Deldekning

Deldekning is a Swedish term that translates to "partial coverage" or "partial cover" in English. It refers to a situation where insurance or a warranty does not fully cover the cost of a loss or repair. Instead, the policyholder is responsible for a portion of the expense, which is known as a deductible or excess.

This concept is common in various types of insurance, including car insurance, home insurance, and health insurance. For example, if a car has a partial coverage policy for damage, and the repair cost is 1000 SEK, but the policy has a deductible of 200 SEK, the insurance company will pay 800 SEK, and the policyholder will pay the remaining 200 SEK.

The purpose of deldekning and deductibles is to reduce the overall cost of insurance premiums for policyholders. By sharing a small portion of the risk, insurers can offer lower prices. It also serves to discourage minor claims, which can be costly for insurers to process.

When purchasing insurance, it is important to understand the terms of deldekning, including the deductible amount and what specific situations it applies to. This ensures that the policyholder is aware of their financial responsibility in the event of a claim. The specific provisions and application of deldekning can vary significantly between different insurance providers and policy types.