Car insurance - Car insurance in Norway - what you need to know 
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Car insurance is compulsory in Norway, just like in Poland. People who stay in this country for a short time have problems with choosing it. The most frequently asked questions are: Which insurer has the best offer? Are Polish discounts honored? Ansvar, Delkasko, helmet - what is it all about? You can find answers to these and other questions in the article below.
Car insurance - Car insurance in Norway - types
The equivalent of the Polish third party liability insurance is ansvarforsikring and it is the most basic and compulsory insurance that every vehicle owner must have. The scope of benefits under this policy is mainly the repair of the cost of repairing the injured car, as well as the payment of compensation in the event of death or permanent health impairment. However, this requires the purchase of an additional option, forer-passasjerulykke.
The Motor Insurance Company issues invoices for the lack of liability. See why.
Delkasko, and the helmet - how is it different?
Delkasko is a slightly extended version of ansvar insurance. It provides protection and payment of the benefit in the event of damage, such as: broken glass, theft, set fire to the car, etc. Under this policy, the driver also has the right to use roadside assistance if his car refuses to obey.
Kasko is the equivalent of the Polish Auto Casco. Car owners who have decided on such protection will receive roadside assistance throughout the European Union, and are also entitled to a replacement car. The insurer will also cover any repair costs that are necessary as a result of the involvement in a collision or accident. Also, when they were caused by the insured person.
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Superkasko for demanding customers
Car insurance in Norway also covers one additional option. Superkasko guarantees comprehensive protection of the car and covers the scope of damages specific to ansvar, delkasko and helmet. In addition, the insured person may count on the payment of compensation in the event that his vehicle suffers a total loss, including in the event of engine and gearbox failure.
Road to car insurance
It is worth knowing that all formalities related to taking out a car policy in Norway can be done via the Internet or by phone. At the same time, basically no documents are required. All formalities will be done by a consultant after a telephone conversation.
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What about Polish discounts?
Honoring Polish discounts is at the discretion of the insurer. There is no legal requirement for an insurance company to recognize the discounts a driver has earned in Poland.
Factors affecting the price
As in Poland, the main factor determining the amount of the insurance premium is accident-free driving. For each year without any collisions, the rate is reduced by 10 percent, and when the driver causes damage - he loses a 30 percent discount. During a telephone interview with an insurance advisor, the question will also be asked about how many kilometers a driver covers in a year. The more there are, the higher the risk of an accident, and thus the higher the premium. The place of residence also affects the price - for example, insurance in Oslo is higher than in any smaller town. It does not matter where the driver comes from. The Pole will get the same offer as the Norwegian.
Car insurance-Car insurance
Considering the fact that from March 1, 2018, the Motor Insurance Company has been authorized to inspect and impose penalties for the lack of compulsory car insurance, you should purchase such a policy. The more so because such invoices with penalty fees have already been issued over 42 thousand. for an amount in excess of CZK 45 million. Therefore, it is worth looking for an insurer that will honor Polish discounts. Thanks to this, a Polish driver can receive an attractive offer right from the start.
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Call Michał Kuczkowski. You will get help in matters of car insurance, but not only, tel: 96878015
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