Help with insurance
Do you want to report a claim? Or change your insurance?
See or change your insurance policies
You’ll find an overview of your insurance by logging in to my pages in the online and mobile bank.
Among other things, there you can buy more insurance, report a claim and see the insurance certificate and terms and conditions. In the mobile bank, you can also make changes to your insurance policies, such as updating your information, adjusting your car's mileage, viewing deductibles and additional coverages, and reviewing your insurance offers.
Can’t find your insurance in the insurance list in the mobile bank? There may be several different reasons for this:
- Insurance through cards, customer programs, employers, DNB Liv or unions will not necessarily appear in the insurance list in the mobile bank.
- We cannot show insurance policies you have with others. To see these, the person who is the owner of the insurance must log in.
- If you are a corporate customer, you must log in to our corporate banking pages to see insurance policies you have through your employer.
You’ll find an overview of your insurance by logging in to my pagein the online and mobile bank. You can also download your insurance certificate there.
Can’t find your insurance in the insurance list in the mobile bank? There may be several different reasons for this:
- Insurance through cards, customer programs, employers, DNB Liv or unions will not necessarily appear in the insurance list in the mobile bank.
- We cannot show insurance policies you have with others. To see these, the person who is the owner of the insurance must log in.
- If you are a corporate customer, you need to log in to our corporate banking pages to see the insurance policies you have through your employer.
The easiest way to change or adjust your insurance is to start using the mobile bank.
In the mobile bank, you can find your insurance policies in the "Me" tab and navigate to the insurance overview, where you have complete overview. Among other things, you can find out what you have insured, find terms and conditions and coverages, buy insurance policies and view your insurance offers, check your details and what you’re paying, and make changes or report damage to your insurance policies.
You can easily change your details in the insurance list in the mobile bank, such as address, mobile number and email address.
The quickest way to terminate an insurance policy is to use the mobile bank. In the insurance overview you find in the mobile bank, you can cancel your various insurance policies yourself by going to the "Me" tab and then selecting the insurance overview. When you’ve done this, you’ll get an overview of your insurance policies and can make changes, buy a new insurance policy or end an insurance policy.
Not all insurance policies can be cancelled online, but you can always contact our customer service for assistance.
For cars and vehicles special rules are to be taken into account. Travel insurance can be terminated at the renewal date.
If you have changed insurance companies, the new insurance company must send a termination on your behalf.
It’s important to know which insurance policies you have and which ones you need. You can be double insured if you have several insurance policies that cover the same need.
Many people are double insured without being aware of it. This could be because you are covered through your family’s insurance policies, different memberships or by your employer. Therefore, it’s a good idea to review your insurance to avoid paying for coverage you may already have.
You’ll get an overview of your insurance in the mobile and online bank. You can also contact an adviser for help in consolidating the insurance you need and getting a discount on what you pay, or you can learn how to avoid becoming double insured. double-insured.
Report damage or questions about damage
The travel insurance can assist you if you need urgent help due to illness while traveling. Our emergency center is called SOS International, and it is available 24/7, every day. They will help you find a doctor and a hospital, and take care of practical matters.
You can also contact SOS International on +47 22 96 50 45
With our vehicle insurance, you can get quick roadside assistance for small and big problems you have on the road. For example, if you have a puncture, if you run out of fuel or power, have engine failure or drive off the road.
You can also call (+47) 915 04818. It’s open 24 hours a day.
If your house or cabin has fire damage or structural damage, you can report it to us immediately by phone. 915 04818.
Speak to a vet online. If you have pet insurance, a video call with a veterinarian at FirstVet is covered free of charge in case of injury or illness.
With your mobile phone on hand, you can rest assured that you will get help if something should happen, whether you are at home or travelling. FirstVet is open 24 hours a day, 7 days a week.
Non-life insurance is insurance of your assets, such as belongings and things. Examples of this include cars and vehicles, house and households, pets, valuables and travel insurance.
Insurance policies with us are provided by Fremtind. When you report a claim online, you will be directed to Fremtind's website for DNB customers.
Do you need help right away?
