Forsikring

[danton]

Hi,

I have asked offers from many insurance companies. Cost is way above what i thought (13000 per year).
I never had anything above Ansvar. But everyone says with a new car you need Full Kasko.

In case you damage your own car  you will pay 13000k per year for insurance  + 6000 deductible +insurance
cost increase next years.
In case of Ansvar insurance is 2500 per year. So comparing to Full Kasko to reach equivalent cost in case of self damaging i will have 13000-2500=10500+6000=16500 in my pocket  to spend on repairs the first year  and 27000 next year. No impact on Bonus.

I talked with representative from Gjensidge and they say a Model 3 has 20% chance of filing a claim each year. What are people filing claims for? Are they not careful when driving?
Or is the car dangerous?

[z4rd]

A vehicle in this price range should at least have del-kasko. Damages/repairs, even minor ones can easily become quite expensive on such a vehicle in Norway, specially considering the cost of labor. You really do not want to take that risk. Ansvar does not cover fire, theft, glass etc. I advise you to get fully covered - with or without rental car does not matter that much, tho it depends on your needs.

https://www.if.no/privat/forsikring/bilforsikring/dekning/delkasko

There has recently been a price adjustment for all Teslas in Norway. It was much cheaper just a year ago...

[danton]

Yes I understand the risk.

I would really appreciate if someone tells me about real cases where they used full kasko.
In most cases someone damages your car, they pay.
Car has a problem, Tesla pays (5 year warranty)

So it only comes down to when you damage your own car...

[1000kwh]

Hold deg unna Gjensidige, de vil ikke ha gode elbilkunder.

Når det er sagt er det helt idiotisk å ikke ha forsikring på en ny bil. Har du lån på bilen kan du bare ha full kasko.

Man forsikrer gjenstander man ikke enkelt kan erstatte. Dette inkluderer hus, innbo, deg selv, skader ved reise og bil.

Jeg ville satt meg mer inn i hvorfor man forsikrer ting, for du bommer veldig med regnestykket! Du flytter risikoen over på forsikringsselskapet, men betaler for det.

[Zett]

I would really appreciate if someone tells me about real cases where they used full kasko.

Real case from two years ago: My daugther drove the Model S and hit a pot hole in the road, it was dark so she did not see how deep it was.

Damage included broken wheel and tire, some bent/broken parts in suspension, scratches on fender and front panel which needed to be repainted, replacement of seat belt tensioner on both front seats. Cost to repair was 110k NOK.  So would take you about 10 years to save this amount, and this was a minor accident which could happen to the best driver.

And what happens if your car gets totally destroyed for some reason by someone without insurance to cover it? Then you have to drive for 50 years to save the money for a 500k car...

[z4rd]

So it only comes down to when you damage your own car...

No. It does not.

When a garage with 100 cars gets vaporized in a fire and you have only ansvar.  What happens then? Did you or someone else set fire to your car? No insurance against fire with ansvar.

What if someone do a hit-and-run. Break-ins as well. When you have no one elses insurance to claim anything from... you are kinda in a squeeze.

[Thomas Parsli]

One reasonable perspective on insurance, is that you pay to avoid expenses you either can't cover or choose not cover.

If you have 350.000,- available for a total write write off, then by all means buy "ansvarsforsikring"!

[danton]

Thanks

I am thinking of full kasko anyway. Just want to be sure I really need it.

Not sure about the garage fire (maybe the owner of the garage is obliged to compensate) but regarding the potholes the state  should be held liable as we pay taxes. But I am sure its impossible to claim anything from the state...

I will complain to TEKNA about Gjensidge. They should find another insurance company to affiliate with. Even though i negotiated down to a better price it annoys me they consider the model 3 to expensive to insure.

[Counterpointer]

Gjensidige dont want to insure electric vehicles at all. They have an active policy against ev's and steadily produce numbers too support this. These numbers are not objective and build too support their own opinions.....

Should be avoided for all insurance to make a stand!

[Klykken]

Check out https://www.tocn.no/coverclub/

My Model S costs 8500kr/year with 16000km. No "bonuses", and the deductible rates are fixed.

[danton]

Check out https://www.tocn.no/coverclub/

My Model S costs 8500kr/year with 16000km. No "bonuses", and the deductible rates are fixed.

