If you are one of the almost 90,000 you have come to a new studio, congratulations!

When you start your studies, the trade union will surely turn over you with good offers on student insurance. Perhaps the first time you have to buy insurance and in addition to the fact that many people struggle a little with insurance terms like self-risk and indbosum, there are also some hidden traps that you may just be aware of.

Pay attention to fees

Fee is the amount that is sometimes added above your price to cover the company's expenses for a benefit. The insurance industry is generally bad at having many and high fees. There are typically high notice fees of over $ 500 if you terminate the insurance within the first year. There are also high payment fees, especially if you want monthly payment, which is a necessity for many young people. Check the website to see what fees there are.

Check the self-esteem of electronics

Self-risk is the price you should pay for an injury. If something costs 1000 kr. And you have a self-esteem of 500 kr., You will have to pay the "deftigste" 500 kr. The rest will clear the insurance company. There is typically a "special" self-esteem on electronics of about 1,100 kr, and you often have to look for a bit (search for electronics in the insurance terms) to find it. It is a gangster's higher self-esteem on electronics, because that is where young people most often need their insurance. 1,100 kr is so high that you may not get paid if you, for example, smash the screen on your phone, even if that's why you bought the insurance at first!

Student insurance rates may be cheating

Trade unions often have very good prices on their student insurance. You pay attention to the fact that often there is also to be paid for membership of the trade union. If you use the trade union for other things, it's perfect, but if you do not, you should count the quota in the price of your insurance. Finally, the cheap price disappears when you have finished reading, and often the insurance becomes very expensive.

Lack of flexibility

Your life can change quickly, but your insurance may not. Most insurance policies are not so flexible, so you have to think about what changes may occur during your study period and whether the insurance can be adjusted on a regular basis. It may be if you are going to exchange, if you leave a break from the study counters if you are moving home.

Low ease of use

It's super delicious if you find a cheap insurance. You just have to remember that the price is relative to whether you are using the insurance when you need it. Due to ease of use and lack of digitization, it can be very difficult to report damage to many insurance companies. We know from surveys that many end up, not getting notified, for example, the stolen bike or purse. Remember, it does not matter how cheap the insurance is: If you do not use it, money is out of the window.

Now you know what to watch out for when buying insurance. Then there's nothing else to do than throw in it. Good luck with the study and whenh yes ...

God is rusty!

The article was written by Sophie Grønbæk, CEO of Undo.