Service guide

Our office specialises in providing financial services. The services provided are in compliance with the Financial Supervision Act. One of the requirements pursuant to this law, is that we inform you in a timely matter about who we are and how we work. Your personal situation and your personal wishes will always be our guideline. Below you will find our general details, opening hours, information regarding our services and who to contact in case of a complaint. 

This service guide is a purely informative document. This means that this document does not obligate you in any way to purchase certain services from our office or to conclude a certain agreement regarding a financial product. 

About Blue Risk

Blue Risk B.V. is an internationally operating insurance broker specialising in tailormade insurance solutions for directors, commisioners, professional service providers, medium and large companies, councils and institutions. We are an independent niche office with experienced insurance specialistst, focussing on a limited number of risks and business sectors. 

We have tailormade insurance solutions for directors, supervisory directors, professional service providers, medium-sized and large companies, municipalities and institutions. 

Our job is to work with you to identify the risks your or your company face. We will then work with you to determine which risks need to be insured. In doing so, we advise you on which products and services we believe best suit your personal and corporate needs and circumstances. In adition to giving advice, we also act as a mediator between you and the insurance companies where you deside to take out the insurance. 

General details

Blue Risk B.V.
Het Industriegebouw
Goudsesingel 136, unit 3.04
3011 KD  Rotterdam

Phone: 010 311 00 19
Email: office@bluerisk.nl
Website: www.bluerisk.nl
Chamber of Commerce: 67861105

WFT licence from Authority for the Financial Markets (AFM) under number 12044836.
Licence sections: Private non-life insurance, corporate non-life insurance, income insurance and health insurance.

In case of an emergency, we can also be reached outside office hours via the telephone number above. 

Of course you can also visit us at our office in Rotterdam. On working days, our opening hours are from 09.00 to 17.30. If necessary, you can also make an appointment with us outside office hours.

We communicate in Dutch, as well as in English, in various ways: in writing, by e-mail, by telephone or in a personal meeting. Please let us know which has your preference.

Our services

Our services consist of the following steps:
1. Orientation
2. Inventorisation
3. Analyse
4. Advise
5. Mediation
6. Maintenance

Orientation

When you make an appointment with us, we will start with an orientation meeting. This meeting is completely non-binding and is intended to find out together what we can do for you. During this meeting, we will explain our working methods and inform you of the costs of our services. After the meeting, you can decide whether and how you wish to proceed with our services. 

Inventarisation

Before we proceed to give advice, we will establish your wishes and (financial) situation. In order to do this, we will ask you for your cooperation in answering a number of questions. We may also ask you to provide certain documents. 

Analyse

After we have a good picture of your needs and situation, we will analyse and prioritise the data you provided. This will make it clear where your risks as well as where your opportunities lie. This is the starting point for the advice we will give you. 

Advise

Based on the analysis made, we develop our advice and will discuss this with you. In this advice, we take into account your risks and wishes. We select  the most fitting solution for your situation. Our advice may not always lead to an insurance product. We can also advise you to cover (parts of) your risks in an alternative way. 

Mediation

If our advice recommends an insurance product, we act as a broker and mediate the process. We will then ensure that the insurance is applied for and drawn up correctly.

maintenance

We inventorise - in according with the frequency agreed with upon with you - of any relevant changes in your wishes, posibilities and situation. This is an essential part of our service and ensures that our advice continues to be adapted to your (changed) situation. We communicate relevant changes in your situation to the insurers in question. You can also contact us with all your questions about our advice and solutions. Furthermore, we keep you informed of changes in laws and regulations. Finally, we will support you in your contacts with the insurer of the event of unexpected damage. 

Our relationship with providers

Our firm does business with many different providers (banks and insurers) of financial products. We make a selection of the companies we do business with.

If we advise you on a particular financial service, we examine beforehand whether a product from the providers we have selected meets your needs.

We make this selection based on a large number of factors. Of course this includes the level of premium, but also the quality of the conditions and the experience of how the provider behaves when called upon. If you would like to receive a list of our cooperating partners, we would be happy to provide you with one.

We belong entirely to the group of: Unbound intermediaries. This means that we can freely (i.e. without any contractual obligation) advise the products of a select number of banks and insurers. At your request, we will be happy to provide you with a list of banks and insurers we work with.

No financial institution such as a bank or an insurer has an ownership interest or control in our company.

