Slik får du de beste tilbudene på forsikring hvert år

Er det et område der utroskap lønner seg så er det i forsikringsmarkedet.

Forsikringsselskapene tjener alt for godt på kunder som aldri sjekker hvilke forsikringer de sitter på, og hva de betaler for forsikringene sine.

Økonomer anbefaler at du sjekker prisen på forsikringene dine minst en gang i året. Om du betaler en høyere forsikringspremie enn andre forsikringsselskaper er villig til å tilbyd deg, bør du forhandle med selskapet ditt, og bytte dersom de ikke kan matche forsikringstilbud fra andre selskaper.

Her er noen konkrete steg du kan ta for å få de beste tilbudene på forsikring hvert år.

Få tilbud fra flere forsikringsselskap

En enkel måte å sjekke hvilke forsikringstilbud som finnes der ute er å få anbud fra flere forsikringsselskap.

Det finnes en rekke anbudstjenester på nett som lar deg innhente tilbud fra flere forsikringsselskaper samtidig.

Du kan selv velge hvilke av forsikringsselskapene du ønsker skal gi deg tilbud, og du velger naturligvis også selv hvilke forsikringstilbud du eventuelt ønsker å gå videre med.

En fordel med å benytte seg av slike anbudstjenester er at får en god oversikt over priser og aktører på markedet. Ved å bruke en anbudstjeneste lar du forsikringsselskapene konkurrere om å få deg som kunde basert på dine forsikringsønsker og forsikringsbehov.

En av de mest populære anbudstjenestene for forsikringer finner du på Finansportalen.no. Dette er Forbrukerrådets egen finansportal.

Be forsikringsselskapet ditt matche tilbudene

Dersom du er fornøyd med servicen hos forsikringsselskapet du har i dag, er det ikke noe poeng å skifte forsikringsselskap dersom selskapet vil matche tilbudet du får fra andre forsikringsselskap.

Når du har innhentet tilbud fra konkurrenter bør du derfor ta en telefon eller sende en e-post til forsikringsselskapet ditt, og be selskapet matche tilbudet du har fått.

Forsikringsselskapene lever av kundene sine, og vil i de fleste tilfeller strekke seg langt for å beholde deg som kunde. Det inkluderer å gi deg en bedre pris på forsikringene du allerede har.

Om forsikringsselskapet ditt ikke matcher prisen bør du bytte selskap. Hvorfor skal du bruke et selskap som ikke gir deg det beste tilbudet?

Ved å bytte selskap er du med på å bidra til økt konkurranse mellom forsikringsselskapene, og det er bra for kundene i det lange løp!

Samle forsikringene dine i samme forsikringsselskap

De fleste forsikringsselskaper gir deg store rabatter dersom du samler flere av forsikringene dine i samme forsikringsselskap.

Samtidig er det enklere å få oversikt over hvilke forsikringer du faktisk har om du samler alle forsikringene på ett og samme sted.

Dersom du sitter med ulike forsikringer spredt ut over ulike forsikringsselskap, bør du undersøke om det er penger å hente på å samle forsikringene hos ett selskap.

Bruk medlemsfordelene dine

Mange er medlem i ulike interesseorganisasjoner, fagorganisasjoner og andre organisasjoner som gir medlemmene sine ulike medlemstilbud og medlemsfordeler.

I mange tilfeller er det lett å tjene inn medlemskontingenten sin ved å faktisk benytte seg av medlemsfordelene.

Mange av organisasjonene har egne avtaler med forsikringsselskap, som gir medlemmene gode rabatter på kjøp av forsikringer.

Gå derfor igjennom medlemskapene du har i dag, og undersøk om det er noen gode tilbud på forsikring å hente blant medlemsfordelene. Det kan lønne seg!

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