{"id":81464,"date":"2024-06-18T09:59:13","date_gmt":"2024-06-18T07:59:13","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=81464"},"modified":"2026-03-10T16:55:18","modified_gmt":"2026-03-10T15:55:18","slug":"sommarens-forsakringar-du-behover-och-inte","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/sommarens-forsakringar-du-behover-och-inte\/","title":{"rendered":"Sommarens f\u00f6rs\u00e4kringar du beh\u00f6ver – och inte"},"content":{"rendered":"\n

Beh\u00f6ver man teckna den d\u00e4r resef\u00f6rs\u00e4kringen som researrang\u00f6ren tycker du ska k\u00f6pa och vad g\u00e4ller egentligen med avbest\u00e4llningsskydd? Vilka f\u00f6rs\u00e4kringar beh\u00f6vs i sommar, och vilka beh\u00f6ver du inte? \u00a0 \u00a0<\/p>\n\n\n\n

Resef\u00f6rs\u00e4kring – teckna eller inte?<\/h2>\n\n\n\n

En resef\u00f6rs\u00e4kring ing\u00e5r i hemf\u00f6rs\u00e4kringen, ofta upp till 45 dagar. Den g\u00e4ller om du blir sjuk eller r\u00e5kar ut f\u00f6r en olycka, och d\u00e5 t\u00e4cks kostnader f\u00f6r sjukv\u00e5rd och hemtransport om det beh\u00f6vs. Har du inte en resef\u00f6rs\u00e4kring kan kostnader f\u00f6r detta annars bli skyh\u00f6ga. <\/p>\n\n\n\n

Enkelt uttryckt s\u00e5 kan man s\u00e4ga att om du ska \u00e5ka p\u00e5 en vanlig charter i 1-2 veckor beh\u00f6ver du inte teckna en extra resef\u00f6rs\u00e4kring, av den typ som researrang\u00f6ren erbjuder. D\u00e5 r\u00e4cker skyddet i hemf\u00f6rs\u00e4kringen. <\/p>\n\n\n\n

Men \u2013 ska du vara borta l\u00e4ngre \u00e4n 45 dagar? D\u00e5 kan du beh\u00f6va komplettera med en separat resef\u00f6rs\u00e4kring. Och ska du ut\u00f6va riskfyllda aktiviteter, som dykning? D\u00e5 kan det vara s\u00e5 att resef\u00f6rs\u00e4kringen inte t\u00e4cker f\u00f6r eventuella olyckor uppkomna i samband med dessa aktiviteter. Kolla vad din hemf\u00f6rs\u00e4kring t\u00e4cker, och komplettera om det beh\u00f6vs med en extra resef\u00f6rs\u00e4kring som t\u00e4cker upp \u00e4ven f\u00f6r riskfyllda aktiviteter. <\/p>\n\n\n\n

Gl\u00f6m f\u00f6r \u00f6vrigt inte EU-kortet, som ger dig r\u00e4tt till n\u00f6dv\u00e4ndig offentlig v\u00e5rd n\u00e4r du tillf\u00e4lligt befinner dig utomlands inom EU. \u00a0 <\/p>\n\n\n\n

Avbest\u00e4llningsskydd?<\/h2>\n\n\n\n

Det ing\u00e5r inte s\u00e4llan ett avbest\u00e4llningsskydd i mer omfattande hemf\u00f6rs\u00e4kringar. S\u00e5 b\u00f6rja alltid med att kolla vilket skydd du har i hemf\u00f6rs\u00e4kringen. Men t\u00e4nk p\u00e5 att du inte kan avboka av vilken anledning som helst. Det ska vara om du blir sjuk eller r\u00e5kat ut f\u00f6r en olycka \u2013 och ofta kr\u00e4vs l\u00e4karintyg. <\/p>\n\n\n\n

Har du betalat resan med kort kan du ha f\u00e5tt ett avbest\u00e4llningsskydd via kortf\u00f6retaget. Men \u00e4ven d\u00e5 kan det vara att det bara g\u00e4ller vid sjukdom eller olycka. Om du vill kunna avboka resan av andra anledningar \u2013 t ex att du f\u00e5tt \u00e4ndrade planer \u2013 s\u00e5 \u00e4r det bara ett separat avbest\u00e4llningsskydd av den typ researrang\u00f6ren erbjuder som kan m\u00f6jligg\u00f6ra det. Det kan k\u00e4nnas sk\u00f6nt om du bokar en resa l\u00e5ngt i f\u00f6rv\u00e4g (och mycket kan h\u00e4nda p\u00e5 v\u00e4gen) eller om resan kostar v\u00e4ldigt mycket. <\/p>\n\n\n\n

Men l\u00e4s villkoren noga. Ibland kan avbokningen \u00e4nd\u00e5 vara villkorad, att den g\u00e4ller en viss tid innan avresa och s\u00e5 vidare. \u00a0 <\/p>\n\n\n\n

