{"id":99,"date":"2021-11-18T09:17:28","date_gmt":"2021-11-18T09:17:28","guid":{"rendered":"http:\/\/192.168.64.2\/?page_id=99"},"modified":"2024-09-10T07:14:17","modified_gmt":"2024-09-10T07:14:17","slug":"ordlista","status":"publish","type":"page","link":"https:\/\/osbf.nu\/index.php\/ordlista\/","title":{"rendered":"Ordlista"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.27.0″ _module_preset=”default” custom_padding=”0px||0px||true|false” hover_enabled=”0″ locked=”off” collapsed=”on” global_colors_info=”{}” sticky_enabled=”0″][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.27.0″ _module_preset=”default” background_color=”#7090AE” background_enable_pattern_style=”on” background_pattern_style=”smiles” background_pattern_color=”rgba(255,255,255,0.06)” background_pattern_size=”stretch” width=”100%” max_width=”100%” hover_enabled=”0″ global_colors_info=”{}” height=”640px” min_height=”640px” max_height=”640px” sticky_enabled=”0″ custom_padding=”0px||0px||false|false”][et_pb_column type=”1_4″ _builder_version=”4.27.0″ _module_preset=”default” background_image=”https:\/\/osbf.nu\/wp-content\/uploads\/2024\/09\/Peter.jpg” hover_enabled=”0″ global_colors_info=”{}” title_text=”Peter” sticky_enabled=”0″][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” height_tablet=”40vw” height_phone=”40vw” height_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.0″ _module_preset=”default” background_image=”https:\/\/osbf.nu\/wp-content\/uploads\/2024\/09\/Batforsakringar_0004.jpg” hover_enabled=”0″ global_colors_info=”{}” title_text=”Ba\u030atforsakringar_0004″ sticky_enabled=”0″][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” height_tablet=”40vw” height_phone=”40vw” height_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”10%|4%|10%|8%|true|false” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.0″ _module_preset=”c16985e1-e0d6-4022-964d-e2bfc04fa633″ header_font=”Playfair Display|700|||||||” header_text_color=”#FFFFFF” header_font_size=”39px” header_line_height=”1.1em” custom_margin=”-82px|||-100px|false|false” hover_enabled=”0″ header_font_size_tablet=”40px” header_font_size_phone=”36px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}” text_font_size=”8px” sticky_enabled=”0″ width=”127.4%” custom_padding_last_edited=”on|phone” custom_padding_phone=”100px|||80px|false|false”]<\/p>\n

Sv\u00e5ra ord?<\/h1>\n

Vi hj\u00e4lper dig.<\/h1>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.0″ _module_preset=”default” background_image=”https:\/\/osbf.nu\/wp-content\/uploads\/2024\/09\/Stefan.jpg” hover_enabled=”0″ global_colors_info=”{}” title_text=”Stefan” sticky_enabled=”0″][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” min_height=”2330.8px” custom_margin=”49px|||||” custom_padding=”0px|||||” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” min_height=”94.8px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.0″ _module_preset=”default” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#000000″ header_2_font_size=”45px” header_2_line_height=”1.35em” custom_margin=”||30px||false|false” header_2_font_size_tablet=”32px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}” locked=”off”]<\/p>\n

Ordlista<\/h2>\n

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[\/et_pb_text][et_pb_text _builder_version=”4.27.0″ _module_preset=”default” text_font=”–et_global_body_font||||||||” header_2_font=”Playfair Display||||||||” global_colors_info=”{}” locked=”off” min_height=”69.2px” custom_margin=”||-26px|||”]<\/p>\n

Inom f\u00f6rs\u00e4kringsv\u00e4rlden finns det m\u00e5nga ord som kan vara sv\u00e5ra att f\u00f6rst\u00e5. H\u00e4r har vi samlat en del av dem och f\u00f6rs\u00f6kt f\u00f6rklara inneb\u00f6rden av dem.<\/p>\n

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[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” header_2_font=”Playfair Display||||||||” text_font=”–et_global_body_font|300|||||||” sticky_enabled=”0″]<\/p>\n

