We simplify and make insurance tangible for both consumers and organizations

About Us

Insurance Simplified is a company that wants simplify and make insurance tangible for both consumers and organizations. The company is permeated by entrepreneurship and deep knowledge in digital development and insurance.

Property and Casualty Insurance isn’t something that a consumer or organizations can experience through touch or sight. It is complex because it is described in a language, more or less, serving the Insurance company and at its best customers or organizations are primarily limited to comparing a series of legal “if/then” statements printed on 26 pages of papers in font size 6.

Furthermore, since you can’t interact with your policies, they typically don’t show them off or brag about their coverage limits with their friends or family members. Insurance is intangible and complex to understand

Insurers are not neutral and very often the customer or organizations cannot to the point understand what they are protected against. Even worse when the customer files a claims request you will be extremely surprised to find out that what you thought was your protection actually is not included and policies are not identical to one another.

Insurance Simplified solve it by helping the customer chose the right protection through innovative intelligent digital advisory engine, DrJones® , that analyses each person’s unique life situation and recommends the optimal insurance coverage considering terms, conditions and price.

Legal information

The Insurance Simplified company activities are regulated by legislation which includes the insurance intermediaries act (2005:405) and the insurance mediation act (FFFS 2005:11).

On account our activities are subject to permit, and to fulfilment of a number of requirements that apply to Insurance Simplified as a company, as well as to individual employees. For examples, all mediators of insurance must have a broad insurance expertise, possess relevant knowledge in law and economics, as well as practical experience. All advisors at Insurance Simplified have undergone adequate training and have the required experience.

Registration

The permit-holding brokers at Insurance Simplified Europa AB are:

Christer Braaf
Patrik Kähäri

In order to pursue insurance mediation activities, the insurance broker must be registered with the Swedish Companies Registration Office.

Insurance Simplified is registered with the Swedish Companies Registration Office for the provision of general insurance, both direct and indirect insurance.

To check registration, please contact:

Swedish Companies Registration Office.
Address: 851 81 Sundsvall, Sweden
Phone: 0771-670 670 Fax: 060-12 98 40
Email: bolagsverket@bolagsverket.se
Web: http://www.bolagsverket.se

Supervision

Insurance Simplified is under the supervision of the Swedish Financial Supervisory Authority (FI), the authority that oversees the companies in the financial market.

To check permits, please contact:

Swedish Financial Supervisory Authority.
Address: Box 7821, 103 97 Stockholm
Phone: 08-787 80 00 Fax: 08-24 13 35
E-mail: finansinspektionen@fi.se
Web: http://www.fi.se
Check online at: Företagsregistret

Complaints

If for any reason you are not satisfied with a service provided by us, you must contact us as soon as possible.

If you have a complaint, you should in the first instance contact the member of staff at Insurance Simplified with whom you had contact regarding the matter to which the complaint refers. If you are still dissatisfied after this, you can proceed by writing to the complaints manager at Insurance Simplified.

When you submit a written complaint, you should attach copies of relevant documents. It is useful to indicate which employees at Insurance Simplified you had contact with in this matter, and when the contact occurred.

If the complaint is considered to be a simple error or misunderstanding, this will be resolved as soon as possible. If we are unable to respond to your case within 14 days of receiving the complaint, you will be given written information to this effect, and details about the future course of your case.

It is Insurance Simplified’s goal that each complaint will be dealt with quickly, efficiently and in a caring way.

Where to send your complaints:
Insurance Simplified Europa AB
Att: Klagomålsansvarig
Box 11247, 100 61 Stockholm, Sweden
E-mail: klagomalsansvarig@insurancesimplified.se

If you are not satisfied after you complained in writing and received your item dealt with, you can turn to the National Board for Consumer Complaints. You can also get free help from instances Consumers Insurance Bureau and consumer guidance in your community.

National Board for Consumer Disputes
Phone: +46 (0)8-555 017 00
Web: http://www.arn.se
Consumers Insurance Bureau
Phone: +46(0)200-22 58 00
Web: www.bankforsakring.konsumenternas.se

Consumer guidance in your community
Phone: Contact your municipality
Web: www.konsumentverket.se

Dispute

If you are not satisfied after making a written complaint and having your case dealt with, you can apply to the National Board for Consumer Disputes

National Board for Consumer Disputes
Phone: +46 (0)8-555 017 00
Web: http://www.arn.se

If a dispute arises between you and Insurance Simplified it is possible to have it brought before a civil court. As Insurance Simplified is registered in Stockholm, you go to the Stockholm District Court initially.

Address: Box 8307, 104 20 Stockholm
Phone: +46 (0)8-561 650 00
E-mail: stockholms.tingsratt@dom.se
Web: www.stockholmstingsratt.se

Privacy Policy for the DrJones app

Insurance Simplified built the DrJones app as a Commercial app. This SERVICE is provided by Insurance Simplified and is intended for use as is.

This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at DrJones unless otherwise defined in this Privacy Policy.

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request is will be retained by us and used as described in this privacy policy.

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

 

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device’s internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

We may employ third-party companies and individuals due to the following reasons:

  • To facilitate our Service;
  • To provide the Service on our behalf;
  • To perform Service-related services; or
  • To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.