Beh\u00f6vs fritidshusf\u00f6rs\u00e4kring?<\/h2>\n\n\n\n

Ja, det \u00e4r oftast n\u00f6dv\u00e4ndigt. Fritidshuset kanske ligger l\u00e5ngt bort och du kan inte vara d\u00e4r varje dag och kolla att inte n\u00e5got l\u00e4cker i k\u00f6ket eller att n\u00e5got inte fattat eld, exempelvis. Kolla dock villkoren f\u00f6r fritidshusf\u00f6rs\u00e4kringen, och j\u00e4mf\u00f6r p\u00e5 exempelvis Konsumenternas. M\u00e5nga fritidshusf\u00f6rs\u00e4kringar t\u00e4cker inte vattenskador som tillkommit genom taket exempelvis. <\/p>\n\n\n\n

I din vanliga hemf\u00f6rs\u00e4kring finns ofta ett s\u00e5 kallat bortaskydd, som t\u00e4cker l\u00f6s\u00f6re som inte finns p\u00e5 hemadressen, utan n\u00e5gon annanstans. Det brukar g\u00e4lla upp till omkring 50\u00a0000 kronor. Kolla vad som g\u00e4ller i din f\u00f6rs\u00e4kring. \u00a0 <\/p>\n\n\n\n

B\u00e5ten – m\u00e5ste den f\u00f6rs\u00e4kras?<\/h2>\n\n\n\n

En b\u00e5tf\u00f6rs\u00e4kring t\u00e4cker b\u00e5de st\u00f6ld av sj\u00e4lva b\u00e5ten och f\u00f6r b\u00e5ttillbeh\u00f6r. T\u00e4nk p\u00e5 att inte l\u00e4mna v\u00e4rdesaker i b\u00e5ten, f\u00f6r d\u00e5 kan ers\u00e4ttningen fr\u00e5n f\u00f6rs\u00e4kringen bli l\u00e4gre. \u00c4ven h\u00e4r kan man kolla upp hur mycket bortaskyddet i hemmaf\u00f6rs\u00e4kringen t\u00e4cker. \u00a0 <\/p>\n\n\n\n

Skydd vid jobb p\u00e5 distans i sommar<\/h2>\n\n\n\n

M\u00e5nga tar med sig jobbdatorn till lantst\u00e4llet eller till semesterorten. D\u00e5 kan det vara bra att k\u00e4nna till att hemf\u00f6rs\u00e4kringen inte t\u00e4cker skador eller st\u00f6ld av n\u00e5got du inte \u00e4ger, s\u00e5 som jobbets dator. Kanske har arbetsgivaren en f\u00f6rs\u00e4kring f\u00f6r sin egendom, men det kan vara s\u00e5 att den endast skyddar egendom som finns p\u00e5 sj\u00e4lva arbetsplatsen. Det kan vara v\u00e4rt att kolla om du beh\u00f6ver komplettera med n\u00e5got \u2013 eller om arbetsgivaren ser en po\u00e4ng med att komplettera sitt skydd. \u00a0 <\/p>\n\n\n\n

Fler tips<\/h2>\n\n\n\n

\u00d6verf\u00f6rs\u00e4kra dig inte \u2013 sunt f\u00f6rnuft g\u00e4ller. Man m\u00e5ste inte teckna en f\u00f6rs\u00e4kring bara f\u00f6r att den finns. <\/p>\n\n\n\n

B\u00f6rja alltid med att kolla vad din hemf\u00f6rs\u00e4kring t\u00e4cker. <\/p>\n\n\n\n

Sn\u00e5la inte in p\u00e5 f\u00f6rs\u00e4kringar som du faktiskt beh\u00f6ver, exempelvis en kompletterande resef\u00f6rs\u00e4kring vid vissa semesteraktiviteter eller en b\u00e5tf\u00f6rs\u00e4kring. <\/p>\n\n\n\n

L\u00e4s p\u00e5 vad f\u00f6rs\u00e4kringen inneh\u00e5ller \u2013 de kan skilja sig \u00e5t. <\/p>\n\n\n\n

En utm\u00e4rkt j\u00e4mf\u00f6relsesajt \u00e4r Konsumenternas. se<\/p>\n\n\n\n

\/Frida<\/p>\n","protected":false},"excerpt":{"rendered":"

Beh\u00f6ver man teckna den d\u00e4r resef\u00f6rs\u00e4kringen som researrang\u00f6ren tycker du ska k\u00f6pa och vad g\u00e4ller egentligen med avbest\u00e4llningsskydd? Vilka f\u00f6rs\u00e4kringar beh\u00f6vs i sommar, och vilka beh\u00f6ver du inte? \u00a0 \u00a0 Resef\u00f6rs\u00e4kring – teckna eller inte? En resef\u00f6rs\u00e4kring ing\u00e5r i hemf\u00f6rs\u00e4kringen, ofta upp till 45 dagar. Den g\u00e4ller om du blir sjuk eller r\u00e5kar ut f\u00f6r […]<\/p>\n","protected":false},"author":40184,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4053],"tags":[],"class_list":["post-81464","post","type-post","status-publish","format-standard","hentry","category-privatekonomi"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/Frida-NFN-01-1200x430-1-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2023\/06\/Frida-NFN-01-1200x430-1-150x54.png 150w, 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