Aktsamhetskrav\u00a0<\/span><\/span><\/h2>\n

Aktsamhetskrav \u00e4r regler som beskriver hur du ska ta hand om din egendom. Det kan till exempel vara att h\u00e5lla b\u00e5ten l\u00e4nsad eller att l\u00e5sa fast din utombordsmotor. Om du inte f\u00f6ljer reglerna riskerar du att f\u00e5 minskad ers\u00e4ttning.\u00a0<\/span><\/span><\/span><\/p>\n

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Bedr\u00e4geri\u00a0<\/span><\/span><\/h2>\n

Bedr\u00e4geri \u00e4r ett brott d\u00e4r n\u00e5gon upps\u00e5tligen vilseleder annan f\u00f6r sin egen vinning. Det kan exempelvis vara att medvetet l\u00e4mna oriktiga uppgifter f\u00f6r att f\u00e5 f\u00f6rs\u00e4kringsers\u00e4ttning, anm\u00e4la en skada som inte intr\u00e4ffat eller \u00f6verdriva v\u00e4rdet p\u00e5 det som stulits eller g\u00e5tt s\u00f6nder.\u00a0<\/span><\/span><\/p>\n

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B\u00e5t\u00a0<\/span><\/span><\/h2>\n

Med b\u00e5t avses skrov, d\u00e4ck, \u00f6verbyggnad, roder och k\u00f6l. Med b\u00e5t likst\u00e4lls ocks\u00e5 vattenskoter om inget annat s\u00e4rskilt anges.\u00a0<\/span><\/span><\/span><\/span><\/p>\n

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B\u00e5ttillbeh\u00f6r<\/span><\/h2>\n

B\u00e5ttillbeh\u00f6r \u00e4r s\u00e5dana tillbeh\u00f6r som h\u00f6r till b\u00e5ten och som kan anses vara normala f\u00f6r den aktuella b\u00e5ten. <\/span><\/span><\/p>\n

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Ekonomisk invaliditet\u00a0<\/span><\/span><\/h2>\n

Se Invaliditet\u00a0<\/span><\/span><\/p>\n

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Extra sj\u00e4lvrisk\u00a0<\/span><\/span><\/h2>\n

Se Sj\u00e4lvrisk\u00a0<\/span><\/span><\/p>\n

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F\u00e4rd\u00a0<\/span><\/span><\/h2>\n

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Med f\u00e4rd avser vi h\u00e4r anv\u00e4ndande av eller aktivitet med b\u00e5ten p\u00e5 annan plats \u00e4n ordinarie f\u00f6rt\u00f6jningsplats.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rskingring\u00a0<\/span><\/span><\/h2>\n

F\u00f6rskingring \u00e4r ett brott d\u00e4r n\u00e5gon p\u00e5 lovlig v\u00e4g har f\u00e5tt tillg\u00e5ng till egendom, som n\u00e5gon annan \u00e4ger, och som sen hanterar denna egendom p\u00e5 ett olovligt s\u00e4tt. Det kan till exempel vara en hyrestagare som avviker eller s\u00e4ljer b\u00e5ten f\u00f6r egen r\u00e4kning.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rs\u00e4krad\u00a0<\/span><\/span><\/h2>\n

F\u00f6rs\u00e4krad \u00e4r den person som f\u00f6rs\u00e4kringen g\u00e4ller f\u00f6r och vars intresse, till exempel b\u00e5ten, \u00e4r f\u00f6rs\u00e4krat.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rs\u00e4krat intresse\u00a0<\/span><\/span><\/h2>\n

F\u00f6r att kunna f\u00e5 hj\u00e4lp av f\u00f6rs\u00e4kringen m\u00e5ste du vara juridisk \u00e4gare och huvudsaklig brukare. Du kan till exempel inte f\u00e5 ers\u00e4ttning fr\u00e5n en f\u00f6rs\u00e4kring d\u00e4r du inte \u00e4ger b\u00e5ten.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rs\u00e4kringsbelopp\u00a0<\/span><\/span><\/h2>\n

