{"id":24103,"date":"2023-07-30T13:36:41","date_gmt":"2023-07-30T12:36:41","guid":{"rendered":"https:\/\/europedia24.com\/bilatryggingar-i-thyskalandi-tegundir-og-vernd\/"},"modified":"2026-07-14T20:28:27","modified_gmt":"2026-07-14T19:28:27","slug":"bilatryggingar-i-thyskalandi-tegundir-og-vernd","status":"publish","type":"post","link":"https:\/\/europedia24.com\/is\/bilatryggingar-i-thyskalandi-tegundir-og-vernd\/","title":{"rendered":"B\u00edlatryggingar \u00ed \u00de\u00fdskalandi: Tegundir og vernd"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u00cdhuga\u00f0 <strong>B\u00edlatryggingar \u00ed \u00de\u00fdskalandi<\/strong> \u00deetta er eitt af grundvallaratri\u00f0um og skyldureglum sem allir \u00ed landinu ver\u00f0a a\u00f0 fylgja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deetta er \u00ed \u00feeim tilgangi a\u00f0 tryggja b\u00edla \u00e1 almenningsvegum samkv\u00e6mt l\u00f6gum, \u00fear sem tryggingin n\u00e6r yfir fullan ska\u00f0a sem slys geta valdi\u00f0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au\u00f0vita\u00f0 eru m\u00f6rg mismunandi tryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi sem setja mismunandi skilyr\u00f0i auk margra tegunda trygginga eftir tegund og aldri b\u00edlsins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dev\u00ed \u00fearftu a\u00f0 f\u00e1 \u00e1byrg\u00f0artryggingu fyrir b\u00edl til a\u00f0 skr\u00e1 hana og s\u00ed\u00f0an f\u00e1 \u00e1byrg\u00f0artryggingu fyrir b\u00edl.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Til a\u00f0 veita \u00fe\u00e9r st\u00f6\u00f0uga a\u00f0sto\u00f0 munum vi\u00f0 veita \u00fe\u00e9r <strong><a href=\"https:\/\/europedia24.com\/\">Europedia 24<\/a> europedia24.com<\/strong>, allar uppl\u00fdsingar um hvernig \u00e1 a\u00f0 tryggja b\u00edla.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hva\u00f0 er b\u00edlatrygging \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0643\u064a\u0641-\u064a\u0645\u0643\u0646-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0648\u0645\u0627-\u0647\u064a-\u0623\u0646\u0648\u0627\u0639\u0647-1024x576.jpg\" alt=\"Hvernig getur\u00f0u tryggt b\u00edla \u00ed \u00de\u00fdskalandi og hva\u00f0a tegundir eru \u00feeir?\" class=\"wp-image-2562\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0643\u064a\u0641-\u064a\u0645\u0643\u0646-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0648\u0645\u0627-\u0647\u064a-\u0623\u0646\u0648\u0627\u0639\u0647-1024x576.jpg 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0643\u064a\u0641-\u064a\u0645\u0643\u0646-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0648\u0645\u0627-\u0647\u064a-\u0623\u0646\u0648\u0627\u0639\u0647-300x169.jpg 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0643\u064a\u0641-\u064a\u0645\u0643\u0646-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0648\u0645\u0627-\u0647\u064a-\u0623\u0646\u0648\u0627\u0639\u0647-768x432.jpg 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0643\u064a\u0641-\u064a\u0645\u0643\u0646-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0648\u0645\u0627-\u0647\u064a-\u0623\u0646\u0648\u0627\u0639\u0647-390x220.jpg 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0643\u064a\u0641-\u064a\u0645\u0643\u0646-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-\u0648\u0645\u0627-\u0647\u064a-\u0623\u0646\u0648\u0627\u0639\u0647.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">B\u00edlatryggingar \u00ed \u00de\u00fdskalandi \u00fe\u00fd\u00f0a a\u00f0 s\u00e1 sem \u00e1 b\u00edlinn undirritar samning milli s\u00edn og fyrirt\u00e6kisins sem s\u00e9r um tryggingaferli\u00f0, og \u00fev\u00ed er \u00fea\u00f0 skuldbundi\u00f0 til a\u00f0 b\u00e6ta vi\u00f0skiptavininum fyrir allar skemmdir sem kunna a\u00f0 ver\u00f0a \u00e1 b\u00edlnum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00edlatryggingasamningur \u00ed \u00de\u00fdskalandi byggir \u00e1 skyldu til a\u00f0 grei\u00f0a m\u00e1na\u00f0arleg e\u00f0a \u00e1rleg i\u00f0gj\u00f6ld \u00ed hlutfalli vi\u00f0 vi\u00f0skiptavininn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allar uppl\u00fdsingar um tryggingar eru einnig \u00fatsk\u00fdr\u00f0ar \u00ed samningnum, sem \u00fe\u00fd\u00f0ir a\u00f0 fyrirt\u00e6ki\u00f0 grei\u00f0ir ekki alla vi\u00f0ger\u00f0arkostna\u00f0 nema tryggingasamningurinn s\u00e9 hluti e\u00f0a heildst\u00e6\u00f0ur fyrir a\u00f0eins sm\u00e1v\u00e6gilegar skemmdir.