Do insurers have customer “blacklists”? / Script

The reason for the refusal is not disclosed, as public complaints are not to blame

The company “Balta” denied Aigars the opportunity to purchase an accident insurance policy for his child, but the answer to the data of Aigaras’s wife, the child’s mother, was completely responsive and the policy was offered. However, Aigars was also denied travel insurance. The company’s agent admitted to Aigaram that she could not offer him insurance and that the reasons for the refusal should not be revealed.

“The reason for refusal is confidential and is not disclosed either to me or to you as a client. Such rights are provided for by the provisions of the Insurance Contract Law (Article 6, Part 2).

The insurance application does not obligate the insurer to conclude an insurance contract,” Balta explained in the letter.

Aigars remembered that he once publicly wrote two complaints about the services provided by this company – about health insurance and after his car was unsatisfactorily repaired at the car service offered by “Balta”.

“Balta” representative Tom Sadovskis denied to the program that the insurance company has a grudge against Aigar for the complaints he wrote.

On the contrary, every complaint helps insurers to evaluate and improve their services.

“Why is there no explanation why no insurance is sold to the customer, why some sort of blacklist where customers are placed?” Aigars expressed confusion.

Association of Insurers: The centralized blacklist does not exist, but the customer portfolio does

The black list of insurers is created by the imagination of customers, stated Jānis Abāšins, president of the Association of Latvian Insurers. However, he did not deny that a portfolio of customer information exists in every company.

“Official blacklists, such centralized blacklists absolutely do not exist in the insurance industry. Because for such to exist, there must be some legal basis.

There is no legal basis – therefore, there are absolutely no centralized common blacklists,” Abašin emphasized.

The basis for avoiding a specific customer group is in cases where the insurer realizes that a service section of a certain customer category is operating at a loss, then the price for the service is raised so high that customers do not purchase it.

“If you are talking about one individual, you have to stand out, so that insurers do not want this person as a client. The first thing that comes to mind, the most obvious – if there has been any deception. Or fraud. It is absolutely clear that the insurer has some kind of database inside. “Accordingly, the insurer will not want such a client,” Abashin explained.

“Balta” also confirmed – cooperation is most often refused to customers who are suspected of dishonest behavior.

Whether Aigara’s situation is normal or a case that can be defined in another way – the law allows insurers to keep it a secret both from the media and from the client himself. Just as customers have the right to change their usual insurance company to another one without explaining anything.