Med f\u00f6rs\u00e4kringsbelopp menar vi den maximala ers\u00e4ttning som kan betalas ut fr\u00e5n f\u00f6rs\u00e4kringen vid skada. F\u00f6rs\u00e4kringsbeloppet ska motsvara \u00e5teranskaffningspriset med avdrag f\u00f6r \u00e5lder och bruk. Om \u00e5teranskaffning inte kan ske, ska beloppet i st\u00e4llet anses motsvara vad det skulle ha kostat att omedelbart f\u00f6re f\u00f6rs\u00e4kringsfallet anskaffa likv\u00e4rdig egendom. F\u00f6rs\u00e4kringsbeloppet ska motsvara det sammanlagda marknadsv\u00e4rdet av den f\u00f6rs\u00e4krade b\u00e5ten med dess tillbeh\u00f6r exklusive eventuell jolle, den personliga l\u00f6segendomen samt uppl\u00e4ggningsmaterial och oregistrerad trailer.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rs\u00e4kringsbrev\u00a0<\/span><\/span><\/h2>\n

F\u00f6rs\u00e4kringsbrev \u00e4r den handling du f\u00e5r fr\u00e5n oss. Den inneh\u00e5ller detaljerad information om vad som g\u00e4ller f\u00f6r just din f\u00f6rs\u00e4kring och \u00e4r ett avtal mellan dig och ditt l\u00e4nsf\u00f6rs\u00e4kringsbolag.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rs\u00e4kringsgivare\u00a0<\/span><\/span><\/h2>\n

F\u00f6rs\u00e4kringsgivare \u00e4r det bolag som ing\u00e5tt avtal med dig som f\u00f6rs\u00e4kringstagare. Av ditt f\u00f6rs\u00e4kringsbrev framg\u00e5r vilket l\u00e4nsf\u00f6rs\u00e4kringsbolag som \u00e4r din f\u00f6rs\u00e4kringsgivare.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rs\u00e4kringsperiod\u00a0<\/span><\/span><\/h2>\n

F\u00f6rs\u00e4kringsperiod \u00e4r den avtalade giltighetstiden f\u00f6r f\u00f6rs\u00e4kringen. F\u00f6rs\u00e4kringsperioden framg\u00e5r av f\u00f6rs\u00e4kringsbrevet.\u00a0<\/span><\/span><\/p>\n

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F\u00f6rs\u00e4kringstagare\u00a0<\/span><\/span><\/h2>\n

F\u00f6rs\u00e4kringstagare \u00e4r den som har avtal om f\u00f6rs\u00e4kring med l\u00e4nsf\u00f6rs\u00e4kringsbolaget.\u00a0<\/span><\/span><\/p>\n

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Grundsj\u00e4lvrisk\u00a0<\/span><\/span><\/h2>\n

Se Sj\u00e4lvrisk\u00a0<\/span><\/span><\/p>\n

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Invaliditet\u00a0<\/span><\/span><\/h2>\n

Vid invaliditet skiljer man mellan medicinsk och ekonomisk invaliditet.\u00a0<\/span><\/span><\/p>\n

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Medicinsk invaliditet\u00a0<\/span><\/span><\/h2>\n

Medicinsk invaliditet \u00e4r om du efter ett olycksfall f\u00e5r en best\u00e5ende neds\u00e4ttning av den fysiska kroppsfunktionen. Neds\u00e4ttningen m\u00e4ts i procent efter ett tabellverk som \u00e4r gemensamt f\u00f6r f\u00f6rs\u00e4kringsbolagen.\u00a0<\/span><\/span><\/p>\n

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Ekonomisk invaliditet\u00a0<\/span><\/span><\/h2>\n

Om du skadar dig s\u00e5 illa att du f\u00e5r en framtida best\u00e5ende nedsatt arbetsf\u00f6rm\u00e5ga med minst 50 procent \u00e4r det fr\u00e5ga om ekonomisk invaliditet.\u00a0<\/span><\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” header_2_font=”Playfair Display||||||||” text_font=”–et_global_body_font|300|||||||”]<\/p>\n

Marknadsv\u00e4rde\u00a0<\/span><\/span><\/h2>\n

Marknadsv\u00e4rdet \u00e4r det pris som mest sannolikt kan erh\u00e5llas vid f\u00f6rs\u00e4ljning av ett f\u00f6rem\u00e5l p\u00e5 den allm\u00e4nna marknaden, det vill s\u00e4ga \u00e5teranskaffningskostnaden f\u00f6r motsvarande egendom i Sverige med h\u00e4nsyn tagen till \u00e5lder och skick.\u00a0<\/span><\/span><\/p>\n

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Medicinsk invaliditet\u00a0<\/span><\/span><\/h2>\n

