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 leading for us. In this service manual we explain this and show you around our office. You will also find here 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 cover can start immediately, 24 hours a day, 7 days a week.

Green card

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

Cancellation of temporary insurance

The temporary insurance can be cancelled up to the effective date of the cover. If the policyholder is or has been covered, this insurance can no longer be cancelled by means of the right of cancellation.

Who are we?

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

Our office looks after your interests in the area 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. 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. On it you will find regular 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 provided by, among others, financial advisers. Our office 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 do our utmost to provide you with the best possible service. If you do have a complaint about our services, it will be immediately forwarded to one of our employees. If the complaint is not resolved to your satisfaction, you can take it to the Financial Services Complaints Institute (Kifid). Our Kifid membership number 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 loss arising from, for example, fire, theft or liability. 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 in your interest goes hand in hand with our freedom as entrepreneurs.

Choice of suppliers

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 on the basis of a number of criteria. These include, of course, the level of the premium, but also the quality of the conditions and the way in which an institution acts if you claim a benefit. At your request, we will provide you with an overview of the companies with whom we do business.

When we advise you on a certain financial product, we first investigate whether a product from one of the selected providers meets your requirements. If we are of the opinion - 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. We will inform you of this 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. They then pay a portion 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 agreements with us in advance.

If you ask us to perform services for which this method of remuneration is not possible, we will always make another arrangement with you beforehand concerning our 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

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. Think for example of a move, another job, a marriage, a birth or 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 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 we too 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, post, fax or via 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).

Please contact:

Financial Services Complaints Institute
P.O. Box 93257
2509 AG The Hague
Phone: 0900-3552248 ( 10 ct/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.

We will be happy to assist you.