Camilla Bratt -Insurance

Anticimex). He has own home insurance for their property in the House. If e.g. the House would burn down, as in the case of the article and he is causing, well my house insurance cover this, although I do not live in the House? Grateful for reassurance.
Camilla Bratt: Hej, Your condominium insurance would rebuild the House. If an investigation shows that your son has been careless and thus is liable for damages, liability insurance in his own home insurance to compensate potential damages. Liability insurance cannot replace an injury where the person is liable for damages covered by the same insurance as the one to have the damages. But that is not the case for you and your son.

Bamse: why do insurance companies always have even social security numbers before they leave the prices? There are no pages that lists prices and compare companies in the style of subsidy-hunting; now (i.e. without the need to leave their or someone else's social security number first)?
Camilla Bratt: Hi, Companies request social security numbers if you call or want pricing information online. US companies have said they can provide pricing information without disclosing your social security number if you are writing to the company.
Tomas: last winter, we ran out to a large amount of snow on the roof pushed away a takstos, where evacuation from the kitchen fan went out. Noticed this not at once, but only when melt water was looking down through the hole in the roof, into the wind, further down in the ceiling and then dripped down on the kitchen bench. In our entirely newly built/renovated kitchen! Fortunately, I was able to quickly close the hole and cut up and access the insulation in the ceiling, from the wind. But what then surprised me immensely was to l�nsf�rs�kringar refused me compensation on the grounds that it does not replace due to injuries. Only actual damages, which in this case was a piece of sheet metal chimney for a few hundred dollars. Not a penny for the kitchen. Lucky, the kitchen was not destroyed, it was enough to wipe out and replace the insulation, but I had been away for a few days and not found it, it had gone quite badly and no reimbursement

More insurance companies can raise premiums for smokers

Read more Frightening pictures will discourage smoking

Several insurance companies are reluctant to smokers should pay a higher premium. Skandia, which raises the premium suggests that those who smoke are exposing themselves to greater risk and, therefore, should pay more.
As of Monday, Skandia to levy a 25 to 50 percent higher premium for thos
e in the health declaration indicated that they smoked daily. The fee increase, which was presented on Saturday in the Dagens Nyheter's debate page for those who sign up for health insurance, personal accident insurance, or life insurance. L�nsf�rs�kringar would not raise premiums for smokers.
"We do not want to take a position on smoking. In addition, it is very hard to verify if people smoke or not, says H�kan Tell, Director of the health risk assessment of l�nsf�rs�kringar.
Trygg-Hansa will monitor the impact of Skandia's premium increase.
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"We have at times asked if the policyholder is a smoker. The trials were stopped because it is difficult to get accurate answers about living habits. Another problem is those who relapse, says Bj�rn Sporrong, head of Security-Hansa. solarwinds
To take account of smoking when valuations, however, is not something new, he said.
-We take into account whether people with severe asthma or blood circulatory diseases have not stopped smoking, he continues. gcu  innovatrics  spectrum aeromed
Trygg-Hansa believes that smoking in the future will have a greater significance for risk assessment.
Among smokers and non-smokers that DN [DAGENS NYHETER] talked with on the town were opinions shared. Among non-smokers were criticisms of Skandia's largest premium increase. What is the next step? Which should then be higher premiums?
Smokers, however, had some understanding that they would pay for the risks of smoking. Marcus Andersson, who had been lured to a Bachelor Party, sprang on her cigarette while he defended the increase in premiums.
I am party smokers. But I think a premium increase is reasonable. Smoking costs society a great deal of money and it is not unreasonable that smokers themselves should pay.
His friend Jocke Eriksson is also positive:
� I like the idea. Smokers can add their own money for costs. But I can imagine that it will be difficult discussions if insurance companies to sort out if it is smoking, which led to some damage, "he says, and tells her that it was over with both snus as cigarettes, for his part, five years ago.
Skandia's premium increase means that a perfectly healthy 40-year-old woman who smoke will pay $ 1.050 in annual premiums for a life insurance. For a non-smoker is premium $ 70.
How should the company determine whether people are lying?
� This is a matter of conscience. Here, the same rules of honesty that when we today fill in health declaration, says Per Blankets, medical risk assessment officer, Skandia Liv.
� For care records shows that someone has stated incorrect facts in the health declaration, payment changes. It can be the same with smoking, he continues.