Help with insurance
Here you’ll find everything you need to know about non-life and personnel insurance
How to do it
You can easily report damage or injury here
Once you’ve bought one or more insurance policies, they’ll be visible in the corporate online bank.
You’ll be able to see the insurance summary, policy number and insurance certificate.
To see you invoices, we’ve created a separate insurance portal with an overview of your insurance policies and insurance documents.
Log in with your national identity number and BankID to see the company you’re connected to.
How to find an invoice in the insurance portal (1:09 mins, Norwegian)
To change your insurance policies, you can write to us from the insurance pages in the corporate online bank.
To cancel, you can write to us from the insurance pages in the corporate online bank.
Here you’ll need to explain the reason for cancellation. We need to know the reason because it affects the notice period.
Skal du bytte forsikringsselskap?
Da vil det nye selskapet sende oppsigelse på vegne av deg.
For kjøretøy gjelder egne regler.
Questions and answers
To change the payment frequency of your insurance policies you need to contact us. The due date must be between the 15th and 25th of the month if you have an AvtaleGiro. If you have EHF or paper invoices, there are no restrictions.
We are available by telephone on 915 04800 on weekdays 8.00 a.m. - 4.00 p.m. You can also write to us from the insurance pages in the corporate internet bank.
Reminders must be paid before or on the due date to avoid the insurance policy being terminated.
For example, if the company has vehicles without insurance, the company will be charged a daily fee per day/per vehicle by the Norwegian Motor Insurers' Bureau.
If you have not paid the reminder and the insurance policy has been sent to collections, you will need to pay the collection fee and get in touch with one of our advisers on telephone number 915 04800. The insurance policies are not automatically reinstated when the collection fee is paid.
Complaints or appeals against damage settlements can be sent to us via email or via regular post to the address:
Fremtind Insurance c/o Complaints ServiceBox 778 Sentrum0106 Oslo, Norway
If you don’t agree with our assessment of the appeal, you can escalate the case to the Norwegian Financial Services Complaints Board.
In partnership with Fremtind insurance, we have developed a portal for your business insurance policies.
In the insurance portal you get:
- Full insurance overview
- All your invoices
- Overview of insurance documents
Annual renewal FAQs
Insurance agreements are renewed once a year. When the insurance policies are renewed, you will receive an insurance certificate with updated prices and terms.
As a rule, the prices are adjusted upward in line with the index, but the damage statistics for your area, age group, object type and the like can make the price change deviate from the index adjustment.
If the insurance policy covers more now that previously, this will also be reflected in the price.
The price adjustments vary between 5-15 per cent for the various products and in terms of your specific company, you’ll get an overview of this in the renewal papers.
In recent years we have seen an increased number of damage claims, especially related to water and fire, and we have higher damage payouts than before. For this reason, as well as the uncommonly high price increase of materials, the necessary price adjustments have been made to handle the increased damage payouts. The renewal terms consist of indexation and general price increases.
Society is about to return to a normal level of activity after COVID. This leads to more damage claims and damage payments for repairs have increased with inflation. Based on this damage increase, we’re making adjustments to our prices. The renewal terms consist of the workshop index and general price increases.
The consumer price index is a common adjustment for all non-life insurance companies. The index takes into account inflation in society and safeguards the damage payouts.
The insurance policy is subject to indexation as follows in 2022:
- Residential and commercial property 4%
- Properties 2.1%
- Travel insurance 4.3%
- Other products aren’t indexed.
General liability insurance covers liability claims that come from an injured/damaged third party. The claim is corrected after the damage has been repaired by the injured party or their insurance company. Increases in salary costs combined with price increases of commodities mean that the claims that are paid out are increasing and will probably continue to increase. The above is reflected in the damage increase to liability and the necessary price adjustments have therefore been made to be able to handle future damage payouts.
Many people have questions about
Unable to log in?
You can then fill out the form manually.
You’ll find the form here:
Long-term illness (incapacitated for work) (PDF, Norwegian)
Occupational injury (PDF)
Leisure-time injury/group accident (PDF)
Accident (PDF)
Death (PDF)
Completed forms can be sent by regular post to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen
Long-term illness (incapacitated for work), death, accident, occupational illness or occupational injury can be reported in the corporate online bank.
