nyvärdesersättning

Nyvärdesersättning, often translated as "replacement value" or "new for old" in English insurance contexts, refers to the principle by which an insured item is replaced with a brand new item of the same or equivalent type if it is damaged or destroyed beyond repair. This is distinct from indemnity, which aims to restore the insured to their financial position before the loss, often by considering depreciation.

Under a nyvärdesersättning policy, the insurance payout would cover the cost of purchasing a new item, regardless of the age or condition of the original item. For example, if a five-year-old television is destroyed, a nyvärdesersättning policy would pay the cost to buy a new television of the same model or a comparable model, rather than the depreciated value of the old one. This type of coverage is typically more expensive than policies based on actual cash value or indemnity due to the higher potential payout.

This principle is commonly applied to tangible assets like electronics, vehicles, and household contents. The exact terms and conditions, including any deductibles, depreciation clauses, or limits on replacement items, are specified in the insurance policy. Understanding whether a policy offers nyvärdesersättning is crucial for policyholders to ensure adequate coverage in the event of a claim.