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig &#8211; Hluti sem \u00fe\u00fa veist ekki um <a href=\"https:\/\/europedia24.com\/is\/ad-kaupa-hus-i-thyskalandi-mikilvaeg-atridi-sem-tharf-ad-vita\/\" data-type=\"post\" data-id=\"24102\">A\u00f0 kaupa h\u00fas \u00ed \u00de\u00fdskalandi<\/a> \u00dea\u00f0 ska\u00f0ar \u00feig ef \u00fe\u00fa veist \u00fea\u00f0 ekki<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Kostir b\u00edlatrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00dea\u00f0 hj\u00e1lpar til vi\u00f0 a\u00f0 var\u00f0veita fj\u00e1rhagsleg r\u00e9ttindi borgaranna og for\u00f0ast mikinn ska\u00f0a ef umfer\u00f0arslys eiga s\u00e9r sta\u00f0.<\/li>\n\n\n\n<li>Tryggingaf\u00e9l\u00f6g \u00fatr\u00fdma vandam\u00e1lum sem stafa af umfer\u00f0arslysum sem lei\u00f0a til margra m\u00e1la fyrir d\u00f3mst\u00f3lum.<\/li>\n\n\n\n<li>\u00dea\u00f0 veitir \u00f6kum\u00f6nnum tilfinningu fyrir \u00fe\u00e6gindum og \u00f6ryggi.<\/li>\n\n\n\n<li>Stundum felur tryggingin \u00ed s\u00e9r m\u00f6guleikann \u00e1 a\u00f0 gefa vi\u00f0skiptavininum n\u00fdjan b\u00edl vi\u00f0 vi\u00f0ger\u00f0 \u00e1 grunnb\u00edlnum.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Tegundir b\u00edlatrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Tegundir b\u00edlatrygginga \u00ed \u00de\u00fdskalandi\" class=\"wp-image-2564\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 eru margar tegundir b\u00edlatrygginga \u00ed \u00de\u00fdskalandi, \u00fear sem \u00fe\u00e6r eru jafn mikilv\u00e6gar og heimilistryggingar, l\u00f6gfr\u00e6\u00f0ileg vernd og slysatrygging.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tegundir b\u00edlatrygginga \u00ed \u00de\u00fdskalandi eru eftirfarandi:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Skyldub\u00edlatrygging \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Skyldub\u00edlatrygging er talin \u00e1byrg\u00f0artrygging.<\/li>\n\n\n\n<li>\u00dea\u00f0 n\u00e6r yfir skemmdir \u00e1 \u00f6\u00f0rum og b\u00edlum.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r ekki yfir skemmdir af v\u00f6ldum \u00fej\u00f3fna\u00f0ar, elds e\u00f0a ve\u00f0urtengdra skemmda.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r ekki yfir skemmdir sem stafa af \u00e1rekstrum vi\u00f0 d\u00fdr.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r ekki yfir brotnar r\u00fa\u00f0ur.<\/li>\n\n\n\n<li>Ekki er h\u00e6gt a\u00f0 skipta um b\u00edll\u00e1sinn ef hann t\u00fdnist e\u00f0a lyklar eru stoli\u00f0.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r ekki yfir tj\u00f3n sem stafar af \u00fdmsum slysum.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Hlutatrygging fyrir b\u00edl \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u00e6tir tj\u00f3n \u00e1 \u00f6\u00f0rum og b\u00edlum.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r yfir skemmdir sem stafa af \u00fej\u00f3fna\u00f0artilraunum og ve\u00f0urbreytingum.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r yfir skemmdir sem stafa af \u00e1rekstrum vi\u00f0 d\u00fdr.<\/li>\n\n\n\n<li>Hylur brotnar r\u00fa\u00f0ur.<\/li>\n\n\n\n<li>M\u00f6guleikinn \u00e1 a\u00f0 skipta um b\u00edlal\u00e1sa fer eftir skilm\u00e1lum samningsins.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r ekki yfir tj\u00f3n af v\u00f6ldum slysa.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Alhli\u00f0a b\u00edlatrygging \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u00e6tir tj\u00f3n \u00e1 \u00f6\u00f0rum og b\u00edlum.<\/li>\n\n\n\n<li>H\u00fan n\u00e6r yfir skemmdir af v\u00f6ldum \u00fej\u00f3fna\u00f0ar og vandam\u00e1l sem stafa af ve\u00f0ri.<\/li>\n\n\n\n<li>N\u00e6r yfir tj\u00f3n sem stafar af \u00e1rekstrum vi\u00f0 d\u00fdr.<\/li>\n\n\n\n<li>Hylur brotnar r\u00fa\u00f0ur.<\/li>\n\n\n\n<li>M\u00f6guleikinn \u00e1 a\u00f0 skipta um b\u00edlal\u00e1sana, en \u00fea\u00f0 fer eftir skilm\u00e1lum samningsins.<\/li>\n\n\n\n<li>N\u00e6r yfir tj\u00f3n sem stafar af slysum.