What about legal aid insurance?

If you have legal aid insurance, report to your insurer as soon aspossible. Most policy conditions provide for dispute settlement. The insurance company generally takes initial steps for you in your case. If you prefer to hire your own lawyer, you must consult your insurer to see if the company is willing to cover your legal fees (since they would in effect be outsourcing the case to an external lawyer). Should your insurer take too long to respond to your case, inform them that you have set a deadline to receive an answer from them. If the deadline is not met, write a letter to the management. If that does not produce a result, you have recourse to an official commission that settles such disputes. In such cases, you may be allowed to seek the assistance of an independent lawyer. You could also file a complaint with the Dutch Complaints Authority (www.KiFiD.nl), which gives objective, independent, and professional judgements.