Car insurance in Norway - how it works
In the fjord state, as in many other countries, car owners are insured against civil liability, known as ansvarsforsikring (trafikkforsikring). In some cases, it covers some or all of the damage. What exactly does car insurance in Norway cover?
Which vehicles are covered by the mandatory ansvarsforsikring?
This insurance is compulsory for passenger cars and vans weighing less than three and a half tons. As a rule, the insurance policy is divided into two main types - compulsory (nor. Ansvarsforsikring) and additional, which is the equivalent of Polish AC.
What damage is covered by ansvarsforsikring?
Ansvarsforsikring covers all costs in the event of direct injury. The situation is different when it comes to damage to vehicles, buildings or objects. In this case, there is an upper compensation limit of NOK 10 million. But beware, ansvarsforsikring does not include its own car.
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Additional car insurance in Norway
Regardless of the mandatory insurance policy, it is also worth considering additional insurance car insurance in Norway. It may concern situations such as the effects of fire, theft, hail or the actions of third parties (e.g. hooligans). In addition, it is possible to purchase a policy that guarantees payment of additional money in the event of injuries sustained during an accident, regardless of the standard payment from ansvarsforsikring).
Discounts for car insurance in Norway
Over 18 years of age receive a 20 percent discount when paying the ansvarsforsikring fee. Then the discount increases by 10 percent for each subsequent year of accident-free use of the car. This discount is cumulative up to the level of 75 percent. Interestingly, this privilege can be transferred to a spouse or a person in a civil partnership, but not to other family members.
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It should be noted that some insurers recognize accident-free driving certificates issued in other countries. In order to be accepted, such a document must be translated by a sworn translator.
Car insurance in Norway. When does ansvarsforsikring pay off?
Car insurance in Norway usually pays off once a year. However, if necessary, you can find a company that allows you to pay for policies with a shorter duration. This may be necessary, for example, when planning to sell a vehicle within a few months and we do not need a longer policy period.
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Call Michał Kuczkowski. You will get help in matters of car insurance, but not only by phone: 96878015
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