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig &#8211; L\u00e6r\u00f0u allt um heiminn <a href=\"https:\/\/europedia24.com\/is\/heilbrigdistryggingar-i-thyskalandi-fullkomin-leidarvisir\/\" data-type=\"post\" data-id=\"24115\">Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">A\u00f0rar tegundir b\u00edlatrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ekki a\u00f0eins eru b\u00edlatryggingar \u00ed bo\u00f0i \u00ed \u00fdmsum ger\u00f0um, heldur eru einnig a\u00f0rar tegundir trygginga, sem eru eftirfarandi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>Bilunartrygging:<\/strong> <\/mark>\u00deetta er tryggingin sem grei\u00f0ir fyrir kostna\u00f0 vi\u00f0 a\u00f0 draga b\u00edlinn ef b\u00edllinn bilar \u00e1 veginum og n\u00e6r yfir kostna\u00f0 vi\u00f0 a\u00f0 skipta um b\u00edlinn auk kostna\u00f0ar vi\u00f0 flutning sj\u00fakra og slasa\u00f0ra.<\/li>\n\n\n\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">L\u00f6gfr\u00e6\u00f0itrygging:<\/mark><\/strong> \u00deessi trygging n\u00e6r yfir l\u00f6gfr\u00e6\u00f0ikostna\u00f0 ef slys ver\u00f0ur.<\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>Trygging fyrir aukab\u00fana\u00f0:<\/strong> <\/mark>Ef \u00fe\u00fa geymir d\u00fdran b\u00fana\u00f0 getur\u00f0u greitt kostna\u00f0 vi\u00f0 \u00fej\u00f3fna\u00f0 ef \u00fe\u00fa grei\u00f0ir h\u00e6rri i\u00f0gjald.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">\u00de\u00e6ttir vi\u00f0 val \u00e1 tegund b\u00edlatryggingar \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0639\u0648\u0627\u0645\u0644-\u0627\u062e\u062a\u064a\u0627\u0631-\u0646\u0648\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"\u00de\u00e6ttir vi\u00f0 val \u00e1 tegund b\u00edlatryggingar \u00ed \u00de\u00fdskalandi\" class=\"wp-image-2570\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0639\u0648\u0627\u0645\u0644-\u0627\u062e\u062a\u064a\u0627\u0631-\u0646\u0648\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0639\u0648\u0627\u0645\u0644-\u0627\u062e\u062a\u064a\u0627\u0631-\u0646\u0648\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0639\u0648\u0627\u0645\u0644-\u0627\u062e\u062a\u064a\u0627\u0631-\u0646\u0648\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0639\u0648\u0627\u0645\u0644-\u0627\u062e\u062a\u064a\u0627\u0631-\u0646\u0648\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0639\u0648\u0627\u0645\u0644-\u0627\u062e\u062a\u064a\u0627\u0631-\u0646\u0648\u0639-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Vegna margra tegunda b\u00edlatrygginga \u00ed \u00de\u00fdskalandi, hvernig getur\u00f0u vali\u00f0 bestu tegundina, \u00fear sem h\u00fan fer eftir grunnatri\u00f0um sem hj\u00e1lpa \u00fe\u00e9r a\u00f0 taka r\u00e9tta og bestu \u00e1kv\u00f6r\u00f0un.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deessir \u00fe\u00e6ttir eru eftirfarandi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ver\u00f0m\u00e6ti b\u00edlsins.<\/li>\n\n\n\n<li>B\u00fasetuskilyr\u00f0i.<\/li>\n\n\n\n<li>M\u00f6guleikinn er \u00e1 a\u00f0 skipta b\u00edlnum \u00fat fyrir annan me\u00f0 sama ver\u00f0m\u00e6ti ef h\u00f6fnun ver\u00f0ur, \u00fe\u00fa getur vali\u00f0 v\u00ed\u00f0t\u00e6ka tryggingu.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig &#8211; Kynntu \u00fe\u00e9r \u00fea\u00f0 besta <a href=\"https:\/\/europedia24.com\/is\/bestu-netverslunarsidurnar-i-thyskalandi\/\" data-type=\"post\" data-id=\"24101\">Verslanir \u00ed \u00de\u00fdskalandi<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">B\u00edlatryggingafyrirt\u00e6ki me\u00f0 afsl\u00e6tti \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sum tryggingaf\u00e9l\u00f6g bj\u00f3\u00f0a vi\u00f0skiptavinum mikla afsl\u00e6tti sem eru mismunandi eftir f\u00e9l\u00f6gum, eftir akstri \u00e1n \u00feess a\u00f0 lenda \u00ed slysi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dev\u00ed h\u00e6rri sem tj\u00f3naleysisflokkurinn er \u00e1 SF \u00f6kut\u00e6kinu, \u00fev\u00ed meira \u00e1kve\u00f0i\u00f0 hlutfall trygginga ver\u00f0ur \u00fathluta\u00f0 til hvers flokks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Samkv\u00e6mt \u00fev\u00ed \u00e1 vi\u00f0skiptavinurinn r\u00e9tt \u00e1 a\u00f0 grei\u00f0a l\u00edtinn hluta af grunntryggingagjaldinu, og \u00ed \u00feessu kerfi er \u00feetta hlutfall \u00e1 bilinu 20 til 245%, og hver vi\u00f0skiptavinur \u00e6tti a\u00f0 lesa eiginleika og skilm\u00e1la tryggingasamninganna vandlega \u00e1\u00f0ur en hann undirritar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">B\u00edlatryggingab\u00f3nusar \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0645\u0643\u0627\u0641\u0622\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"B\u00edlatryggingab\u00f3nusar \u00ed \u00de\u00fdskalandi\" class=\"wp-image-2572\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0645\u0643\u0627\u0641\u0622\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0645\u0643\u0627\u0641\u0622\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0645\u0643\u0627\u0641\u0622\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0645\u0643\u0627\u0641\u0622\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0645\u0643\u0627\u0641\u0622\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Tryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi bj\u00f3\u00f0a upp \u00e1 b\u00f3nuskerfi \u00e1n tj\u00f3na, sem byggir \u00e1 \u00fev\u00ed a\u00f0 umbuna \u00f6kum\u00f6nnum sem nota b\u00edlinn \u00ed eitt \u00e1r e\u00f0a lengur \u00e1n \u00feess a\u00f0 krefjast afsl\u00e1ttar \u00e1 \u00e1rlegum hluta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deannig breytist afsl\u00e1tturinn eftir fyrirt\u00e6kinu sj\u00e1lfu og vi\u00f0skiptavinurinn \u00e1 r\u00e9tt \u00e1 eftirfarandi atri\u00f0um:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>35% afsl\u00e1ttur af \u00e1rlegum gj\u00f6ldum ef ekki er m\u00e1la\u00f0 innan \u00e1rs.<\/li>\n\n\n\n<li>3 \u00e1r \u00e1n kr\u00f6fu upp \u00e1 45%.<\/li>\n\n\n\n<li>Allt a\u00f0 50% afsl\u00e1ttur ef engin tj\u00f3n er \u00ed 5 \u00e1r.<\/li>\n\n\n\n<li>80% afsl\u00e1ttur um 15+ ef engin krafa er.<\/li>\n\n\n\n<li>Ekki er h\u00e6gt a\u00f0 flytja kr\u00f6fut\u00edmabil fr\u00e1 fyrirt\u00e6kjum.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">\u00de\u00e6ttir vi\u00f0 \u00fatreikning \u00e1 kostna\u00f0i b\u00edlatrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kostna\u00f0ur vi\u00f0 b\u00edlatryggingar \u00ed \u00de\u00fdskalandi er mismunandi eftir f\u00e9l\u00f6gum og byggist einnig \u00e1 \u00fdmsum \u00fe\u00e1ttum sem eru vel metnir \u00e1\u00f0ur en kostna\u00f0urinn er \u00e1kve\u00f0inn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En almennt \u00fatsk\u00fdr\u00f0i \u00de\u00fdska tryggingaf\u00e9lagi\u00f0 a\u00f0 me\u00f0al\u00e1rlegt b\u00edlatryggingagjald kosti um 258 evrur fyrir \u00e1byrg\u00f0 og 329 evrur fyrir vi\u00f0b\u00f3targjaldi\u00f0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Til a\u00f0 reikna \u00fat kostna\u00f0 vi\u00f0 b\u00edlatryggingar \u00ed \u00de\u00fdskalandi \u00e6ttir \u00fe\u00fa a\u00f0 sko\u00f0a nokkra grunn\u00fe\u00e6tti, sem eru eftirfarandi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>St\u00e6r\u00f0 og tegund \u00f6kut\u00e6kisins.<\/li>\n\n\n\n<li>G\u00e6\u00f0i \u00fej\u00f3nustunnar sem fyrirt\u00e6ki\u00f0 veitir.<\/li>\n\n\n\n<li>St\u00e6r\u00f0, r\u00famtak og afl v\u00e9lar.<\/li>\n\n\n\n<li>Fj\u00f6ldi \u00f6kumanna \u00e1 b\u00edl.<\/li>\n\n\n\n<li>Fj\u00f6ldi k\u00edl\u00f3metra sem b\u00faist er vi\u00f0 \u00e1 \u00e1ri.<\/li>\n\n\n\n<li>Aldur \u00f6kusk\u00edrteinis.<\/li>\n\n\n\n<li>Tegund \u00f6kut\u00e6kis og framlei\u00f0slu\u00e1r.<\/li>\n\n\n\n<li>Aldur og b\u00fasetusta\u00f0ur trygg\u00f0s einstaklings.<\/li>\n\n\n\n<li>Slysat\u00ed\u00f0ni.<\/li>\n\n\n\n<li>Tegund eldsneytis sem nota\u00f0 er.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dev\u00ed h\u00e6rri sem hest\u00f6flin eru, \u00fev\u00ed h\u00e6rri er tryggingakostna\u00f0urinn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">\u00d3d\u00fdrustu tegundir b\u00edlatrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Eins og \u00e1\u00f0ur hefur komi\u00f0 fram eru m\u00f6rg b\u00edlatryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi sem bj\u00f3\u00f0a upp \u00e1 fj\u00f6lbreytt tilbo\u00f0 sem henta \u00fe\u00f6rfum vi\u00f0skiptavina, en \u00fe\u00fa \u00e6ttir a\u00f0 velja \u00fea\u00f0 besta og \u00f3d\u00fdrasta \u00e1 sama t\u00edma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa ert a\u00f0 leita a\u00f0 \u00f3d\u00fdrustu tryggingunni h\u00e9r getur\u00f0u greitt hana a\u00f0 fullu og h\u00e6tt vi\u00f0 m\u00e1na\u00f0arlega, \u00feannig ver\u00f0ur R+V24 tryggingin hentugasta vali\u00f0 fyrir \u00feig, og fyrir fyrirt\u00e6kin bestu <a href=\"https:\/\/www.da-direkt.