The medical helpline is a free service for people with children’s insurance, insurance for critical illnesses or medical treatment insurance at DNB.
Experienced nurses can answer any questions you have about your illness or health. If required, a nurse will refer you for a video consultation with a doctor. The service can be used by you, the insured party, your partner/cohabitant and children who live at home.
The service is provided by Dr.Dropin and is available year-round, 24/7.
Call the medical helpline on 21 02 55 77
Some personal insurance policies also have access to a psychologist and a crisis psychologist.
Personal insurance is insurance that gives you and your family financial security if something should happen to your health, for example, if your capacity to work is limited or in the event of death.
Would you like to talk to a healthcare professional right away?
When using the insurance in Mastercard Upgrade, report the claim as soon as possible to the provider of the insurance via telephone +47 67 55 25 00, email dnbkort@crawco.no or letter to the following address:
DNB Bank Kredittkort Claims, Crawford and Company, Postboks 133, 1300 Sandvika.
Many have travel insurance in the card or their customer programme. For example, if at least half of the cost of the trip’s transport costs was paid with your credit card, you get travel insurance included with your purchase.
Insurance policies with us are provided by Fremtind. When you report a claim online, you will therefore be directed to Fremtind’s website for DNB customers.
Do you have Mastercard Upgrade and will use this insurance?
Property insurance is coverage for assets, such as possessions and belongings. Examples of this are vehicles, buildings, tools and travel insurance.
Personal insurance is insurance that provides you and your family with financial security if something should happen to your health, for example if your ability to work is restricted or in the event of death.
Do you have insurance through your employer that you want to use? You then make the claim by using the job’s insurance.
Do you need to use your insurance? You can easily report damage to your belongings, as well as accidents and illness for you and your family, online. You can also quickly report a claim in the insurance overview you’ll find in the mobile bank.
Choose the insurance you will use
You can easily check the status of your claims online by logging in to my insurance policies in the online or mobile bank. In addition, you can see previous claims cases and open a case again at any time by uploading new attachments or sending us a message.
In the mobile bank, you can quickly find your claim cases in the insurance overview. In your browser, you can log in to Fremtind, our insurance provider, and access the same overview there.
It usually takes 1-3 working days from the matter being processed in full until you have the settlement paid out to your account.
How much money is repaid depends, among other things, on how high your deductible is, whether you have bonus benefits, the basis for compensation, any age reductions and our discount agreements with different suppliers. You will receive feedback on this from the claims settlement.
The time it takes to process a reported claim varies. Among other things, for which insurance you use and what has happened.
Of course, some events take longer to process than others, but you will usually get an answer shortly if you have collected all the necessary information and documentation when you report the case.
You will be informed when your case is processed, or if further information is needed to complete the case. You can also track the status of the claim in the mobile bank or online by logging in to Fremtind, which is our insurance provider.
The travel insurance can help you if you need urgent help in connection with illness during travel. Our emergency response center is called SOS International, and it is available 24/7, every day of the year. They will help you find a doctor and a hospital, and take care of practical matters.
You can also contact SOS International on +47 22 96 50 45
With our vehicle insurance, you can get quick roadside assistance for small and big problems you have on the road. For example, if you have a puncture, if you run out of fuel or power, have engine failure or drive off the road.
You can also call (+47) 915 04818. It’s open 24 hours a day.
If your house or cabin has fire damage or structural damage, you can report it to us immediately by calling 915 04818.
Speak to a vet online. If you have pet insurance, a video call with a veterinarian at FirstVet is covered free of charge in case of injury or illness.
With your mobile phone on hand, you can rest assured that you will get help if something should happen, whether you are at home or travelling. FirstVet is open 24 hours a day, 7 days a week.
The medical helpline is a free service for people with children’s insurance, insurance for critical illnesses or medical treatment insurance at DNB.
Experienced nurses can answer any questions you have about your illness or health. If required, a nurse will refer you for a video consultation with a doctor. The service can be used by you as the policyholder, your partner/spouse, and children living at home.
The service is provided by Dr.Dropin, and is available all year round, at any time of day or night.
