OOM Living Abroad Insurance
Illness, damage and claims
What you can expect
- We sometimes appoint a loss adjuster to determine the damage costs. If we call in a loss adjuster, they are an independent expert who works in accordance with the Code of Conduct for Specialised Advisory Organisations.
- If you wish, you can also appoint an expert (counter-expert). Your expert and our expert will appoint a third expert, in that case.
- If your and our expert cannot agree on the damage costs, then the third expert will determine the damage costs. The amount will be between the amounts determined by your and our experts.
- The experts may request the help of other specialists.
- We will pay the costs of our expert and any other specialists.
- We will also pay the costs of your expert (counter-expert), the third expert and any other specialists, on condition that these costs are reasonable and necessary.