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Insurance, next to the mortgage, is a large fixed expense in a typical household budget. As a YS member, you can save a lot on the agreement the association has negotiated with Gjensidige .
– As a trade union, we are committed to ensuring that our members have benefits that reduce expenses in their household budget. That is why we have negotiated good agreements on fuel, loans and insurance, among other things, says Hans-Erik Skjæggerud, leader of YS .
At the same time, you should consider which insurance policies you actually need.
– There is no reason to be double insured or have insurance that is not relevant to you, points out the YS leader.
Get an overview of your insurance policies and what they cover
Gjensidige's communications manager Christian Haraldsen supports the YS leader. He says the company recommends that customers review their insurance policies regularly.
– In many ways, insurance is a new commodity. Needs change in line with life situations and other circumstances. We want our customers to be properly insured, he emphasizes.
Haraldsen describes canceling insurance that you actually need as a risky sport, but many people can easily be double insured.
Many employers offer personal or non-life insurance as employee benefits. If your employer offers this, you may have excess insurance that you are paying for yourself.
– Travel insurance is one example of insurance that people can have more than one. Check whether the insurance you have through your job applies both at work and in your free time, and whether it covers your spouse and children. In that case, you probably don't need the travel insurance you bought yourself, says Haraldsen.
Can you change your insurance and get a lower price?
You can raise your deductible to get a lower price for your insurance. The principle is that the higher the risk you take, the cheaper the insurance will be.
– If you have to prioritize hard, a higher deductible may be a good idea. The disadvantage, of course, is that you have to pay more yourself if an injury occurs, says Haraldsen.
Otherwise, there are several ways to lower your insurance premium if your circumstances have changed since you purchased the insurance.
If you use your car less, you can change the mileage on your insurance , and if you have renovated and installed electrical systems , leak stoppers or purchased a home alarm, this can provide a discount on your home insurance.
Can you get equivalent insurance cheaper?
Personal finance experts agree: You should regularly check whether you can get better terms on loans, mobile phone subscriptions, electricity and insurance.
– Just make sure you're comparing apples to apples. Companies compete not only on price, but also on what the insurance covers. If a lower price means worse insurance, you should think twice, says Haraldsen.
He reminds us that YS members have favorable terms on insurance with Gjensidige, which also pays customer dividends to everyone who has one or more non-life insurance policies with the company.
– Customer surveys show that Gjensidige has very satisfied customers . Those who have submitted a claim report are actually even more satisfied than those who have not experienced a claim. We are very pleased with that, says Haraldsen.