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">D.A. Direkt fyrirt\u00e6ki\u00f0<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Bestu b\u00edlatryggingaf\u00e9l\u00f6gin \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0641\u0636\u0644-\u0634\u0631\u0643\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Bestu b\u00edlatryggingaf\u00e9l\u00f6gin \u00ed \u00de\u00fdskalandi\" class=\"wp-image-2573\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0641\u0636\u0644-\u0634\u0631\u0643\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0641\u0636\u0644-\u0634\u0631\u0643\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0641\u0636\u0644-\u0634\u0631\u0643\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0641\u0636\u0644-\u0634\u0631\u0643\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0641\u0636\u0644-\u0634\u0631\u0643\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 eru m\u00f6rg fyrirt\u00e6ki sem bj\u00f3\u00f0a upp \u00e1 b\u00edlatryggingar um allt \u00de\u00fdskaland, en \u00fe\u00fa ver\u00f0ur a\u00f0 velja \u00fea\u00f0 besta til a\u00f0 f\u00e1 g\u00f3\u00f0a samninga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bestu b\u00edlatryggingaf\u00e9l\u00f6gin \u00ed \u00de\u00fdskalandi eru:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/avd.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">AvD<\/a><\/strong>.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.axa-schengen.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Axa<\/a><\/strong>.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.hdi.global\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDI<\/a><\/strong>.<\/li>\n\n\n\n<li><strong>R + V24.<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.bavariadirekt.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bavariadiekt<\/a><\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Vi\u00f0mi\u00f0 fyrir val \u00e1 bestu b\u00edlatryggingaf\u00e9l\u00f6gunum \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Til a\u00f0 velja besta b\u00edlatryggingaf\u00e9lagi\u00f0 sem \u00fe\u00fa getur unni\u00f0 me\u00f0 \u00e6ttir \u00fe\u00fa a\u00f0 taka eftirfarandi \u00fe\u00e6tti til greina til a\u00f0 n\u00e1 bestu samningum og samningum:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sko\u00f0a\u00f0u afsl\u00e6ttina sem fyrirt\u00e6ki\u00f0 b\u00fd\u00f0ur.<\/li>\n\n\n\n<li>Kynntu \u00fe\u00e9r stefnu um umbunaflutning milli fyrirt\u00e6kja.<\/li>\n\n\n\n<li>Finndu \u00fat hva\u00f0a tryggingar eru \u00ed bo\u00f0i hj\u00e1 f\u00e9laginu ef slys eiga s\u00e9r sta\u00f0.<\/li>\n\n\n\n<li>Sko\u00f0a\u00f0u valkosti um sj\u00e1lfs\u00e1byrg\u00f0 og sj\u00e1lfs\u00e1byrg\u00f0.<\/li>\n\n\n\n<li>Kynntu \u00fe\u00e9r or\u00f0spor fyrirt\u00e6kisins vel og lestu umsagnir vi\u00f0skiptavina.<\/li>\n\n\n\n<li>Er fyrirt\u00e6ki\u00f0 me\u00f0 stefnu um a\u00f0sto\u00f0 vi\u00f0 bilun \u00e1 vegum?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Skj\u00f6l sem \u00fearf til a\u00f0 s\u00e6kja um b\u00edlatryggingu \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deegar s\u00f3tt er um b\u00edlatryggingu \u00ed \u00de\u00fdskalandi ver\u00f0ur \u00fe\u00fa a\u00f0 leggja fram eftirfarandi skj\u00f6l:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00de\u00fdska \u00f6kusk\u00edrteinisn\u00fameri\u00f0.<\/li>\n\n\n\n<li>Gilt vegabr\u00e9f e\u00f0a pers\u00f3nuleg skilr\u00edki.<\/li>\n\n\n\n<li>Pers\u00f3nuuppl\u00fdsingar \u00fe\u00ednar sem tengjast akstursferli \u00f6kut\u00e6kisins.<\/li>\n\n\n\n<li>Bankareikningurinn \u00feinn \u00ed \u00de\u00fdskalandi.<\/li>\n\n\n\n<li>Kaupskj\u00f6l fyrir \u00f6kut\u00e6ki sem tryggingaf\u00e9l\u00f6g ver\u00f0a a\u00f0 f\u00e1 til vega.<\/li>\n\n\n\n<li>\u00deegar leyfilegt er a\u00f0 gefa \u00fat tryggingarsamninginn \u00e1 netinu \u00fearf einnig a\u00f0 senda nau\u00f0synleg skj\u00f6l \u00e1 netinu innan 24 klukkustunda.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Eftir a\u00f0 \u00feessu ferli l\u00fdkur og b\u00edlatrygging hefur veri\u00f0 sam\u00feykkt, f\u00e6r\u00f0u eftirfarandi skj\u00f6l:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EVB tryggingan\u00fameri\u00f0 er rafr\u00e6n tryggingasta\u00f0festing og tryggingaruppl\u00fdsingar.<\/li>\n\n\n\n<li>D\u00e6mi um ESB slysayfirl\u00fdsingu til notkunar ef umfer\u00f0arslys eiga s\u00e9r sta\u00f0.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hvernig \u00e1 a\u00f0 leggja fram kr\u00f6fu um b\u00edlatryggingu \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ef slys \u00e1 s\u00e9r sta\u00f0 og \u00fe\u00fa vilt s\u00e6kja um b\u00edlatrygginguna \u00fe\u00edna hj\u00e1 tryggingaf\u00e9laginu, ver\u00f0ur \u00fe\u00fa a\u00f0 l\u00e1ta f\u00e9lagi\u00f0 vita innan tveggja vikna fr\u00e1 slysinu og fylgja eftirfarandi skrefum:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Samtalsskipti vi\u00f0 a\u00f0ila sem komu a\u00f0 slysinu.