How to do it:
Log in and click on ‘Personnel insurance’
Click on ‘Employees in the agreement’
Tick which employee it applies to
Click on ‘Report damage or injury’
Select the type of event and click to continue
Unable to log in?
You can then fill out the form manually.
Form:
Completed forms can be sent by regular post to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen
Add a new employee
You can add a new employee to the personnel insurance agreement via the corporate online bank.
Unable to log in?
You can then fill out the form manually.
Form:
Completed forms can be sent by regular post to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen
Offer of continuation insurance
When an employment relationship ends at the company, the employee is removed from the insurance scheme. The insurance cover ends 14 days after the employee leaves the company.
If the insurance policy at the company covered other sickness insurance and/or corporate group life and/or sick leave and/or health insurance - the employee can choose to continue these. They’ll then need to pay for these themselves.
Remove employee
You can remove an employee via the corporate online bank.
If a new employee joins or if an employee leaves, you can easily report this in the corporate online bank.
Choose what you want to do:
How to do it
You’ll find the pension and personnel insurance portal in the corporate online bank.
The portal gives an overall view of:
- insurance agreements
- Invoicing
- annual costs.
The portal is available in both English and Norwegian.
To cancel your insurance policy you can send us an email.
And we will help you through the process.
To make someone a beneficiary means entering into an agreement for the insurance sum to go to someone other than a standardised and statutory heir.
Beneficiary form (PDF, Norwegian)Open the file in a new tab
The completed form should be sent by regular post to:
DNB Livsforsikring AS PO Box 7500 5020 Bergen
Questions and answers
In these cases you’ll need to fill out a form and send it to us by regular post: Read more here:
Loss of medical certificate/license report (PDF, Norwegian)
The completed form should be sent by regular post to:
DNB Livsforsikring AS PO Box 7500 5020 Bergen
To report an event when the employee has continuation insurance, the former employee must fill out a form and send it to us by regular post:
Death related to continuation insurance (PDF, Norwegian)
Incapacity for work related to continuation insurance (PDF, Norwegian)
The completed form should be sent by regular post to:
DNB Livsforsikring AS PO Box 7500 5020 Bergen
The government has made changes to regulations about work carried out by employees at home. The changes came into force on 1 July 2022.
If you have employees who work from home, it is important that they follow these regulations.
All insurance coverages where compensation is paid to the employee must be taxed as a benefit. You will then receive a summary of the reportable amount and must register the amount on your employee’s payslip.
These insurance policies should not be reported on the employee:
- Workers’ compensation insurance
- sick pay
- sick leave
Yes, if your employee has health insurance in DNB, it’s possible for family members to take out health insurance. Establishment assumes that the family member has a Norwegian national identity number or ID number.
If your employees would like a non-binding offer for health insurance for their spouse/cohabitant and/or children, they can fill out the form below and send it by encrypted e-mail to personalforsikring@dnb.no or by email to:
DNB Livsforsikring AS PO Box 7500 5020 Bergen
Offer to employee’s family (PDF, Norwegian) (PDF)Open the file in a new tab
Insurance for your industry and start-ups
We’ve gathered information about recommended insurance solutions for businesses in your industry. Check out our industry selector and other tips for non-life and personal insurance here.
ChatGPT sa:When starting a new business, you need to decide which insurance policies to choose. Here you can read our tips on insurance for startups.
Contact us
Customer Service Business
Customer Service Business
Opening hours and telephone numbers
Chat
Our chatbot Aino will answer questions 24/7 and can help you with a lot.
If you open a chat in the online bank and Aino doesn’t know the answer, you’ll be able to continue the chat with an adviser during the corporate department’s opening hours.
Notification of unacceptable circumstances
Unacceptable circumstances include circumstances that are in breach of legal rules (laws, regulations etc.), DNB’s written ethical guidelines (Code of Conduct) or ethical norms to which there is broad adherence in society.
For customers who are deaf or hard of hearing
We are available through digital services such as chat and contact forms when you are logged in to the online bank, in addition to text message services.
If these services cannot be used, we can be contacted by telephone using Text telephone 149 (Telenor), Image interpretation service (NAV), and via our appointment booking form above.