Se Invaliditet\u00a0<\/span><\/span><\/p>\n

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Neds\u00e4ttning\u00a0<\/span><\/span><\/h2>\n

Neds\u00e4ttning inneb\u00e4r att du inte f\u00e5r full ers\u00e4ttning. Till exempel kan ers\u00e4ttningen s\u00e4ttas ned, det vill s\u00e4ga minskas, om aktsamhetskraven i villkoret inte f\u00f6ljts.\u00a0<\/span><\/span><\/p>\n

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Olycksfallsskada\u00a0<\/span><\/span><\/h2>\n

Med olycksfallsskada menas kroppsskada som drabbar dig ofrivilligt genom pl\u00f6tslig yttre h\u00e4ndelse. Olycksfallsskadan ska ha kr\u00e4vt l\u00e4karbehandling.\u00a0<\/span><\/span><\/p>\n

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Omfattning\u00a0<\/span><\/span><\/h2>\n

Vad, var och hur f\u00f6rs\u00e4kringen g\u00e4ller.\u00a0<\/span><\/span><\/p>\n

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Personliga tillh\u00f6righeter\u00a0<\/span><\/span><\/h2>\n

Med personliga tillh\u00f6righeter menar vi egendom f\u00f6r privat bruk som inte \u00e4r b\u00e5ttillbeh\u00f6r samt utrustning som inte kan anses vara normala f\u00f6r b\u00e5tar av samma slag som den f\u00f6rs\u00e4krade.\u00a0<\/span><\/span><\/p>\n

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Premieavi\u00a0<\/span><\/span><\/h2>\n

Meddelande om vad och n\u00e4r du ska betala.\u00a0<\/span><\/span><\/p>\n

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Preskription\u00a0<\/span><\/span><\/h2>\n

Preskription inneb\u00e4r att du kan f\u00f6rlora din m\u00f6jlighet till ers\u00e4ttning fr\u00e5n f\u00f6rs\u00e4kringen om du inte framst\u00e4ller ditt krav inom en viss tid.\u00a0<\/span><\/span><\/p>\n

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Prisbasbelopp\u00a0<\/span><\/span><\/h2>\n

Prisbasbeloppet \u00e4r ett belopp som grundar sig p\u00e5 prisutvecklingen i samh\u00e4llet och som best\u00e4ms av regeringen varje \u00e5r. Det anv\u00e4nds bland annat f\u00f6r ber\u00e4kning av vissa ers\u00e4ttningsbelopp.\u00a0<\/span><\/span><\/p>\n

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Pl\u00f6tslig och of\u00f6rutsedd utifr\u00e5n kommande h\u00e4ndelse\u00a0<\/span><\/span><\/h2>\n

Den h\u00e4ndelse som utl\u00f6st skadan ska ha haft ett snabbt f\u00f6rlopp (pl\u00f6tsligt). H\u00e4ndelsen ska ha intr\u00e4ffat ov\u00e4ntat och normalt inte g\u00e5 att f\u00f6rutse och d\u00e4rigenom f\u00f6rhindra (of\u00f6rutsedd). I vissa fall m\u00e5ste den pl\u00f6tsliga och of\u00f6rutsedda h\u00e4ndelsen vara orsakad av yttre p\u00e5verkan (utifr\u00e5n kommande\u00a0<\/span><\/span><\/p>\n

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Sj\u00e4lvrisk\u00a0<\/span><\/span><\/h2>\n

Sj\u00e4lvrisk \u00e4r den del av skadekostnaden som du enligt f\u00f6rs\u00e4kringsvillkoren sj\u00e4lv f\u00e5r st\u00e5 f\u00f6r vid varje skadetillf\u00e4lle. Vi anv\u00e4nder oss av tre olika typer av sj\u00e4lvrisk, se \u00e4ven C Sj\u00e4lvrisker.\u00a0<\/span><\/span><\/p>\n

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Grundsj\u00e4lvrisk\u00a0<\/span><\/span><\/h2>\n

Grundsj\u00e4lvrisk \u00e4r ett begrepp inom L\u00e4nsf\u00f6rs\u00e4kringar som beskriver den grundl\u00e4ggande, l\u00e4gsta sj\u00e4lvrisk f\u00f6r en f\u00f6rs\u00e4kring. Begreppet har inget med grundst\u00f6tning att g\u00f6ra.\u00a0<\/span><\/span><\/p>\n