Call the medical helpline on 21 02 55 77
Some personal insurance policies also have access to a psychologist and a crisis psychologist.
Use the benefits in your insurance to get immediate help.
Questions and answers in the event of a claim
When you have reported a claim, we will treat it as quickly as possible. You will receive a confirmation that we have received your claim. If we’re missing something from you, you’ll hear from us. We’ll contact you anyway as soon as we’ve looked at your case.
You can also track the status of the claim by logging in to my insurance policies in the online or mobile bank.
How to prepare before the storm arrives.
- Bring all loose belongings inside, and if that’s not possible, you should secure them.
- Bring in or secure the trampoline so that it doesn’t blow away in the storm.
- Check and reinforce the moorings. If necessary, move the boat to another place that is not so exposed.
- Check that there are no loose roof tiles. Clean the gutters of leaves and debris. If the house has a flat roof, all drains must be open.
- Close all windows – both in basements and on the roof. Look for ways to direct surface water away from the buildings.
- Think about where you park your car and where the caravan is located. Keep them away from large trees etc.
- Make sure to have flashlights easily accessible in case of a power outage, and remember to have batteries. If you are completely dependent on a power supply at all times, make sure to arrange for a generator in time.
What should you do when the storm arrives?
- Stay inside.
- Follow advice from emergency authorities.
- If you MUST drive, follow the advice of the Norwegian Public Roads Administration and check the road reports (175.no).
- Follow advice and check the status from transportation operators.
- The need for preparedness should be continuously assessed by emergency responders.
- Exercise caution when travelling in a coastal area or on the sea.
- Take care of yourself – when roof tiles and building panels are flying in the wind, it's safest not to move.
What the insurance covers depends on which insurance you have and what has happened. Check the terms of your insurance for details on what the insurance covers and what it does not cover. You can find your terms and conditions, insurance certificate and product information by logging in to my insurance in the online bank and in the mobile bank.
The time it takes to process a reported claim varies. Among other things, it depends on which insurance you are using and what has happened.
Of course, some events take longer to process than others, but you will usually get an answer shortly if you have collected all the necessary information and documentation when you report the claim.
In the settlement, we will agree on payment and repair or reconstruction. Once your claim has been processed and you are to receive the settlement payment, it usually takes 2-3 business days for the money to be deposited into your account.
When you have reported a claim, we will treat it as quickly as possible. You will often be able to get an answer immediately. If you do not get an answer right away, the normal processing time is about three working days.
In periods where there are many cases at once, for example in flooding which causes major damage for many people, the processing time could be somewhat longer than usual.
Matters that are reported online, via our websites or mobile bank, are prioritised.
As a homeowner, you are obligated to take preventive measures against natural damage that is probable where you live.
How to prevent flood damage
- Make sure that drains and manholes are clear so that water can flow freely.
- Ensure that nearby streams are not blocked by garden waste, branches, or other debris.
- Clear the garden of furniture, loose materials, grills, and items that could be carried away by water.
- If there is a danger that water can get into the basement or garage, objects should be lifted up from the floor. Place items on shelves, in cabinets, or in waterproof containers, and remove valuable belongings from the basement or lower floor. Remove loose carpets and other loose floor coverings.
- Keep the doors and windows for the basement and ceiling closed. Cover with sandbags if necessary.
- Stay updated with news broadcasts and messages from local authorities. In the case of major flooding, measures may be implemented by the authorities.
- Make arrangements with neighbors or friends to take action and keep an eye on your house if you are not at home.
How to limit flood damage if you are already affected
- Water conducts electricity and can lead to short circuits and/or electric shock hazards (conductivity). Turn off the circuit breakers for the floor that has been flooded.
- The water heater and electrical system that have been submerged must not be used until the equipment has been inspected by an electrician.
- It is important that you keep the items you want to be compensated for. In many cases, the insurance company sends an appraiser or a partner to assess or repair the damage. Also, take pictures or video of the damages. These can be used to assess the compensation amount.
