Skadeforsikring
Skadeforsikring
Skadeforsikring benyttes for å forsikre eiendeler som f.eks. kjøretøy, båt, bolig, o.l. Yrkesskadeforsikring er også en skadeforsiking selv om det er en forsikring av personer.
En kjøretøyforsikring kan bestå av en eller flere elementer. Alle kjøretøyer må ha ansvarsforsikring slik at skade som kjøretøyet forårsaker er dekket. Hvis et kjøretøy ikke har ansvarsforsikring vil kjøretøyet bli begjert avskiltet. I tillegg kan man ha forsikring mot skade som man selv påfører sitt kjøretøy. Dette kalles kasko. Kasko dekker også tyveri og andre skader som blir påført kjøretøyet.
Boligforsikring kan også deles inn i flere typer. Fullforsikring dekker både selve bygget og innbo. I borettslag og sameier tegner man en felles forsikring for selv bygningen. Da må beboerene selv tegne en innboforsikring.
Sjøforsikring er en fellesbetegnelse for forsikring av skip. Skadeforsikringen for skip kalles kaskoforsikring, og gir dekning ved skade og totaltap, i tillegg til dekning for kollisjonsansvar. For øvrig dekkes ansvar av en særskilt ansvarforsikring, ofte omtalt som P&I forsikring. Øvrige former for sjøforsikring er tidstapsforsikring og kasko- og fraktinteresseforsikring.
De fleste selskap opererer med ulike dekningsnivåer i sitt produkt-tilbud. Dekningsnivået er angitt i vilkårene og setter grenser for hva som må erstattes ved en skade. I Forsikringsbeviset anngis hvilke forhold som ligger til grunn for avtalen og dens gyldighet. herunder sikkerhetstiltak og øvrige spesifikasjoner.
Skadeforsikringsselskaper som operer i Norge
- Codan Forsikring
- DnB NOR Skadeforsikring
- Frende Skadeforsikring
- Gjensidige
- If
- SpareBank 1 Skadeforsikring
- Storebrand
- Terra Skadeforsikring
- TrygVesta
Tags: Dekningsnivået, Kjøretøyforsikring, Skadeforsikring, Vilkår, Yrkesskadeforsikring
September 12th, 2009 at 21:50
[...] Forsikring Helseforsikring Innboforsikring MC-forsikring Pensjonsforsikring Reiseforsikring Skadeforsikring [...]
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