Hur stor grundsj\u00e4lvrisken \u00e4r framg\u00e5r av ditt f\u00f6rs\u00e4kringsbrev.\u00a0<\/span><\/span><\/p>\n

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Vald sj\u00e4lvrisk\u00a0<\/span><\/span><\/h2>\n

Vald sj\u00e4lvrisk \u00e4r den sj\u00e4lvrisk du valde n\u00e4r du tecknade f\u00f6rs\u00e4kringen. Vald sj\u00e4lvrisk g\u00e4ller f\u00f6r de flesta skadeh\u00e4ndelser.\u00a0<\/span><\/span><\/p>\n

Hur stor sj\u00e4lvrisken \u00e4r framg\u00e5r av ditt f\u00f6rs\u00e4kringsbrev.\u00a0<\/span><\/span><\/p>\n

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Extra sj\u00e4lvrisk\u00a0<\/span><\/span><\/h2>\n

Vissa skadeh\u00e4ndelser g\u00e4ller med en extra sj\u00e4lvrisk. Vilka h\u00e4ndelser och hur stor den extra sj\u00e4lvrisken \u00e4r framg\u00e5r av villkoret.\u00a0<\/span><\/span><\/p>\n

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Sl\u00e4pjolle\u00a0<\/span><\/span><\/h2>\n

Med sl\u00e4pjolle avser vi s\u00e5dan b\u00e5t som anv\u00e4nds tillsammans med den f\u00f6rs\u00e4krade b\u00e5ten. Den ska st\u00e5 i rimligt proportion till den f\u00f6rs\u00e4krade b\u00e5tens storlek och v\u00e4rde. Jolle avsedd f\u00f6r kappsegling m\u00e5ste ha en separat f\u00f6rs\u00e4kring.\u00a0<\/span><\/span><\/p>\n

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Tvist\u00a0<\/span><\/span><\/h2>\n

Med tvist avses ett krav som helt eller delvis avvisas och som kan pr\u00f6vas av dispasch\u00f6r eller i allm\u00e4n domstol.\u00a0<\/span><\/span><\/p>\n

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Underf\u00f6rs\u00e4krad\u00a0<\/span><\/span><\/h2>\n

Underf\u00f6rs\u00e4kring inneb\u00e4r att f\u00f6rs\u00e4kringsbeloppet understiger marknadsv\u00e4rdet f\u00f6r den f\u00f6rs\u00e4krade egendomen.\u00a0<\/span><\/span><\/p>\n

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Vald sj\u00e4lvrisk\u00a0<\/span><\/span><\/h2>\n

Se Sj\u00e4lvrisk\u00a0<\/span><\/span><\/p>\n

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Sv\u00e5ra ord? Vi hj\u00e4lper dig.Ordlista   Inom f\u00f6rs\u00e4kringsv\u00e4rlden finns det m\u00e5nga ord som kan vara sv\u00e5ra att f\u00f6rst\u00e5. H\u00e4r har vi samlat en del av dem och f\u00f6rs\u00f6kt f\u00f6rklara inneb\u00f6rden av dem.   Aktsamhetskrav\u00a0 Aktsamhetskrav \u00e4r regler som beskriver hur du ska ta hand om din egendom. Det kan till exempel vara att h\u00e5lla b\u00e5ten […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-99","page","type-page","status-publish","hentry"],"yoast_head":"\nOrdlista - \u00d6SB F\u00f6rs\u00e4kringar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/osbf.nu\/index.php\/ordlista\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ordlista - \u00d6SB F\u00f6rs\u00e4kringar\" \/>\n<meta property=\"og:description\" content=\"Sv\u00e5ra ord? Vi hj\u00e4lper dig.Ordlista   Inom f\u00f6rs\u00e4kringsv\u00e4rlden finns det m\u00e5nga ord som kan vara sv\u00e5ra att f\u00f6rst\u00e5. H\u00e4r har vi samlat en del av dem och f\u00f6rs\u00f6kt f\u00f6rklara inneb\u00f6rden av dem.   Aktsamhetskrav\u00a0 Aktsamhetskrav \u00e4r regler som beskriver hur du ska ta hand om din egendom. 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