The deductible is the amount you need to pay yourself, when you use your insurance. How much you have to pay as a deductible depends on the type of insurance you have and the deductible you chose when you purchased the insurance. Some insurance policies also have different deductibles depending on what has happened.
As a general rule, you do not need to pay a deductible if a third party acknowledges responsibility for the damage.
You can see what deductible you have by logging in to my insurance policies in the online or mobile bank.
You can always reopen a closed case by responding to it or by uploading new documentation in your claim. You can find the claim in your insurance overview in the mobile bank and by logging in with Fremtind.
If you disagree with the claims settlement from Fremtind, you can appeal it. The complaint is made in writing, but before you write it, we recommend that you speak with the claims handler to clear up any misunderstandings or errors.
If you’re making an appeal about the claim settlement, it’s important to find out why you’re disagreeing with the decision and attach any new documentation. Appeals are normally handled within 3-14 working days. You will be notified of the expected processing time, and you will receive an answer as soon as possible.
Questions and answers about invoices and payments
You set up eFakturaand AvtaleGiro in the online and mobile bank.
When you pay a bill to someone who offers AvtaleGiro, you will be asked if you want to enter into an agreement for AvtaleGiro. Then you choose yes, and the next invoice will come as AvtaleGiro.
You can also let us create eFaktura agreements automatically by turning on the “always eFaktura” feature in the online or mobile bank.
If you need to create agreements manually, use the KID number you will find on your invoice to do this.
When you choose to pay monthly, the first seven monthly amounts are calculated to 30 days. The remaining five months of the year are calculated at 31 days. In total, this amounts to a year of 365 days. The months with fewer days will naturally have a slightly lower amount on the invoice compared to the months with more days, but the total will still add up to one year, which is 365 days.
Also, remember that you will be invoiced in advance. The first invoice after you have purchased insurance often contains a longer period than a normal month to include the remaining part of the month you bought the insurance together with the next month. This will be specified in the invoice you receive.
You can find your invoices by logging in to my insurance policies in the online and mobile bank. There you’ll get an overview of all your insurance policies and what they cost. You can also change how often you want to pay for your insurance: choose between monthly, quarterly, semi-annual or annual payment.
You can find your invoices by logging in to my insurance policies in the online and mobile bank. There you’ll get an overview of all your insurance policies and what they cost. You can also change how often you want to pay for your insurance: choose between monthly, quarterly, semi-annual or annual payment.
By logging in to my insurance policies in the online and mobile bank, you’ll get an overview of your invoices and what they contain. You can also see the status on your invoice: whether it has been paid or not.
If you find an error in your invoice from us, please contact customer services. Describe what is incorrect, whether there is an error in the amount, coverage period or other details that are incorrect.
You may receive an invoice in the mail if it was generated before AvtaleGiro or eFaktura was registered with us. Pay the invoice you receive by mail and then from the next invoice you will be able to pay digitally.
If you receive your next invoice as a letter, contact us for help.
Some vehicles you insure are used more frequently depending on the season. The price of the insurance therefore varies according to the season for these – known as seasonally varied pricing.
Among other things, this applies to motorcycles, mopeds, snowmobiles, boats and jet skis.
Should the insurance expire outside of the principal maturity date, the price is settled for the period during which the insurance has been in force. The price is calculated based on a table that you will find in the insurance agreement.
First, you must pay any outstanding debt related to the missed insurance payments. In addition, you must pay any debt collection.
When you have paid what you owe, you need to contact us. Your insurance will not be automatically resumed when they have been terminated as a result of non-payment.
The annual due date is the date the insurance agreements are renewed, and this takes place once a year. When you buy an insurance policy, the agreement usually applies for one year. The insurance is usually renewed automatically after a year, on the date of the annual due date. Remember that even if the insurance is valid for one year, you are not locked into the agreement. You can terminate, move or change the insurance along the way, for example if your insurance needs change.
You can find the date of the annual due date for your insurance by logging in to my insurance policies in the online or mobile bank. Then check the insurance period for your policies to see when the main due date is – it’s marked as “valid until.”
At the annual due date, the insurance company may adjust prices and terms, but you will receive information about this in the renewal documents.
