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Holiday insurance at half price

You can save a lot on checking what the cabin insurance costs.

Holiday insurance at half price

Holiday insurance at half price

OIL PRICE: To insure a cabin in Trysil is twice as expensive in the most expensive as the cheapest insurance company. Photo: Colourbox

What should I think about when I buy cottage insurance?

  • Check which deals are available in the market.
  • Please use the Finance Portal, where the insurance industry itself has entered the facts about what the insurance covers and does not cover. The finance portal is run by the Ministry of Finance.
  • Read the agreements carefully and check what the insurance covers and not just the price.
  • You should purchase insurance as needed. If you have an expensive cabin you should insure it well. An old cottage may not require you to insure.
  • If you disagree with the insurance company about who is responsible for a case, you can bring the case to the Insurance Office.
  • You can lose the right to insurance if you do something you should not do. Example: If you have had burglary and have not locked the doors.

Source: Communication Advisor Martin Skaug Halsos in the Consumer Council.

Holiday insurance at half price

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Holiday insurance at half price

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Holiday insurance at half price

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There is money to save on which insurance company you choose for your cabin insurance.

We have investigated what it costs to insure a cabin with electricity and water and a cabin without. You can save around 1500 kroner on a cabin in Trysil and dog puppies at a cabin in Valdres.

We did this

We have received cottage insurance prices from five of the largest insurance companies in Norway.

The price is the standard price without discounts and applies to a cabin in Trysil and one in Valdres.

The cabin in Trysil is from 2002 and 100 square meters. It has power and water and alarm.

The cabin in Valdres is from 1979 without electricity and inland water. It is 65 square meters and has no alarm. Prices are without water stop and additional area.

result

In Trysil, If is the most expensive insurance, while DnB NOR is the cheapest.

You can save $ 1535 on switching your insurance from the most expensive to the cheapest company. For a cabin in Valdres, the differences are small in this survey. Almost 200 crowns distinguish top and bottom.

– In recent years, all companies have seen a significant increase in damage to newer cabins, especially cabins that have ever more extensive water installations. Most newer cabins are also furnished as a modern detached house. That means they are more prone to thefts. We are now seeing a development where the injury statistics in cabins and detached houses are approaching each other. Over time, insurance rates on cabins and chalets will be more and more the same. We believe that the price in Trysil is correct from our injury statistics, “says information counselor Jon Berge in If.

Information manager Gro Elin Hansen in Storebrand Skadeforsikring says they determine prices based on a risk assessment and injury statistics over time.

It may be that the cabins in Trysil are used differently or are more prone to theft. This can inevitably lead to an insurance premium, says Hansen.

HOST IN TRYSIL

INSURANCE COMPANY

PRICE

If

3009

Storebrand

2328

Reciprocal

2228

Tryg Vesta

1577

DnB NOR

1474

YOU SAVE

1535

DnB NOR is the cheapest in Trysil.

– This is nice, but prices are a snapshot and depend, among other things, on size, standard and various harmful measures, says Sigrun Grahl-Jacobsen, Product Manager at DnB NOR Skadeforsikring..

Tryg Vesta is good at the prize test and thinks it’s nice.

– The most important thing is that customers are assured that they have a solid insurance that provides proper compensation and good security delivery and service in the areas that are essential to the customer in case of a maladministration, “said spokesperson Roald Stigum Olsen of Tryg Vesta.

Storebrand is also pleased that they are successful in the award-winning cottage insurance in Valdres.

– A proper insurance of the cabin allows you to enjoy the cabin life, says Gro Elin Hansen, Information Manager at Storebrand Skadeforsikring. She says the insurance company is open about the prices on its websites.

HOST IN VALDRES

INSURANCE COMPANY

PRICE

Reciprocal

1306

If

1282

DnB NOR

1232

TrygVesta

1181

Storebrand

1140

YOU SAVE

166

Similarities

Holiday insurance at half price

INFORMATION JOB: Gro Elin Hansen in Storebrand Photo: Storebrand Photo: Colourbox

All cabins are insured against:

  • Fire
  • Water
  • Theft and Damage
  • Legal aid if there is a dispute between the insurance owner and a third party related to the cabin (purchase / sale, border crossing etc. ) the customer will have a cover covering expenses for attorney, court and witness
  • Natural damage: storm, flood, storm flood, landslide, earthquake and volcanic eruptions. Everyone pays the same premium for natural damage insurance – 0.09 per cent of the insurance sum. It is equivalent to nine kroner per. 100. 000 in insurance sum.
  • All buildings and movables insured against fire damage are automatically insured against natural damage. This follows from the Natural Damage Insurance Act. The scheme is administered by Norsk Naturskadepool, where all non-life insurance companies in Norway are members.

Differences

If

Nevertheless, has added a five percent additional area for the cabins. The burglar alarm at the cabin in Trysil can be heard by a resident or have a transfer to the alarm station.

Holiday insurance at half price

FJELLHYTTE: There are small differences in insuring a cabin without electricity and water. Photo: Colourbox

The proprietary share is at 4. 000 kroner.

Detailed terms and conditions for insurance coverage and additional coverage.

Tryg Vesta

The cabins have the same deduction and coverage. The insurance sums are calculated according to the FNO’s “Pricing Table for Form Assessment”.

Attributes: 4. 000 kroner

Detailed terms and conditions for insurance coverage and additional coverage.

DnB NOR

Prices are based on the Holiday Home Basic Terms with a deduction of 4. 000 kroner.

The insurance also covers:

Detailed terms and conditions for insurance coverage and additional coverage.

Mutual

Equity of 4. 000 kroner.

Detailed terms and conditions for insurance coverage and additional coverage.

Storebrand

Holiday insurance at half price

ASSOCIATION NEED: Perhaps you do not need insurance if the cottage is very old? Photo: Colourbox

Equity of 4. 000 kroner

Super house insurance for the cabins in Trysil and Valdres must be taken through Storebrand’s telephone 08880. The cabin must be newer than 1980. Super insurance at the cottage is not common.

Detailed terms and conditions for insurance coverage and additional coverage.

Also read:

Nine modern cabins.

Cheap cabins on the mountain.

The most beautiful cabins by the sea.

Holiday insurance at half price

CHECK INSURANCE AGREEMENT: You should choose insurance based on your needs and not just the price. Photo: Colourbox

This cabin was a mess.

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