Home economics

Inbo covers sickness theft

A good home insurance covers most of the casualties you face in your daily life.

Inbo covers sickness theft

Inbo covers sickness theft

Be honest when you sell

Inbo covers sickness theft

Therefore you can drop the insurance

Inbo covers sickness theft

How much does the relocation rate cost

Inbo covers sickness theft

Lots to save on proper insurance

Elkedene offers loss insurance, or security agreement as it is called, in case you could risk losing your cell phone or spitting cola in your PC keyboard. However, many people already cover such accidents through their home insurance.

But it does not stop there, the insurance coverage often covers more than one is aware of. For example, a bicycle robbery is usually covered with 5000 kroner. However, some insurances have a coverage of up to 15,000 kroner.

The general challenge is that insurances have a very varied coverage, where there may be nice surprises but also annoying disappointments.

– The starting point is that there is agreement. Therefore, insurance companies are not obliged to cover any items not agreed. Terms, prices, deductibles and coverage will therefore normally vary, says advisor at the Consumer Council, Pål Bjønness.

Prepare the Insurance Needs

Since coverage varies from company to company, it will be crucial to clarify the insurance needs you have. For example, a company can cover damage caused by water penetration through the roof, while others do not have this in its cover menu.

However, they may cover expenses for reconstructing manuscripts, photographs, data files, and the like if the PC should fall into the floor.

Annual insurance premium is therefore not the only variable you have to consider insurance against.

– One thing is what you pay in premium, but equally important is what you get paid after an injury, “says communications adviser Stine Neverdal in the Financial Industry Association.. – And then you should read through the terms before the damage occurs, adds Bjønness.

– Many settle down and read the terms when the damage occurs to check if it can be covered by the insurance.

Bjønness draws the public website Financial Portal as a good aid when the insurance needs to be determined.

Inbo covers sickness theft

Photo: Colorbox

Limitations

This should cover a minimum insurance coverage

  • Physical damage to things caused by fire, lightning and electrical phenomena, water and other liquids, theft and damage and natural accidents.
  • Sudden Reduction
  • Theft and vandalism on things at home
  • Work equipment you have at home, such as tools
  • Money and Securities
  • Car trailer
  • Loose accessories for motor vehicles
  • Cycle
  • garden greenhouse
  • If you have to stay somewhere else for damage
  • Veskenapping in the Nordic Region
  • Theft of bicycles and strollers.
  • Damage to foods in freezer by f. eg power outages.
  • Damage to glass windows and sanitary porcelain.
  • Legal and legal expenses.
  • Loss of things, money and securities outside the insurance site but within the Nordic region.
  • Items to be sold.
  • Things that are moving to new housing when notification is given to insurance company.
  • Water outflow in connection with breakage, leakage or flooding of associated equipment. In addition, water penetration is covered by terrain or land, flood or leakage from aquarium or water bed, as well as outflow from fire extinguisher.
  • In the event of theft and damage, this must have occurred in the home (insurance place). Except here are common rooms or rooms that are open to all. In addition, robbery, assault or napping of bags are covered.

A complete overview of what a minimum insurance coverage MUST BE COVERED on the Financial Portal. no.

Source: Financial Portal and Consumer Council

While in-house insurance can offer surprises in a positive direction in terms of coverage, it also has its limitations. This applies, among other things, to the limit of how much cash and valuables you get covered.

– Do not have large amounts at home. There are varying limits for the various companies, but a maximum amount of NOK 15,000 is not uncommon, says Neverdal.

She emphasizes that it also applies to restrictions on jewelry, art and antiques.

– It is therefore advisable to have additional insurance which insurance companies offer on an expensive antique.

aid insurance

According to Bjønness’s legal aid cover, the surprises that a home insurance policy offers is most pleasing to many.

This is intended to cover expenses for, among other things, lawyer and expert.

In addition, you can also cover the so-called legal liability.

Children moving out

When children move out to study, they may keep their parents’ address in the Population Register. This means that they are still covered by mother and father’s insurances, and therefore do not have to draw their own.

Uflaks

The chains promote their security agreements, which means that, for example, you get a new flat screen if the old one goes over.

Such insurance is relatively expensive, but some insurances already have such coverage, while others offer it as an additional cover.

Expensive bicycles

Usually a loss of bicycle is covered by up to 5000 kroner. With a small increase in the premium, you can increase the insurance sum to both double or triple.

In addition, if you have a low deductible (which you can adjust with the premium size), the theft of an expensive bike becomes affordable.

Medical Invalidity

Usually, there are personal insurance companies who will provide payments for permanent damage and treatment costs.

However, more extended insurances offer such coverage, provided the accident occurs at home.

Disk crash on PC

When the hard drive on the PC is rumored as a result of an external impact, it is good to know that a home insurance usually covers the reconstruction.

This covers the companies

In the table below, we provide examples of what some of the insurance companies provide for coverage beyond what is known as the standard terms, which should be a minimum cover in a home insurance:

  • Physical damage to things caused by fire, lightning and electrical phenomena, water and other liquids, theft and damage and natural accidents.
  • Theft of bicycles and strollers.
  • Damage to foods in freezer by f. eg power outages.
  • Damage to glass windows and sanitary porcelain.
  • Legal and legal expenses.
  • Loss of things, money and securities outside the insurance site but within the Nordic region.
  • Items to be sold.
  • Things that are moving to new housing when notification is given to insurance company.
  • Data Reconstruction on PC.
  • Water outflow in connection with breakage, leakage or flooding of associated equipment. In addition, water penetration is covered by terrain or land, flood or leakage from aquarium or water bed, as well as outflow from fire extinguisher.

Insurance

Additional coverage

Mutual Inner Flexi

  • Bike loss up to $ 15,000 (at elevated premium)
  • Lifetime medical disability (at elevated premium)
  • Uhell, f. eg TV falling into the floor

Storebrand Standard

  • As the standard terms

Storebrand Super

  • Increased coverage amount relative to Standard
  • Damage to items in the Nordic region by sudden and unforeseen damage up to $ 100,000

Sparebank1 Standard

  • Age allowance on refrigerator, TV, washing machine and the like is calculated only after five years.

Sparebank1 Top

  • Covers damage caused by water that penetrates through the exposed roofs
  • Covers structural changes if someone in the household becomes wheelchair user

If Standard

  • As the standard terms

If Super

  • Accident Up to $ 100,000
  • Coverage on newer consumer electronics, home appliances and household goods
  • Higher insurance sums for a number of standard defaults

DnB NOR Innbo Base

  • Recreational boat up to 15 feet and outboard engine 10 hp

DnB Nor Innbo Best

  • Injury outside the Nordic region by up to $ 20,000
  • Theft of bicycles up to $ 20,000
  • Removal goods
  • Theft of personal cargo by car, NOK 10,000
  • Things lost or lost up to $ 20,000

TrygVesta

  • Recreational boat up to 15 feet and outboard up to 10 hp

TrygVesta Extra

  • Increased insurance sum due to theft
  • Covers damage to things falling or falling
  • Covers transport damage when moving
  • Covers damage caused by animals

The information is extracted from the companies’ websites and is therefore not compliant. One should ask for offers from the companies themselves and check what the terms cover.

Also read:

Lots to save on proper insurance

Check the terms before subscribing to child insurance

Car Finance Checklist

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