Vehicle insurance for businesses

Limited comprehensive does not cover

• Theft of belongings over NOK 10 000
• Installed additional equipment over NOK 20 000

Comprehensive does not cover

• Theft and damage to belongings over NOK 10 000
• Damage to installed additional equipment over NOK 20 000
• Rental vehicles beyond 25 days and NOK 500 per day
• New vehicle in the event of total destruction for vehicles more than 1 year old or which have been driven more than 15,000 kilometres

Fully comprehensive doesn’t cover

• Machine damage cover on cars more than 8 years old
• New vehicle in the event of total destruction for vehicles more than 3 years old or which have been driven more than 100,000 kilometres
• Theft and damage to belongings over NOK 20 000
• Damage to installed additional equipment over NOK 50 000
• Rental vehicles beyond 30 days and NOK 1000 per day
• Damage to glass roof over NOK 30 000

• Damage which is caused intentionally
• Driving while intoxicated
• Off-road driving
• Track driving
• Damaged caused while rented out
• Contract liability

A no-claims bonus is a prize for damage-free driving. For each damage-free year, you get a reduction in the price. The higher the bonus, the lower the insurance price. Maximum no claims bonus is 80%.

Excess is the amount that, as the policyholder, you must cover after a claim.

Does the excess affect the price?
Yes, by selecting a higher excess than normal, you can reduce the price significantly. The higher the excess you choose, the lower the price.

What happens to the excess in the event of a claim disbursement?
The amount paid by the insurance company is the calculated loss minus your excess.