The payment date can be changed by contacting us.
Make changes to your insurance
You’ll find an overview of your insurance by logging in to my pages in the online and mobile bank.
Among other things, there you can buy more insurance, report a claim and see the insurance certificate and terms and conditions. In the mobile bank you can also make changes to your insurance.
Can’t find your insurance in the online and mobile bank? There can be several different reasons for this:
- Insurance through cards, customer programs, employers, DNB Liv or unions will not necessarily appear in the insurance list in the mobile bank.
- We cannot show insurance policies you have with others. To see these, the person who is the owner of the insurance must log in.
You can easily adjust the annual mileage on your car or vehicle insurance yourself in the mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance policies with us and be able to make changes there.
Choose the insurance you want to adjust the milage on.
Then select ‘Change milage’. You will see different milage options to choose from. Choose the one that suits you.
When you’ve chosen a new milage, you’ll then have the option of seeing a new price on your car insurance.
Confirm the changed milage and new price.
Registered vehicles must have liability insurance. The liability insurance covers damage to other people, assets or property. Since the insurance is legally required, you cannot end the insurance yourself without any further action.
There are many situations that you don’t need to terminate the insurance yourself:
- If you sell or scrap the vehicle, we automatically terminate your insurance.
- When you deregister a vehicle that only has liability insurance, we’ll terminate the insurance for you.
- When you deregister a car with comprehensive coverage, the insurance is automatically transferred to a more affordable storage insurance. If you do not wish to do this, you can terminate your insurance policy yourself, after the deregistration, in the insurance list you find in the mobile bank or by contacting us.
- If you’ve changed your insurance company, we’ll be informed by your new company who’s moving your insurance policy for you. You do not need to do anything yourself to terminate your insurance policy with us.
If you have a leasing vehicle, you still need to contact us to terminate your insurance.
When you’re going to drive your car abroad, we recommend you bring your green card. A Green Card is an international insurance certificate that shows you have valid insurance for your vehicle.
You can easily order a green card yourself in the mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance policies with us and be able to make changes there.
Choose the insured car you want to order a green card for.
You will then be given the choice to order a green card. Select the date you want to travel, the card is valid for three months.
Receive a green card by post or email.
You can choose between four coverages when you buy car insurance: liability, limited comprehensive, comprehensive and top comprehensive. You cannot switch between these coverages yourself, after you have bought the insurance. For advice or help, please contact customer services.
The deductible is the amount you pay when you use the insurance after a claim.
For comprehensive and top comprehensive coverage, you can choose from different deductibles. Partial comprehensive insurance has a fixed deductible, while liability insurance has no deductible for what is covered by it.
In addition, there are some damage that has fixed deductible beyond what you have chosen yourself, such as roadside assistance, glass route change, theft of the charging cable or key insurance.
Higher deductibles result in lower prices for the insurance. Contact us if you want to change the deductible on your top comprehensive or comprehensive coverage.
Tips
You’ll find the deductible in the insurance list in the mobile bank. Log in, select "me" and "insurance" before the "insurance overview". You’ll find your vehicle insurance with all the information you need there.
If the vehicle is going to be driven by someone under the age of 23, we must be informed so that the insurance is valid if a damage occurs.
At practice driving you do not need to make any changes. The accompanying person is considered the driver of the vehicle.
Please contact us if you would like to change your insurance policy to cover drivers under the age of 23.
Questions and answers
Your car insurance covers the vehicle you have registered the insurance on, not a rental car you borrow while on vacation abroad.
If you have top comprehensive coverage, rental car coverage is included in case of damage to the vehicle you have insured, according to the terms and conditions.
If you have travel insurance with us, you’re covered for the deductible in the event of damage to the rental car you rent for holidays abroad. In the event of damage, it’s the rental company’s insurance that applies. Remember to check this carefully when you sign the rental agreement. The travel insurance can cover the deductible you have on the rental car if something should happen.
How roadside assistance works:
- Be safePosition the vehicle so that it does not create dangerous situations in the traffic. Use hazard lights and wear a hi-vis vest when getting out of the car to place the warning triangle on the road.
