medborger_i_danmark_engelsk.pdf - Ny i Danmark

InsurancesConsumer rights97Private insuranceYou can protect yourself and your familyby taking out private insurance.This entitles you to claim compensationfor injuries and losses due to theftor damage to your property, or if anaccident renders you unfit for work.Third-party liability insurance isprobably the most important type ofinsurance. It covers damage done by youto other people and other people’sproperty.As a consumer, you have rights thatprotect you against being misled anddeceived. For example, you are entitled toreplacement or repair of any goods thatare defective or fail to comply with theseller’s description. All you have to do iscontact the seller within 24 months ofbuying the goods. Remember to bring thereceipt.Complaints to be madewithin 24 monthsECONOMY AND CONSUMPTIONDifficult choiceThere are many insurance companies andmany types of insurance, ranging from life,personal accident and third-party liabilityinsurance to household, health and carinsurance.The insurance companies havedifferent prices and terms, and it isdifficult to compare services and prices.Thus, the most expensive insurancescheme may not always be the best.Things to consider when choosing thetype of insurance to take out include thecoverage you want and the amount of ownrisk you are prepared to pay.Statutory insurancecoverSome insurances are obligatory. If youown a property, you must have fireinsurance coverage. If you have a dog, acar, a motorcycle or a moped, you musttake out third-party liability insurance.Third-party liability insurance coversinjuries caused by you to other persons.