{"id":2192,"date":"2024-08-24T12:42:10","date_gmt":"2024-08-24T10:42:10","guid":{"rendered":"https:\/\/blogg.atl.nu\/utbobloggen\/?p=2192"},"modified":"2024-08-24T12:42:10","modified_gmt":"2024-08-24T10:42:10","slug":"forsakring-som-inte-galler","status":"publish","type":"post","link":"https:\/\/blogg.atl.nu\/utbobloggen\/2024\/08\/24\/forsakring-som-inte-galler\/","title":{"rendered":"F\u00f6rs\u00e4kring som inte g\u00e4ller!"},"content":{"rendered":"

Tillbaka p\u00e5 g\u00e5rden i g\u00e5r kv\u00e4ll, bl\u00e5sigt men \u00e4nd\u00e5 med ljumma sensommarvindar.<\/p>\n

Jag l\u00e4ser Mikael Marklunds artikel i ATL (22\/8)<\/a> <\/em><\/span>om paret som fick veta att f\u00f6rs\u00e4kringen f\u00f6r deras jordbruksfastighet inte omfattade huset p\u00e5 g\u00e5rden n\u00e4r de fick en vattenskada.<\/p>\n

D\u00e4rf\u00f6r att huset betraktades som ett \u201dfritidshus\u201d eftersom de inte var \u201dbosatta\u201d p\u00e5 g\u00e5rden.<\/p>\n

Trots att de betalat \u201djordbruksf\u00f6rs\u00e4kring\u201d i 24 \u00e5r, i tron att huset p\u00e5 fastigheten (55 ha) – och som en del av fastigheten av Skatteverket klassad som just \u201djordbruksfastighet\u201d – \u00e4ven omfattade mang\u00e5rdbyggnaden.<\/p>\n

En person fr\u00e5n f\u00f6rs\u00e4kringsbolaget – L\u00e4nsf\u00f6rs\u00e4kringar var namnet! -deklarerar myndigt och fyrkantigt att det kr\u00e4vs att huset \u201dbrukas som stadigvarande bostad\u201d.<\/p>\n

Men hall\u00e5!<\/p>\n

Som \u201dutbo\u201d s\u00e4tter man ju kv\u00e4llskaffet i halsen.<\/p>\n

Vi \u00e4r nog r\u00e4tt m\u00e5nga ”utbor” med jord- och skogsbruksfastigheter och med egna och r\u00e4tt stora hus p\u00e5 fastigheten som vi betraktar som \u201dcentrum\u201d \u2013 mang\u00e5rdsbyggnaden – f\u00f6r hela verksamheten. Men d\u00e4r vi har ett liv d\u00e4r vi inte \u201dstadigvarande\u201d befinner oss. \u00c4ven om vi \u00e4r d\u00e4r s\u00e5 ofta vi kan.<\/p>\n

Och vi betalar dryga belopp i f\u00f6rs\u00e4kringspremier \u2013 flersiffriga och de b\u00f6rjar inte p\u00e5 ett (1) \u2013 till f\u00f6rs\u00e4kringsbolaget.<\/p>\n

S\u00e5 vilket tjafs!<\/p>\n

Och kom sedan inte dragande med den h\u00e4r \u00e5rliga \u201d\u00e5terbetalningen\u201d (\u00e5h, vad vi varit duktiga!) p\u00e5 den osk\u00e4liga premien, som brukar betalas tillbaka i efter hand.<\/p>\n

\"\"<\/p>\n

Fritidshus?<\/em><\/p>\n

Det blir till att h\u00e5lla tv\u00e5 fingrar i kors och hoppas att \u00e5skan inte sl\u00e5r ner innan jag \u00e4r tillbaka i stan och hinner l\u00e4sa f\u00f6rs\u00e4kringsbrevet och kolla om mang\u00e5rdsbyggnaden i sj\u00e4lva verket \u00e4r klassad som \u201dfritidshus\u201d.<\/p>\n

Och vad jag i s\u00e5 fall betalat dryga premier f\u00f6r \u2013 samt att \u00f6verv\u00e4ga att byta f\u00f6rs\u00e4kringsbolag!<\/p>\n","protected":false},"excerpt":{"rendered":"

Tillbaka p\u00e5 g\u00e5rden i g\u00e5r kv\u00e4ll, bl\u00e5sigt men \u00e4nd\u00e5 med ljumma sensommarvindar. Jag l\u00e4ser Mikael Marklunds artikel i ATL (22\/8) om paret som fick veta att f\u00f6rs\u00e4kringen f\u00f6r deras jordbruksfastighet inte omfattade huset p\u00e5 g\u00e5rden n\u00e4r de fick en vattenskada. D\u00e4rf\u00f6r att huset betraktades som ett \u201dfritidshus\u201d eftersom de inte var \u201dbosatta\u201d p\u00e5 g\u00e5rden. Trots…<\/p>\n","protected":false},"author":359,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"\nF\u00f6rs\u00e4kring som inte g\u00e4ller! - Utbobloggen<\/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:\/\/blogg.atl.nu\/utbobloggen\/2024\/08\/24\/forsakring-som-inte-galler\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"F\u00f6rs\u00e4kring som inte g\u00e4ller! - Utbobloggen\" \/>\n<meta property=\"og:description\" content=\"Tillbaka p\u00e5 g\u00e5rden i g\u00e5r kv\u00e4ll, bl\u00e5sigt men \u00e4nd\u00e5 med ljumma sensommarvindar. 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