- Order roadside assistanceOrder online roadside assistance or call (+47) 915 04818. It’s open 24 hours a day.
- Save receiptsSave your receipts and documentation for any additional expenses you have incurred in connection with the car recovery.
Roadside assistance is included if you have limited comprehensive insurance, comprehensive or fully comprehensive, throughout the whole of Europe.
You can contact us in the event of any small or major problems you have along the way. For example, if you have a puncture, if you run out of fuel or power, have engine failure or drive off the road. You do not lose your no-claims bonus as a result of vehicle recovery.
The tow truck driver will try to fix your car on-site. If it’s not possible, they will transport the car to the nearest workshop we have an agreement with.
If the car needs to be taken to a workshop, you must report the damage to the vehicle as soon as possible.
You can apply for reimbursement of the cheapest transport home. Save your receipts.
Yes, you don’t need to make changes to the car insurance to use the car to practice drive. This is because it is the person accompanying you who is considered the driver of the vehicle.
Road traffic insurance tax is what was previously known as the road tax or annual fee. It is a national vehicle fee that is billed along with the price of your insurance.
If you have sold your car, the car insurance will automatically end when you, as the seller, provide a sales notice and the Norwegian Public Roads Administration registers a change of ownership of the car.
If you have experienced theft or a break-in in your car, you must do the following:
- Report it to the police: Call the police on 02800 and report the case. If you are abroad, you can report it to the local police.
- Report a claim to us: Do this before you repair any damage. If you have all the necessary documentation available when you contact us, we often manage to resolve the matter immediately.
There are many ways to damage the car. Therefore, it is important that you document the damage by noting what has happened, where it happened and when. Feel free to take pictures of the damage and the surroundings.
If there are more people involved, it’s a good idea to fill out the injury report form together. It can be crucial to clarify the responsibility. If you are involved in a car damage with another car where the other party is not present, leave your contact information or contact the owner with the help of Norwegian Public Roads Administration.
If you need roadside assistance, order it online or by calling (+47) 915 04818. It’s open 24 hours a day.
When you have all the necessary documentation, you can report a claim online for help.
Got a minor damage?
If you have a small scratch, stone chip or similar, you have as an insurance customer in DNB discount on repairs through MPS vehicle damage.
When you deregister your vehicle, your insurance will be automatically terminated if you have liability coverage. If you have comprehensive coverage,the insurance will be automatically transferred to a less expensive storage insurance. Storage insurance is a favourable insurance for vehicles that are not in use. Because even if it’s not in use, damage can occur. If you do not wish to have such an insurance policy, you can terminate your insurance policy yourself in the insurance overview you find in the mobile bank or by contacting us.
If you are going to use the vehicle again, you must register and insure it again.
When you scrap your vehicle, we are notified of this by the Norwegian Public Roads Administration. This will automatically terminate your insurance, so you don’t have to do anything about the insurance yourself.
If you hit an animal, it is important to report it to the police as soon as possible. Call the police on 02800. The police will notify the wildlife commission, which handles injured or dead animals.
Remember to secure the accident site: Turn on the warning light, position your vehicle safely to avoid dangerous situations in traffic, wear a high visibility vest and place a warning triangle.
You can mark the place and where the animal may have disappeared so that the wildlife commission can find out. You can also take a photo of the accident site, which you can share with the wildlife committee.
Remember that it is punishable not to report collisions with animals. Driving an animal is not punishable, but avoiding reporting can be punished. You also don’t get any bonus loss on your insurance as long as you report the collision to the police or wildlife committee.
Make changes to your insurance
You’ll find an overview of your insurance by logging in to my pages in the online and mobile bank.
Among other things, there you can buy more insurance, report a claim and see the insurance certificate and terms and conditions. In the mobile bank you can also make changes to your insurance.
Can’t find your insurance in the online and mobile bank? There can be several different reasons for this:
- Insurance through cards, customer programs, employers, DNB Liv or unions will not necessarily appear in the insurance list in the mobile bank.
