Is it legal for a college to deduct personal insurance cover from a housing guarantee deposit?
The College concerned charged a housing guarantee deposit at the start of term. This was to be completely refunded if the tenant fulfilled the housing contract. That was in addition to a deposit charged by the rental agency.
When the college deposit was due to be refunded, the college deducted personal insurance from the amount.
Insurance was never asked for, as the person concerned already had insurance from their own country. No insurance contract was signed and no summary of cover was received.
Any help would be really appreciated!
I know absolutely nothing about insurance from student housing as you described above. :)
However, I do know that by law you have to carry Dutch insurance if you live here. It does not matter it you have insurance in your home country. I repeat .. it does not matter if you have health insurance in your home country. By law ... everyone living in The NL must carry Dutch health insurance.
Looots of people get messed up because they they rely on insurance from their home country and don't buy Dutch health insurance .. but the Dutch are serious about the issue of 'insurance'' here in The NL. Read the newspapers - there are problems.
Now .. the question is .. if this applies to Students. I think it does .. but I don't know for sure but if it is .. this is why they took the insurance out of your deposit. You've gotta have it - whether you want it or not. I don't think you should make assumptions like - they should have had you sign whatever ...
Ask the college.