Our remuneration

Our services are not free of charge. To provide our services, we incur operating costs. Think of salaries, housing costs, insurance, training and licences. The fee for our services can be charged in two ways.

reimbursement via the premium

The costs of our non-life, health and income insurance services are in most cases part of the premium charged to you. If you have paid the premium, you have also paid for our services, unless you have made other arrangements with us beforehand.

one-off fee and subscription

For Disability Insurance, remuneration takes place through a one-off, pre-determined fee plus a service subscription. 

hourly fee rate

We will never charge you a fee seperately from the premium without prior agreement. This means that we have to agree with you in advance on the amount and method of remuneration for our services. This fee depends on or is derived from the number of hours multiplied by our hourly rate. For example, when we only advise you, without mediating for you. We document this agreement in our service confirmation. 

Remuneration policy

The legislator attaches great importance to controlled remuneration policies at financial firms. The policy should aim to counter the risks of careless treatment of consumers by the financial company. It goes without saying that we subscribe to this importance and have take the necessary measures and procedures to ensure this.

Personal data

To represent your interests in the field of financial services, we will ask you for some personal data. In doing so, we come into contact with a lot of confidential data. We handle this data with the utmost care. We only use this data for the purpose of which you have provided it to us. We comply with the prescribed rules of the Personal Data Authority (www.autoriteitpersoonsgegevens.nl). You can access your personal data at any time. You may also have your data changed and deleted at your request. 

Liability

We treat your commission with the utmost attention and care. However, should something go wrong, the following applies: we have professional liability insurance. Our liability is limited to the amound paid our under our professional liability insurance in the case in question, including excess.

If no payment is made under this insurance, liability is limited in total to the fee charged by us in connection with the relevant commission, with a maximum of € 50,000.00. Have we not charged you a fee for our services? Then our liability is limited to the annual premium of the financial product to which your claim relates. 

We also ask something of you

To best serve your interest in the field of financial services, we also ask a number of things from you. In any case, that you inform us of the correct details and any changes both before taking out and during the term of the insurance. This is in your own interest. If, in the event of subsequent damage, it turns out that you have provided incorrect, incomplete or late information, the insurer may be entitled under the insurance terms and conditions not to reimburse you or not to reimburse you fully in the event of damage.

Correct en complete information

We depend on the information you provide us for our advice. In the relationship we have with you, depending on the current events, we ask you to inform us regularly. For example, whether there are changes in your operation, or whether you have recently made major investments for your business. The information we receive from you helps determine the advice we give you.

Overall view

Your financial portfolio is best compared to a jigsaw 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 you had already arranged it elsewhere. This is why we ask you to help us complete the overall picture of your financial services package. 

Notifying us of changes

Naturally, we ask you to inform us to any changes in your business situation that may affect your package of financial services. Think for example of a move, a merger, change in the number of staff, or change in shareholders. 

Reviewing information

If we provide a particular financial service for you, we will often send you information. Sometimes this will involve information we send you based on a legal obligation. 

However, we may also send you information because we think it will help you better orientate on excisting or new financial products and services. We ask you to read all our information carefully and consult us if necessary.

In any case, we always ask you to check policies and other contracts yourself and establish wheter they have been drawn up in accordance with your wishes. Naturally, we also check these documents. 

Termination of relationship

You have the right to terminate the relationship with our firm at any time. You can request your insurance company to transfer the current insurance policies to the adviser of your choice. 

We can also take the initiative to terminate our relationship with you. This does not alter the fact that existing insurance contracts will remain in effect. The duty of care for your insurance lies with us until another intermediary or insurer takes over this duty of care. 

If you have a complaint

Although we do our utmost for you, the possibility exists that you are not satisfied with our service. We hope that you will then make this known as soon as possible and thus allow us to investigate your complaint. We will therefore make every effort to resolve your complaint to your satisfaction. In addition, your complaint will give us cause to consider wether we can improve our services. 

You can submit your complaint in writing to:
Blue Risk B.V., attn. the Management, Goudsesingel 136, unit 3.04, 3011 KD Rotterdam.

If we cannot come to an agreement together, you can always turn to the Financial services Complaints Institute (Kifid), P.O. Box 93257, 2509 AG The Hague. Our registration number with Kifid is 300.016660.

General Terms and Conditions

Our general terms and conditions are applicable on our services. These terms and conditions are registered with the Chamber of Commerce in Rotterdam. 

We do more for you

Our services include more than we can describe in this document. If you have any questions, please do not hesitate to contact us for further explanation.