<\/li>\n\n\n\n<li>Taktu myndir af slysinu sem s\u00fdna tegund skemmda.<\/li>\n\n\n\n<li>A\u00f0 afla pers\u00f3nuuppl\u00fdsinga vitna \u00ed slysi.<\/li>\n\n\n\n<li>Skrifa\u00f0u slysask\u00fdrslu og sendu \u00fea\u00f0 til tryggingaf\u00e9lagsins.<\/li>\n\n\n\n<li>Ef slys ver\u00f0ur sem veldur alvarlegum skemmdum \u00e6tti a\u00f0 hafa samband vi\u00f0 l\u00f6greglu strax.<\/li>\n\n\n\n<li>Ef mei\u00f0sli ver\u00f0a, hringdu \u00e1 sj\u00fakrab\u00edl.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">R\u00e1\u00f0 \u00feegar \u00fe\u00fa tryggir b\u00edl til a\u00f0 n\u00e1 nau\u00f0synlegum sparna\u00f0i<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0646\u0635\u0627\u0626\u062d-\u0639\u0646\u062f-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0639\u0644\u0649-\u0627\u0644\u0633\u064a\u0627\u0631\u0629-\u0644\u062a\u062d\u0642\u064a\u0642-\u0627\u0644\u062a\u0648\u0641\u064a\u0631-\u0627\u0644\u0645\u0637\u0644\u0648\u0628-1024x576.webp\" alt=\"R\u00e1\u00f0 \u00feegar \u00fe\u00fa tryggir b\u00edl til a\u00f0 n\u00e1 nau\u00f0synlegum sparna\u00f0i\" class=\"wp-image-2574\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0646\u0635\u0627\u0626\u062d-\u0639\u0646\u062f-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0639\u0644\u0649-\u0627\u0644\u0633\u064a\u0627\u0631\u0629-\u0644\u062a\u062d\u0642\u064a\u0642-\u0627\u0644\u062a\u0648\u0641\u064a\u0631-\u0627\u0644\u0645\u0637\u0644\u0648\u0628-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0646\u0635\u0627\u0626\u062d-\u0639\u0646\u062f-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0639\u0644\u0649-\u0627\u0644\u0633\u064a\u0627\u0631\u0629-\u0644\u062a\u062d\u0642\u064a\u0642-\u0627\u0644\u062a\u0648\u0641\u064a\u0631-\u0627\u0644\u0645\u0637\u0644\u0648\u0628-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0646\u0635\u0627\u0626\u062d-\u0639\u0646\u062f-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0639\u0644\u0649-\u0627\u0644\u0633\u064a\u0627\u0631\u0629-\u0644\u062a\u062d\u0642\u064a\u0642-\u0627\u0644\u062a\u0648\u0641\u064a\u0631-\u0627\u0644\u0645\u0637\u0644\u0648\u0628-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0646\u0635\u0627\u0626\u062d-\u0639\u0646\u062f-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0639\u0644\u0649-\u0627\u0644\u0633\u064a\u0627\u0631\u0629-\u0644\u062a\u062d\u0642\u064a\u0642-\u0627\u0644\u062a\u0648\u0641\u064a\u0631-\u0627\u0644\u0645\u0637\u0644\u0648\u0628-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0646\u0635\u0627\u0626\u062d-\u0639\u0646\u062f-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0639\u0644\u0649-\u0627\u0644\u0633\u064a\u0627\u0631\u0629-\u0644\u062a\u062d\u0642\u064a\u0642-\u0627\u0644\u062a\u0648\u0641\u064a\u0631-\u0627\u0644\u0645\u0637\u0644\u0648\u0628.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li>\u00de\u00fa \u00e6ttir a\u00f0 velja afsl\u00e1tt af b\u00edlatryggingum, \u00fev\u00ed \u00fev\u00ed h\u00e6rri sem sj\u00e1lfs\u00e1byrg\u00f0in er, \u00fev\u00ed l\u00e6gri er tryggingakostna\u00f0urinn.<\/li>\n\n\n\n<li>A\u00f0 velja \u00e1rslaun fr\u00e1 b\u00edlatryggingum \u00ed \u00de\u00fdskalandi \u00ed sta\u00f0 \u00feess a\u00f0 grei\u00f0a h\u00e6rri upph\u00e6\u00f0ir \u00e1 m\u00e1nu\u00f0i.<\/li>\n\n\n\n<li>\u00c1rlegur aksturst\u00edmi \u00feinn \u00e6tti a\u00f0 vera vel \u00e1\u00e6tla\u00f0ur \u00fev\u00ed \u00fev\u00ed fleiri k\u00edl\u00f3metrar sem \u00fe\u00fa hefur, \u00fev\u00ed h\u00e6rri eru slysapr\u00f3sentur \u00fe\u00ednar.<\/li>\n\n\n\n<li>N\u00faverandi akstursferill \u00feinn \u00e6tti a\u00f0 vera fluttur \u00fev\u00ed \u00fev\u00ed hreinni sem skr\u00e1ningin er, mun l\u00e6kka kostna\u00f0 vi\u00f0 b\u00edlatryggingar verulega.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa ert sj\u00e1lfst\u00e6tt starfandi getur\u00f0u dregi\u00f0 fr\u00e1 alla b\u00edlatrygginguna \u00feegar \u00fe\u00fa skilar skattframtali, en \u00fea\u00f0 er a\u00f0eins \u00ed bo\u00f0i ef \u00fe\u00fa \u00e1tt b\u00edlinn og ert trygg\u00f0ur.