1. Tilkema has cut his thumb off; What about the insurance company?
Legal aspects of insurance fraud in the Netherlands Antilles
prof. dr. Frank Kunneman

3. Is money a problem?

4. Problem solved!

5. USD 730,000.00

7. Insurance fraud:
Contractual default

8. Three stages: non-disclosure disinformation Incurring the damages:
Applying for a policy:
non-disclosure
disinformation
Incurring the damages:
provoked damages
recklessness
Reporting damages:
exaggerated claims
false claims

9. Stage I

11. Tilkema’s thumb

16. Soft fraud
vs.
Hard fraud

18. Are there any facts that can be relevant for the assessment of your application?

19. Best practice no. 1
Avoid general questions

21. Specifically ask for a relevant criminal record
Best practice no. 2
Specifically ask for a relevant criminal record

23. Best practice no. 3
Ask questions which are as specific as possible

24. Legal consequences

26. New system for soft fraud: policy remains intact
Three possibilities
Total payment
Partial payment
No payment

27. Stage II

28. “My insurance broker told me the following
A Poem by Tom Lanoye:
“My insurance broker told me the following
after closing a “global estate fire insurance”: 

29. The best way to set your house ablaze:
Open all the doors inside the house
Take a jerry can of gas
Pour it on a dog
Light a match
Throw it on the dog

31. A Parrot can solve your problems, too.
Do not forget to open the
door of its cage!

45. Stage III

46. “My camera was stolen!” or
Which one to declare? ?

47. Expiration clause and partial fraud