@boikobo tlhobogang
Ok,from what I see in your database the relationship are fine for me. The problem you encounter for reference number from 2 table, I guess you try to make the form auto identify and place the number in the correct field right? If that's the case, in a simple way I would suggest you make note for your numbers, which used to indicate whether the number belongs to Brokers or Insurers. In a harder way, you can add a type field to indicates the number, and add some coding where neccessary. Or in more harder way is to take VBA coding to auto place the number to the suitable location, this also requires an invisable field / column to identify the type in the table.
All the other tables and forms are fine, just do some field size adjustments will be fine. Take your first step, then you can move on with more advance development, remember to keep looking back on your case study to prevent going "off-topic" in the outcome.
For VBA learning, you go take a look in
HERE, its a tutorial web of how to use VBA in Access by basic. You'll find its similar to JAVA programming only in a more simple form.