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Upps\u00f6gn b\u00edlatryggingasamnings \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Venjan er a\u00f0 samningurinn vi\u00f0 fyrirt\u00e6ki\u00f0 s\u00e9 sj\u00e1lfkrafa endurn\u00fdja\u00f0ur nema \u00fe\u00fa f\u00e1ir hi\u00f0 gagnst\u00e6\u00f0a, en ef \u00fe\u00fa vilt segja samningnum upp e\u00f0a flytja til annars fyrirt\u00e6kis ver\u00f0ur \u00fe\u00fa a\u00f0 tilkynna a\u00f0alfyrirt\u00e6kinu innan a\u00f0 minnsta kosti eins m\u00e1na\u00f0ar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 eru nokkur undantekningartilvik \u00fear sem h\u00e6gt er a\u00f0 segja upp tryggingasamningi fyrr, sem eru eftirfarandi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00e6kkun i\u00f0gjalda skyldar tryggingaf\u00e9lagi\u00f0 til a\u00f0 tilkynna vi\u00f0skiptavininum um h\u00e6kkunina a\u00f0 minnsta kosti einum m\u00e1nu\u00f0i fyrirfram.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa ert ekki \u00e1n\u00e6g\u00f0ur me\u00f0 hvernig fyrirt\u00e6ki\u00f0 er me\u00f0h\u00f6ndla\u00f0, er h\u00e6gt a\u00f0 leggja fram formlega kv\u00f6rtun.<\/li>\n\n\n\n<li>\u00deegar b\u00edllinn er seldur sam\u00feykkir kaupandinn n\u00faverandi tryggingu en hefur r\u00e9tt til a\u00f0 h\u00e6tta vi\u00f0 hana e\u00f0a skr\u00e1 sig hj\u00e1 n\u00fdju fyrirt\u00e6ki.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hvernig \u00e1 a\u00f0 leggja fram kv\u00f6rtun gegn b\u00edlatryggingaf\u00e9lagi \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa ert \u00f3\u00e1n\u00e6g\u00f0ur me\u00f0 hvernig b\u00edlatryggingaf\u00e9lagi\u00f0 kemur fram vi\u00f0 \u00feig e\u00f0a veitir ekki \u00fe\u00e1 \u00fej\u00f3nustu sem b\u00faist er vi\u00f0, getur\u00f0u lagt fram kv\u00f6rtun gegn f\u00e9laginu me\u00f0 \u00fev\u00ed a\u00f0 fylgja eftirfarandi skrefum:<strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Skrifa\u00f0u kv\u00f6rtun \u00fe\u00edna til kv\u00f6rtunardeildar tryggingaf\u00e9lagsins.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa f\u00e6r\u00f0 ekkert svar getur\u00f0u v\u00edsa\u00f0 kv\u00f6rtuninni til Bafin \u00ed gegnum \u00feetta <a href=\"https:\/\/www.bafin.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Tengill<\/a>.<\/li>\n\n\n\n<li>M\u00f6guleikinn \u00e1 a\u00f0 leggja fram kv\u00f6rtun til tryggingaumbo\u00f0smanns til a\u00f0 n\u00e1 lausn utan d\u00f3mst\u00f3la.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa ert ekki \u00e1n\u00e6g\u00f0ur me\u00f0 lausnina getur\u00f0u fari\u00f0 me\u00f0 m\u00e1li\u00f0 fyrir d\u00f3mst\u00f3la, vitandi a\u00f0 \u00fe\u00fa ber\u00f0 \u00e1byrg\u00f0 \u00e1 \u00f6llum l\u00f6gfr\u00e6\u00f0ikostna\u00f0i vi\u00f0 a\u00f0 h\u00f6f\u00f0a m\u00e1l gegn b\u00edlatryggingaf\u00e9laginu \u00ed \u00de\u00fdskalandi.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Algengar spurningar um b\u00edlatryggingar \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1690684497932\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Er h\u00e6gt a\u00f0 breyta b\u00edlatryggingunni minni \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Ef \u00fe\u00fa vilt breyta b\u00edlatryggingunni \u00feinni ver\u00f0ur \u00fe\u00fa a\u00f0 segja upp tryggingunni t\u00edmanlega \u00e1\u00f0ur en einn m\u00e1nu\u00f0ur er li\u00f0inn fr\u00e1 \u00fev\u00ed tryggingin rann \u00fat.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1690684506431\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hver er \u00f3d\u00fdrasta b\u00edlatryggingin \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u00d3d\u00fdrasta b\u00edlatryggingin \u00ed \u00de\u00fdskalandi er s\u00fa sem n\u00e6r \u00fe\u00fasund evrum \u00e1 \u00e1ri, \u00fear sem n\u00fdir borgarar grei\u00f0a h\u00e6rri tryggingagj\u00f6ld en a\u00f0rir \u00f6kumenn.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<!-- europedia-eeat-intent-v1 -->\n<section class=\"europedia-eeat-intent\" data-eeat-section=\"germany\" data-eeat-intent=\"study\">\n<h2>Stutt svar samkv\u00e6mt ranns\u00f3knar\u00e1setningi<\/h2>\n<p>B\u00edlatryggingar \u00ed \u00de\u00fdskalandi eru eitt af grundvallar- og skylduatri\u00f0um sem allir \u00ed landinu ver\u00f0a a\u00f0 fylgja. \u00cd stuttu m\u00e1li: byrja\u00f0u \u00e1 innt\u00f6kuskilyr\u00f0um, tungum\u00e1li og fj\u00e1rm\u00f6gnun, og athuga\u00f0u s\u00ed\u00f0an uppl\u00fdsingar um h\u00e1sk\u00f3lann e\u00f0a n\u00e1mi\u00f0 \u00e1\u00f0ur en \u00fe\u00fa skipuleggur fer\u00f0al\u00f6g e\u00f0a grei\u00f0ir gj\u00f6ld.