Types of insurance in Norway
Insurance in Norway is similar to products that provide protection to those we know from Poland. You can choose: life policy, home policy or auto insurance. Which of them are mandatory? Which one is worth having? What benefits do they include and what protection do they provide? It's best to ask our insurance expert in Norway. 
Call Michał Kuczkowski. You will get help in matters of car insurance, but not only, tel: 96878015
Types of insurance in Norway
The most popular and common insurance in Norway guarantees home, life and car protection. The scope of possible benefits varies depending on what package we choose, as well as the services of which insurer we use. It is worth remembering that, similarly to Poland - third party liability insurance for car owners is obligatory.
Home insurance in Norway
If you decide to move permanently to Norway, it is worth taking a mortgage and buying your own property. Loan installments are usually lower than renting an apartment. For this reason, this type of commitment is quite popular in the Land of the Fjords.
Nevertheless, it is worth insuring your own house or flat. Thanks to this, we will protect our belongings against the consequences of fire or flooding. Both home and property insurance are available on the market. What are the differences between Fr.
d myself?
Home or flat insurance
When buying a home policy, we receive a full range of benefits in return. The protection covers both the building and its equipment. Such insurance also guarantees the payment of compensation to third parties, e.g. in the event of improper use of the property. This applies to both the situation in which the plaster falls off the wall and causes harm to someone, as well as the removal of damage caused by snow sliding from the roof.
Property insurance
Unlike home insurance, the property policy covers only the furnishings of our property. It is most popular among residents of multi-family buildings. This is because people who own real estate in blocks of flats do not have the right to dispose of the building itself. Therefore, they cannot insure it - it is at the discretion of the manager. However, it is worth insuring your property. Then the insurance company will pay us compensation in the event of damage caused, for example, as a result of flooding our apartment by a neighbor in advance.
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Life insurance in Norway
Life insurance in Norway (norw. life insurance) are actually several policies available for different purposes. Insurance companies usually offer the following types of products:
- barneforsikring - child insurance,
- ulykkesforsikring - accident insurance,
- kritisk sykdom - serious illness insurance,
- uføreforsikring - disability insurance,
- dødsfallsforsikring - insurance in the event of death,
- livsforsikring - insurance in the event of death or loss of health as a result of an accident.
Livsforskiring
From the point of view of a working person, the most important and basic form of insurance is livsforsikring. This type of policy is a safety valve for the family in a situation where the main breadwinner dies. It is especially recommended for those who have loans. It is worth recalling that at the time of the borrower's death, the obligation to repay the remaining debt rests with his relatives. Therefore, it is even more worth protecting yourself.
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Insurance in Norway Cars
The car is - so far - the basic means of transport. The exception may be large cities that are increasingly better adapted to, for example, the needs of cyclists. Nevertheless, attractive earnings, as well as the need to move, are behind every decision to buy a car. And such a vehicle must be compulsorily insured.
Civil liability insurance in Norway
Compulsory TPL in its standard form is called in Norway ansvarforsikring. First of all, it guarantees the possibility of paying compensation in the event of a collision or accident. However, we will no longer cover the cost of repairing our own car - this is within our scope.
Such services are guaranteed by the equivalent of our Polish AC - kasko. Car owners who have decided on this scope of 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. For demanding customers, insurance companies have provided super helmet, while for those who do not need kaskobut basic responsibility is not enough, you can buy it gently.
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Insurance in Norway - is it worth it?
Insurance in Norway guarantees us a full range of protection. It is worth remembering that despite the attractive amount of Norwegian salaries, the possible costs of covering the damage caused by e.g. a house fire will not be the lowest. As experience teaches - insurance companies can painstakingly process claims for compensation. Nevertheless, it is worth ensuring mental comfort and taking care of life, home and property insurance, as well as wider benefits in the context of the car.
