Charles Ek Mar 27, 2019:

I just want to chime in years after the fact and suggest that the focus on "insurance" is misplaced here. This sort of thing is commonly called a "deductible waiver", not insurance, and is sold as an option on a policy. If you have to satisfy a Brit (or a Brit-trained English speaker), then "excess waiver" would be appropriate, IMO. I have a hard time imagining this is actually written as separate cover(age). So saith this ex-underwriter/risk manager/broker/lawyer after years of laboring in commercial insurance. :-)

Deane Goltermann Aug 4, 2016:

There we have it... Your context is talking about 'replacement cost coverage' (here's an idea http://www.bankrate.com/finance/insurance/does-homeowners-in... + some kind of 'zero-deductible coverage' ('no-deductible'). They combine it with the (overused) Swe all encompassing 'trygghet'. I can't really put them together in a single Eng term and haven't found any simple answer either.

Some ideas to play with...

ScanTran (asker) Aug 4, 2016:

In fact, Deanne, there is actually one sentence that describes the insurance well in Swedish. Here it is. "För konsument gäller försäkringen vid s.k. maskinskada på det försäkrade objektet och ersätter det avdrag för avskrivning som görs genom försäkringshavarens hem­/villa-/fritidshusförsäkring eller motsvarande försäkring på i försäkringsbeviset angivet objekt samt den självrisk som försäkringshavaren har erlagt med anledning av sådan skada."

ScanTran (asker) Aug 4, 2016:

Sorry Deane, there is not much context to add. The term is used 3 times as described in the original entry. But, basically, the insurance covers any losses the insured party incurs as a result of his/her own home insurance company applying an excess to the claim or calculating depreciation when settling the claim for damage to the heat pump.

Sven Petersson Aug 4, 2016:

@ Deane, See http://www.nibe.se

Deane Goltermann Aug 4, 2016:

We should get the Swe sentence or paragraph as more reference here.