<\/p>\n\n<h2>Hverjir nj\u00f3ta g\u00f3\u00f0s af \u00feessum lei\u00f0arv\u00edsi?<\/h2>\n<p>\u00deetta efni er \u00e6tla\u00f0 arab\u00edskum nemendum og \u00feeim sem hyggjast stunda n\u00e1m e\u00f0a \u00fej\u00e1lfun \u00ed \u00de\u00fdskalandi. \u00deess vegna hafa veri\u00f0 b\u00e6tt vi\u00f0 eftirlitsst\u00f6\u00f0vum sem hj\u00e1lpa \u00fe\u00e9r a\u00f0 breyta uppl\u00fdsingum \u00ed hagn\u00fdta \u00e1kv\u00f6r\u00f0un \u00e1 sama t\u00edma og minnka \u00e1h\u00e6ttu \u00e1 a\u00f0 treysta \u00e1 almennar e\u00f0a \u00fareltar uppl\u00fdsingar.<\/p>\n\n<h2>\u00c1\u00f0ur en \u00fe\u00fa treystir \u00e1 uppl\u00fdsingarnar<\/h2>\n<ul>\n<li>Ber\u00f0u saman innt\u00f6kuskilyr\u00f0in \u00ed ritger\u00f0inni vi\u00f0 h\u00e1sk\u00f3las\u00ed\u00f0una e\u00f0a DAAD, \u00fear sem kr\u00f6furnar eru mismunandi eftir n\u00e1mi og r\u00edki.<\/li><li>Sj\u00e1\u00f0u raunverulegan kostna\u00f0: \u00d6nnargj\u00f6ld, sj\u00fakratryggingar, h\u00fasn\u00e6\u00f0i og \u00fatreikning \u00e1 fj\u00e1rm\u00f6gnun, ef vi\u00f0 \u00e1.<\/li><li>Haltu ums\u00f3knardagsetningum og nau\u00f0synlegum skj\u00f6lum \u00e1 einum lista svo \u00fe\u00fa missir ekki af mikilv\u00e6gum fundi.<\/li>\n<\/ul>\n\n<h2>Opinberar heimildir og \u00e1rei\u00f0anlegar heimildir<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.daad.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">PABBI<\/a><\/li><li><a href=\"https:\/\/www.study-in-germany.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">N\u00e1m \u00ed \u00de\u00fdskalandi<\/a><\/li><li><a href=\"https:\/\/www.make-it-in-germany.com\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">Ger\u00f0u \u00fea\u00f0 \u00ed \u00de\u00fdskalandi<\/a><\/li>\n<\/ul>\n\n<h2>Algengar spurningar<\/h2>\n<h3>Eru sm\u00e1atri\u00f0in mismunandi eftir \u00fe\u00fdskum r\u00edkjum?<\/h3>\n<p>J\u00e1, \u00ed greinum eins og n\u00e1mi, vinnu, h\u00fasn\u00e6\u00f0i og sta\u00f0bundnum \u00fej\u00f3nustum geta uppl\u00fdsingar veri\u00f0 mismunandi eftir r\u00edkjum e\u00f0a borgum, svo \u00fe\u00fa \u00e6ttir a\u00f0 r\u00e1\u00f0f\u00e6ra \u00feig vi\u00f0 \u00feann a\u00f0ila sem ber \u00e1byrg\u00f0 \u00e1 \u00e1fangasta\u00f0num.<\/p>\n<h3>Kemur \u00feessi grein \u00ed sta\u00f0 opinberu heimildarinnar?<\/h3>\n<p>Nei. Greinin \u00fatsk\u00fdrir myndina og safnar saman mikilv\u00e6gum athugunarst\u00f6\u00f0vum, en kemur ekki \u00ed sta\u00f0 opinberra vefs\u00ed\u00f0na e\u00f0a s\u00e9rfr\u00e6\u00f0ir\u00e1\u00f0gjafar \u00feegar beinar lagalegar e\u00f0a fj\u00e1rhagslegar aflei\u00f0ingar eru til sta\u00f0ar.<\/p>\n<p><strong>Ritstj\u00f3rnarathugasemd:<\/strong> \u00deetta efni var breytt 11. j\u00fal\u00ed 2026 til a\u00f0 b\u00e6ta sk\u00fdrara vi\u00f0 \u00e1formum rannsakanda, opinberum heimildum og hagn\u00fdtum vi\u00f0mi\u00f0um sem auka traust og s\u00e9rfr\u00e6\u00f0i\u00feekkingu.<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>\u00cdhuga\u00f0 B\u00edlatryggingar \u00ed \u00de\u00fdskalandi \u00deetta er eitt af grundvallaratri\u00f0um og skyldureglum sem allir \u00ed landinu ver\u00f0a a\u00f0 fylgja. \u00deetta er \u00ed \u00feeim tilgangi a\u00f0 tryggja b\u00edla \u00e1 almenningsvegum samkv\u00e6mt l\u00f6gum, \u00fear sem tryggingin n\u00e6r yfir fullan ska\u00f0a sem slys geta valdi\u00f0. Au\u00f0vita\u00f0 eru m\u00f6rg mismunandi tryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi sem setja mismunandi skilyr\u00f0i auk margra tegunda &hellip;<\/p>\n","protected":false},"author":1,"featured_media":2562,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[599],"tags":[],"class_list":["post-24103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thyskaland"],"_links":{"self":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/comments?post=24103"}],"version-history":[{"count":1,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24103\/revisions"}],"predecessor-version":[{"id":28181,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24103\/revisions\/28181"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/media\/2562"}],"wp:attachment":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/media?parent=24103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/categories?post=24103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/tags?post=24103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}