Tilleggssikringen

Tilleggssikringen is a term used in the Norwegian insurance market to describe supplementary protection that extends a base policy. It is typically offered as an add-on or rider rather than a standalone policy, and it is designed to close gaps in coverage.

It appears in several lines of business such as motor vehicle, home, travel, life and health insurance. Examples include extended liability protection, extra medical cover, accident protection for dependents, or protection against specific risks not fully covered by standard policies.

Policyholders obtain additional coverage by paying a higher premium. The terms specify what is covered, sums insured or limits, deductibles, duration, and any underwriting requirements. Some add-ons are flexible and can be tailored to individual needs.

Benefits include improved protection and greater peace of mind; however, tilleggssikringen can add cost and may duplicate coverage if the base policy already includes similar protections. It is important to review definitions, exclusions, and coordination with the base policy to avoid gaps or overlaps.

Norwegian insurance regulation requires disclosure of terms and fair marketing. Consumers are advised to compare offers across providers, and to consider whether the add-on truly fills a gap in coverage rather than simply increasing premium.