försäkringsbrev

Försäkringsbrev, or insurance letter, is a formal document issued by an insurance company that confirms that a specific insurance policy is in force and provides a concise summary of its main terms and conditions. The exact content may vary but typically includes: the insurer's name and contact information, the policyholder and insured party, a policy or reference number, a description of the insured risk or object (for example a dwelling, vehicle, or personal liability), the coverage amount or sum insured, applicable deductibles, currency, the policy period (start and end dates), premium information, and key exclusions or conditions. It may also specify how claims are reported and the contact details for claims handling.

Purpose and use: försäkringsbrev serves as proof of insurance in various administrative and financial contexts. It is commonly requested by lenders as part of loan or mortgage applications, landlords as part of rental agreements, and in some cases by authorities or employers as evidence of coverage. It is intended to complement the full policy documents, not to replace them, and it does not necessarily replace legal rights or obligations defined in the policy.

Issuance and language: it is typically issued after a policy is written or upon request and can be delivered electronically or as a printed document. Language varies; in Sweden, it may be in Swedish and may require translation for foreign parties.

Limitations: the exact form and content of a försäkringsbrev is not standardized and depends on the insurer and regulatory framework. Holders should refer to the full policy for a complete description of coverage, terms, and exclusions.