Insurance Claim Expressions
Anmäla skada, självrisk, hemförsäkring — and what happens when the answer is nej.
The insurance claim from inside the policy: the coverage map (lösöre, ansvar, rättsskydd, drulleförsäkringen that actually covers the phone in the toilet), the claim protocol (polisanmälan först, skadenummer, fotografera direkt, spara den skadade varan), the payout math (självrisk, åldersavdrag, återanskaffningsvärde), the strategy questions (var det värt att anmäla? högre självrisk, lägre premie) — ending, for once, well: skadan reglerades rättvist.
- 1
anmäla en skada
to report damage
Tip: lit. 'report a damage' — the first step in any claim.
- 2
hemförsäkring
home insurance
Tip: lit. 'home insurance' — almost everyone in Sweden has one.
- 3
självrisken
the excess
Tip: lit. 'the self-risk' — what you pay yourself.
- 4
villkoren
the policy terms
Tip: lit. 'the conditions' — nobody reads them until it's too late.
- 5
omfattas av försäkringen
to be covered
Tip: lit. 'be encompassed by the insurance'.
- 6
falla utanför försäkringen
not to be covered
Tip: lit. 'fall outside the insurance'.
- 7
skadan avslogs
the claim was rejected
Tip: lit. 'the damage was rejected'.
- 8
överklaga ett beslut
to appeal a decision
Tip: lit. the same.
- 9
vända sig till ARN
to take it to the ombudsman
Tip: lit. 'turn to ARN' — the national board for consumer disputes.
- 10
en besiktningsman
an assessor
Tip: lit. 'an inspection man'.
- 11
besiktiga skadan
to inspect the damage
Tip: lit. the same.
- 12
en skadereglerare
a claims adjuster
Tip: lit. 'a damage regulator'.
- 13
få ersättning
to be paid out
Tip: lit. 'get compensation'.
- 14
åldersavdrag
depreciation for age
Tip: lit. 'age deduction' — why your five-year-old sofa is worth nothing.
- 15
vara underförsäkrad
to be underinsured
Tip: lit. the same.
- 16
grov vårdslöshet
gross negligence
Tip: lit. the same — the clause that voids everything.
- 17
lämna dörren olåst
to leave the door unlocked
Tip: lit. the same — the classic reason for refusal.
- 18
inbrott
burglary
Tip: lit. 'break-in'.
- 19
vattenskada
water damage
Tip: lit. the same — the most common Swedish home claim.
- 20
en brandskada
a fire claim
Tip: lit. the same.
- 21
göra en polisanmälan först
to file a police report first
Tip: lit. the same — required for theft.
- 22
ett skadenummer
a case reference
Tip: lit. 'a damage number'.
- 23
dokumentera allt
to document everything
Tip: lit. the same — photograph before you throw anything away.
- 24
spara kvittona
to keep the receipts
Tip: lit. the same.
- 25
höja premien
to raise the premium
Tip: lit. the same — what a claim does to next year's bill.
- 26
bonusen försvinner
the bonus is lost
Tip: lit. 'the bonus disappears' — for car insurance.
- 27
det var inte värt att anmäla
it wasn't worth claiming
Tip: lit. the same — often true once the excess is counted.
- 28
försäkringsbeloppet
the sum insured
Tip: lit. the same.
- 29
årspremien
the annual premium
Tip: lit. the same.
- 30
betala månadsvis istället
to pay monthly instead
Tip: lit. the same — slightly more expensive.
- 31
lösöresskydd
contents cover
Tip: lit. the same — what's inside the home.
- 32
ansvarsskydd
liability cover
Tip: lit. the same — if you damage someone else's property.
- 33
rättsskydd
legal expenses cover
Tip: lit. the same — included in most home policies.
- 34
reseskydd ingår
travel cover included
Tip: lit. the same — 45 days, usually.
- 35
en allrisktilläggsförsäkring
an all-risks add-on
Tip: lit. the same — the 'drullefärsäkring' in speech.
- 36
drulleförsäkring
the clumsiness cover
Tip: lit. 'the clumsy insurance' — the everyday name for all-risks.
- 37
tappa mobilen i toaletten
to drop your phone in the toilet
Tip: lit. the same — the classic drulle claim.
- 38
faktiskt vara försäkrad för det
to be covered for that, actually
Tip: lit. the same.
- 39
självrisk per skada
an excess per claim
Tip: lit. the same.
- 40
högre självrisk, lägre premie
a higher excess, lower premium
Tip: lit. the same — the trade-off.
- 41
anmäla inom ett år
to claim within a year
Tip: lit. the same — the usual time limit.
- 42
fotografera direkt
to take photographs at once
Tip: lit. the same.
- 43
spara den skadade varan
to keep the damaged item
Tip: lit. the same — they may want to see it.
- 44
en värdering av skadan
a valuation of the loss
Tip: lit. the same.
- 45
återanskaffningsvärde
replacement value
Tip: lit. the same.
- 46
få ersättning i form av en ny vara
to be paid in kind
Tip: lit. 'get compensation as a new item'.
- 47
skadan reglerades rättvist
the claim was settled fairly
Tip: lit. the same — it does happen.