Quite reasonable prices compared to others.  You must pay in addition a membership. Insurance is through CoverMe AS (!!).
I tried to find reviews but nothing.

[Klykken]

Yes, the membership at TOCN costs about 350kr/yr.
CoverMe seems to be quite agreeable on cases I've seen on the Norwegian Tesla-pages on Facebook, and no hazzle. But I've never had to use my insurance so I have no personal experience...

[OlaM]

Not sure about the garage fire (maybe the owner of the garage is obliged to compensate) but regarding the potholes the state  should be held liable as we pay taxes. But I am sure its impossible to claim anything from the state...

Yes, it's impossible. https://www.dn.no/samferdsel/veiutbygging/bildekk/bilskader/statens-vegvesen-nekter-a-dekke-skader-grunnet-darlige-veier/2-1-762383

From behind paywall:

Statens vegvesen får mange henvendelser fra bilister som har fått skade.

– Vi mottar flere tusen slike saker hvert år, sier Brage Heimly, advokat i Statens vegvesen.

Han understreker at enkelte år med vintre med mildvær medfører ofte flere hull i veibanen.

– Det kan resultere i flere dekkskader.

– Men hvem skal dekke kostnadene det medfører?

– Det er avklart rent juridisk. Vi stiller veien til disposisjon for bilistene i den tilstand veien til enhver tid er. Det er opptil bilistene og andre trafikanter å benytte seg av veien. De skal tilpasse farten etter forholdene slik at det ikke oppstår skade, ifølge veitrafikkloven.

– Men det er jo ikke alltid lett å se det?

– Jeg skjønner at det i enkelte tilfeller kan virke urimelig for bilistene. Det er sure penger å bytte dekk eller rette opp eventuelle skader grunnet slike uhell. Ett av hensynene bak regelen er at hvis bilistene uten videre fikk erstattet slike skader, så kunne man nok regne med at mange med slitte dekk kjørte i hull i veien for å få nye dekk av staten. Så ansvaret ligger på den enkelte bilist og ikke staten.

In the case of a garage fire, it might be caused by a specific car such as in Stavanger. But his liability insurance has a ceiling of 10MNOK and if the fire has done 100 MNOK of damage, you are only getting 10% of your damage covered. Also worth mentioning that no moose or deer has liability insurance, surprise black ice can happen to everyone, etc etc.

If you can't afford full coverage, you can't afford the car. If you can afford it (as I'm sure you can), but you're reluctant to pay it, at least put the money you save aside in a savings account or something. It doesn't take much of an impact to make a six digit repair bill these days.

[danton]

Better they privatize all roads and we stop paying taxes...
Thanks for all your input.
I already received offers from many companies.
In case others are searching for the same issue, NEMIFORSIKRING seems reasonable as well. Worth asking for a quote from them.

[Motorwatt]

Adressa:

- Man kan få erstatning
Advokat i Norges Automobilforbund, Jens Christian Riege, sier de får inn en del henvendelser i forbindelse med at biler blir skadet på dårlige veier. Han mener det i noen tilfeller er mulig å få erstatning for slike skader.

- Man kan få erstatning på skade på egen bil som følge av hull i veibanen eller andre forhold knytta til veien, men det forutsetter at det finnes et grunnlag for å fremme et krav. Det at det er et hull eller en skade i en vei er ikke i seg selv grunn til å få erstatning, det må foreligge uaktsomhet eller klanderverdige forhold hos veimyndighetene, sier Riege.

Ifølge NAF-advokaten skal det en del til å nå frem med erstatningskrav. Men han mener man ha en god sak dersom bilen blir skadet på et hull i vegbanen som vegmyndighetene har kjent til over lengre tid uten å gjøre noe, og særlig hvis det er snakk om en veg med mye trafikk.

- Spørsmålet er om veimyndighetene tidligere har blitt varslet om skaden i veien, om de har hatt mulighet til å gjøre noe med den, og om de burde ha utbedret skaden eller satt opp skilt. Er det snakk om en stor skade på motorvegen mellom Trondheim og Værnes må vegmyndighetene gjøre noe med det raskt, er det snakk om skade på en mindre veg kan det ta lengre tid, sier Riege.