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{"id":3730,"date":"2009-06-10T05:38:02","date_gmt":"2009-06-10T03:38:02","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=3730"},"modified":"2009-06-10T05:38:02","modified_gmt":"2009-06-10T03:38:02","slug":"ko-till-attack-mot-tillaggsforsakringar","status":"publish","type":"post","link":"http:\/\/konsumenter.se\/blogg\/?p=3730","title":{"rendered":"KO till attack mot till\u00e4ggsf\u00f6rs\u00e4kringar"},"content":{"rendered":"<p>Elektronik- och vitvarukedjorna tj\u00e4nar stora pengar p\u00e5 att s\u00e4lja extraf\u00f6rs\u00e4kringar, som oftast \u00e4r helt on\u00f6diga. Nu g\u00e5r KO till attack, verkets granskning visar att f\u00f6rs\u00e4kringarna strider mot lagen. Det skriver KoV i ett <a href=\"http:\/\/www.konsumentverket.se\/mallar\/sv\/pressmeddelande.asp?lngArticleId=6199&#038;lngCategoryId=509\">pressmeddelande<\/a>, och <a href=\"http:\/\/www.gp.se\/gp\/jsp\/Crosslink.jsp?d=106&#038;a=500130\">GP<\/a> och <a href=\"http:\/\/www.e24.se\/pengar24\/dinekonomi\/bankforsakring\/artikel_1376973.e24\">SvD<\/a> har artiklar om saken.<\/p>\n<p>Konsumentverket har granskat produktf\u00f6rs\u00e4kringar som s\u00e4ljs i fyra stora butikskedjor: Siba, Onoff, Expert Stormarknad och Elgiganten. Bed\u00f6mningen \u00e4r att de p\u00e5 flera punkter strider mot f\u00f6rs\u00e4kringsavtals- och marknadsf\u00f6ringslagen, sammanfattar GP. Dessa punkter \u00e4r:<\/p>\n<ul>\n<li>F\u00f6rk\u00f6psinformation. F\u00f6rs\u00e4kringsbolagen ger inte tillr\u00e4cklig muntlig och skriftlig information om f\u00f6rs\u00e4kringarnas begr\u00e4nsningar.<\/li>\n<li>F\u00f6rs\u00e4kringstid. Bolagen s\u00e4ljer enbart f\u00f6rs\u00e4kringar som har l\u00e4ngre f\u00f6rs\u00e4kringstid \u00e4n till\u00e5tna ett \u00e5r.<\/li>\n<li>Upph\u00f6rande vid totalskada. Om en f\u00f6rs\u00e4kring upph\u00f6r innan f\u00f6rs\u00e4kringstidens slut har konsumenten r\u00e4tt att f\u00e5 tillbaka premien f\u00f6r den tid f\u00f6rs\u00e4kringen inte kan anv\u00e4ndas. Detta uppfylls inte alltid av bolagen.<\/li>\n<li>F\u00f6rs\u00e4kringsanm\u00e4lan. Ett av bolagen har villkor som s\u00e4ger att en f\u00f6rs\u00e4kringsanm\u00e4lan ska ske inom tolv m\u00e5nader efter skadetillf\u00e4llet. Men enligt lagen har konsumenten alltid r\u00e4tt att anm\u00e4la en skada senare.<\/li>\n<\/ul>\n<p>&#8211; Konsumenterna har r\u00e4tt att kr\u00e4va att branschen f\u00f6ljer de regler som finns, s\u00e4ger Gunnar Larsson, Konsumentombudsman och generaldirekt\u00f6r f\u00f6r Konsumentverket. Vi f\u00f6rv\u00e4ntar oss att branschen nu sj\u00e4lvmant f\u00f6r\u00e4ndrar sina villkor, annars kommer vi att agera, s\u00e4ger han i verkets pressmeddelande.<\/p>\n<p>K\u00f6p inte dessa till\u00e4ggsf\u00f6rs\u00e4kringar, de \u00e4r oftast <a href=\"http:\/\/konsumenter.se\/blogg\/?p=347\">helt on\u00f6diga<\/a>! De tj\u00e4nar bara ett syfte, att \u00f6ka kedjornas int\u00e4kter. S\u00e4ljarnas argument \u00e4r m\u00e5nga g\u00e5nger <a href=\"http:\/\/konsumenter.se\/blogg\/?p=605\">direkt felaktiga<\/a>, men de har ju provision.<\/p>\n<p>Andra bloggar om: <a href=\"http:\/\/bloggar.se\/om\/Hemelektronik\" rel=\"tag\">Hemelektronik<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Vitvaror\" rel=\"tag\">Vitvaror<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Siba\" rel=\"tag\">Siba<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Onoff\" rel=\"tag\">Onoff<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Expert\" rel=\"tag\">Expert<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Elgiganten\" rel=\"tag\">Elgiganten<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Till%E4ggsf%F6rs%E4kringar\" rel=\"tag\">Till\u00e4ggsf\u00f6rs\u00e4kringar<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Elektronik- och vitvarukedjorna tj\u00e4nar stora pengar p\u00e5 att s\u00e4lja extraf\u00f6rs\u00e4kringar, som oftast \u00e4r helt on\u00f6diga. Nu g\u00e5r KO till attack, verkets granskning visar att f\u00f6rs\u00e4kringarna strider mot lagen. Det skriver KoV i ett pressmeddelande, och GP och SvD har artiklar om saken. Konsumentverket har granskat produktf\u00f6rs\u00e4kringar som s\u00e4ljs i fyra stora butikskedjor: Siba, Onoff, Expert [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[42,30,36,17,57],"tags":[],"_links":{"self":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/3730"}],"collection":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3730"}],"version-history":[{"count":3,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/3730\/revisions"}],"predecessor-version":[{"id":3733,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/3730\/revisions\/3733"}],"wp:attachment":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3730"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}