your personal situation and your personal wishes are our guide. In this service manual we explain this and make you familiar with our office. Hereafter you will find, briefly and to the point, our general data, opening hours, information about our services and where you can go with complaints.

Premium payment

You can pay the premium via Ideal.

Direct coverage

After receiving the premium, the coverage can start immediately, 24/7.

Green card

In the case of 15-day cover, we will send the green card immediately after receipt of the premium by e-mail, 24/7. By post we will send it the next working day. If you have a Dutch postal address, we will send the Green Card by post on the next working day.

Cancellation of temporary insurance

The Green Card issued may be cancelled up to the effective date of cover. When the policyholder has or has already had coverage, this Green Card can no longer be cancelled through the right of cancellation.

Insurance certificate ( Green card)

We will send you the International insurance certificate (green card) by e-mail so that you can print it out yourself, and the International insurance certificate (green card) by post if you have a Dutch postal address. It is not compulsory to print the proof of insurance on green paper, but this can sometimes cause problems abroad. We therefore advise you to wait until you have the original International Insurance Certificate or, if this is not possible, to print the green card on 'green card paper' (available in bookshops) or other green paper.

Export licence plate

Unfortunately, we cannot help you with the application for an export licence plate. It is possible that the German authorities will only issue an export licence plate after proof of insurance. Our insurance certificate is a valid insurance certificate in Europe. However, experience has shown that some officials in Germany will not accept this proof. We therefore advise you to check this carefully in advance.

The green card issued by Alpina on behalf of the insurance company is legally an International Certificate of Insurance, and should therefore be accepted as such by foreign authorities.

Occasionally, an official may not be familiar with the international regulations. Should this happen in your case, ask for another official and/or make a note of the name of the customs official, so that you can recover any costs from the foreign authorities at a later stage, with or without assistance from your legal insurance company if you have legal assistance insurance.

However, we would like to emphasise once again that the green card is an International Insurance Certificate, and you can claim this as firmly as you like towards the foreign authorities.

Who are we?

Name and address details

Alpina
Lorentzlaan 4
3401 MX IJSSELSTEIN

PO 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: [email protected]
Internet: www.alpina.nl
Of course, you can also visit us at our office.

The opening hours on working days are from 08:30 to 18:00. If necessary, you can also make an appointment with us outside of office hours.

Internet

We have our own internet site. Here you will regularly find information and tips. Go to

www.alpina.nl

Memberships and registrations

Our office is registered with various organisations. The most important are:

• AFM
• KIFID
• KVK

Netherlands Authority for the Financial Markets (AFM)

By law, the AFM supervises the expertise and integrity of the services of financial advisers, among other things. Our office is registered with the AFM under number 12020690.

You can consult the register of licensees at www.afm.nl
Financial Services Complaints Institute (KiFiD)

We do our utmost to provide the best possible service. But should you still have a complaint about our service, and we come to the Financial Services Complaints Institute(KiFiD).
Our registration number with 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 mediate in financial products and services from various providers. Below you can read about the areas in which we can and may be of service to you.

Non-life

Almost everyone has one or more non-life insurances. It may be the insurance of your household contents or of your car. Perhaps you also need non-life insurance that protects you against financial losses caused by fire, theft or liability, for example. We are authorised to both advise and mediate in the area of non-life insurance.

How do we make a choice?

Choice free

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

Entrepreneurial freedom

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

Choice of suppliers

The market has many providers and financial products and services. Often these providers have dozens of different financial products. We have made a selection of the companies we do business with. We have made this selection on the basis of a number of criteria. Of course, one of these criteria is the level of the premium.

But also the quality of the conditions and the experience of how the institution acts when a claim is made. At your request, we will provide you with an overview of the companies with whom we do business.

When we advise you on a particular financial product, we first investigate whether a product from one of our selected providers meets your requirements.

If we believe, for example because you have very specific wishes, that there is no suitable provider within this selection, we can search more widely in the market for financial products. In that case, we will inform you beforehand.

What about our costs?

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

Our firm has chosen to include our costs in the price of the product. In the case of insurance, this is the premium.

You pay the premium or commission directly to the insurance company or lender, who then pays part of this to us to cover our operating costs.

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

If you ask us to perform services for which this method of remuneration is not possible, we will always agree with you in advance on another method of remuneration. So you will always know in advance how we will be remunerated.

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

We also ask something of you

To best serve your interests in financial services, we also require a number of things from you. Correct and complete information
For our choice, we depend on the information you provide to us. In the relationship we have with you, depending on current events, we ask that you regularly inform us. For example, if there are changes in your income situation, or if you have recently incurred major expenses on your home.
Overview

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 will prevent us from not drawing your attention to a particular risk because we could think that you had already arranged it elsewhere. That is why we ask you to help us complete the overall 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, becoming unemployed or disabled.

Going through information

If we provide a particular financial service for you, we will often send you information. Sometimes this will be information that we send to you based on legal obligation.
However, 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 have 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 your complaint by e-mail, post, fax or via our complaint form. You will then receive a response to your complaint within 14 days.

Then possibly to the Complaints Institute
If we cannot work it out together, you can always turn to the Financial Services Complaints Institute (KiFiD).

Please contact:

Financial Services Complaints Institute
P.O. Box 93257
2509 AG The Hague
Phone: 0900-3552248 ( 10ct/min.)
E- mail: [email protected]
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 indicate in this service guide. If you have any questions, please do not hesitate to ask us for further clarification.