Norway is home to over 4.3 million registered vehicles. And in recent times, the rate of uninsured cars has dropped to less than 0.7%.
Third-party Car Insurance ANSVAR is the minimum insurance requirement for every motorist in Norway. If you get involved in a car accident without this coverage, you will have to pay for damages from your pocket. Some motorists have found themselves wallowing in debt after such incidences.
However, there are many car insurance providers in Norway. Hence, choosing the right one can be pretty challenging. So, how can you find the best car insurance in Norway?
1. Determine the Type of Insurance You Need
There are four types of car insurance in Norway. These are third-party — ANSVAR, DELKASKO, Comprehensive — KASKO and Premium — KASKO SUPER. And regardless of whether you use your car or not, it must have coverage. Third-party insurance only covers damages to other people or property. It doesn't cover your car. So, if you hit a parked car and cause damage, your insurer will pay for the repairs. Any injuries to other people will also be covered if you're at fault in an accident. Comprehensive Insurance — KASKO, on the other hand, covers damage to both your car and that of others. So, if you're involved in an accident, your insurer will pay for the repairs regardless of who's at fault.
If you own an older car, it may not be worth getting comprehensive insurance, as the payout may not cover the cost of repairs. In such a case, third-party insurance will suffice. You can also look at it from a time perspective. For instance, a third-party cover will be the better option if you are in Norway for a short time. But comprehensive insurance will do if you want coverage that will last for a year.
After determining the type of auto insurance you need, you can continue searching for the best provider. Alternatively, you can work with an independent broker. The advantage of using a broker is that they know many car insurance companies in Norway. For this reason, they will take a shorter time to find you the right match.
2. Choose a Reputable Insurer
If you are visiting Norway for the first time, you may not know which car insurance company to trust. Regardless of that, you will still have to find a reputable provider. To find the best insurer, check if the company is licensed to operate in Norway. An excellent way to know this is by looking for reviews online. Targeting an auto insurance provider with positive customer reviews and testimonials would be best.
As you read this information, you want to focus on settling claims. Be wary of any companies that have complaints about not settling claims. You can also ask your family and friends for recommendations. Sometimes it's best to hear about people already using car insurance. Otherwise, going with your instincts without any research could be miss leading. While at it, don't underestimate the service delivery of smaller Norway insurance companies. Some will go above and beyond to process your claims. Besides that, their rates will undoubtedly be friendly.
3. Experience of the Car Insurer
It is always advisable that you choose an experienced car insurance provider. As a result, you need to find a company that has been in business for a long time. Check the insurer's website if you don't know where to find this information. A provider that has been operational for a long time is bound to have experience handling different types of claims. Therefore, they will know how to handle different situations that may affect you while on the road.
Moreover, such a company will most likely have a good relationship with repair shops. And this means that they can get your car repairs done quickly and at a reasonable price. You don't want to work with a company that will take ages to repair your headlights. Otherwise, this can be inconvenient if you use your vehicle daily.
4. Customers Service and the Claim Process
The claim process is one of the most sensitive issues surrounding car insurance. You don't want to be stuck in a situation where you must wait for weeks or months to get your claim. You want a company that will be there in your time of need. Before settling with an insurer, please find out how long their claims process takes. A good Norway car insurance company, should be able to settle straightforward claims within two weeks.
You should also find out if the company has a 24/7 helpline because this will come in handy if you have an accident outside regular office hours. If you want to know whether the company has stellar customer service, look at how quickly they respond. For example, do their agents pick up your calls immediately? The other thing you want to look at is the quality of the feedback. A good car insurance company in Norway will answer your questions exhaustively. They will go out of their way to ensure the client is satisfied.
5. Get Quotes From Several Car Insurance Providers in Norway
Once you have a list of three Norway auto insurance companies, request quotes from each. The quotes will give you an idea of how much they charge for premiums. The average cost of either third-party or comprehensive car insurance in Norway will vary. While some companies will have high premiums, others will be flexible. In fact, some providers may adjust your payments as per your needs. Don't outrightly opt for the cheaper option. A low price will not guarantee excellent services. The same case will apply to an expensive provider. The best approach will be to settle for a company that charges reasonable premiums.
Pick the Best Car Insurance in Norway
You might have to explore several options before finding the best car insurance in Norway. However, if you follow the tips above, your efforts will eventually pay off. If you are not sure where to start when looking for the best Norway auto insurance, we are here to help. Fill in the online form to get a free quotation for the best insurance deal.