FAQ

To consider when getting an insurance

When getting an insurance, one should not only take into account the price, but also the quality of the insurance. Many aspects need to be considered before a decision.
It may also be useful to consider whether you want a local insurance company, a nationwide, or a worldwide insurance company.

 

Any money back ?

Also, ask the insurance company if you get any money back if you cancel your insurance or if the insurance company should be bankrupt.
To spread the risks, it may be good to cooperate with several insurance companies.

 

About home insurances

Keep in mind that a regular home insurance rarely covers damage that you inflicted on another’s property. A regular home insurance usually only covers damage to your property. In order to make you feel safer, it may be good to subscribe to a supplementary insurance for your home insurance. They are often called Clumsy-Insurances, or Multirisk-Insurances. That way, you’re more protected if you happen to cause damage to what someone else owns.

 

Insurance companies only think of themselves

Insurance companies are often difficult to discuss with, and they often think of their own business, and rarely see the best interests of the customers.

 

Disputes

It may be good to know before signing an insurance that in a dispute, it is very difficult to win against an insurance company, because they will use their lawyers to win the dispute at all costs.
Often, you need help from media, an insurance lawyer, or an insurance policy organization to win the dispute.

 

No insurance covers carelessness

It may be important to know that everything is´nt insurable. If you would cause a fire or a water damage to your home, it would be very difficult to get an insurance company to hand out any money to you, because it probably would be considered as carelessness.