Forsikredes

Forsikredes is a term used in insurance contexts in some Scandinavian languages to refer to the group of people or entities covered by an insurance contract—the insured. It can function as a base noun or appear in genitive or possessive forms in contract and regulatory text.

The word is most common in Norwegian and Danish legal and policy language. In this context, forsikrede describes the person(s) whose life, health, property, or liability is protected by the policy. The possessive form forsikredes is used to denote something belonging to the insured, for example forsikredes rettigheter (the insured’s rights) or forsikredes plikter (the insured’s duties).

Relation to the policyholder varies by contract. The insured is the party whose loss or risk is covered, which may be the same as the policyholder or a different person or entity. In life and health insurance, the insured is typically the person whose life or health is insured; in property or casualty insurance, the insured is the owner or occupant of the property or the entity covered against liability.

Duties and rights tied to the insured include providing accurate information, timely notification of claims, and taking reasonable steps to mitigate losses. The insurer has corresponding duties to assess risk, honor valid claims within policy limits, and pay approved benefits.

In English-language contexts, the term forsikredes would usually be rendered as “the insured” or “the insured party.” The term is more common in Nordic legal writing and may be less familiar outside those jurisdictions. See also: insurance law, insured, policyholder.