- We cannot show insurance policies you have with others. To see these, the person who is the owner of the insurance must log in.
It’s a good idea to have your travel card easily available when you’re travelling and need to use your insurance. The travel card is proof that you have travel insurance, which can be useful if, for example, you end up in a hospital abroad.
You can get the travel card both physically and on your mobile.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance with us and be able to make changes there.
Choose your travel insurance.
You will now see your travel card. Proceed to the travel card to send it to your email or to print it out.
You can change the cover for your travel insurance to apply only to yourself or to your entire family in the mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance with us and be able to make changes there.
Choose your travel insurance.
You can now change the coverage from just applying to yourself to apply to you and your family, or vice versa.
Confirm changed coverage and new price.
You can change the cover for your travel insurance to apply only to yourself or to your entire family in the mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance with us and be able to make changes there.
Choose your travel insurance.
You can now change the number of days you need per trip.
Confirm changed coverage and new price.
In case of a flight delay, you can get free access to selected airport lounges. You’ll need to register your flight no later than two hours before your planned trip, and you’ll find the registration code in the mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance with us and be able to make changes there.
Choose your travel insurance.
See the code you use at SmartDelay+ for lounge access in case of flight delays.
Select "Register" to use your benefit with SmartDelay.
Questions and answers
Travel insurance may cover costs and cancellation of trips for pregnant individuals and their families if serious and unexpected complications related to the pregnancy occur. The coverage is valid until week 36 of the pregnancy.
However, remember that if you are flying, you should always check with the airline to see if you are allowed to travel with them. Many airlines have rules for pregnant passengers, especially in the final weeks before the due date.
Remember that you can request a pre-evaluation of your health by contacting our partner SOS International at telephone +47 22 96 50 55 between 1 p.m. and 3 p.m. or by raising a case at their websites.
The travel insurance does not cover expenses for accommodation, cancellation, transport, delays or other costs as a result of strikes. You must contact the company you made the purchase from for assistance if you are affected by a strike.
Strike in airlines
If there is a strike in the airline you are travelling with, flights may be cancelled or delayed. However, you still have a number of claims and rights you can claim against the airline. Contact the company you are travelling with and they will help you. You will also often receive a text message or information in another way that tells you what to do.
It is important that you do not cancel your trip yourself, as you are no longer entitled to a refund.
If the flight is cancelled you are entitled to food and accommodation if you need it, in addition to getting the money back or changing the itinerary to get to your destination.
If the flight is delayed more than 2 hours, you are entitled to food and accommodation if you need it. If the flight is delayed more than 5 hours, you are entitled to a refund if the delay means you cannot travel.
Did you know that with our travel insurance you can get lounge access during flight delays?
The travel insurance does not cover costs related to bankruptcy, such as cancellation of airline tickets, hotels, events or similar.
If you have booked a package holiday, you may be covered by the Travel Guarantee Fund.
You can apply for a refund if you have paid for the trip with your credit card.
Damage to a rental car is covered by the insurance policy of the rental company. It is therefore important that you check this when you need to sign the rental contract. You often have to pay a deductible in case of damage. This deductible is covered by your travel insurance. Therefore, you do not need your own deductible insurance from the rental company, in case you are asked about it. The deductible insurance you have in your travel insurance also applies in Norway.
The insurance does not cover the rental car you have as a result of your own vehicle being in a workshop, in connection with moving or home delivery of goods, as well as a year-round leased vehicle, leasing vehicle or rented vehicle via a car pool.
The travel insurance covers losses of luggage up to an unlimited overall sum. However, remember that there are specific limits for the amount covered for individual items.
To receive compensation for your luggage, the cause of the loss or damage could, for example, be due to:
- loss of or damage to check-in luggage
- theft
- robbery
- traffic accident
- fire
- natural damage
See additional limitations and reasons covered in the terms of your insurance.
If your flight is more than one hour delayed, you’ll get free access to the airport lounge or a pay-out, with our travel insurance. All you need to do is register your flight and name before you travel.
The European Health Insurance Card documents that you are entitled to cover necessary health care in another EEA country on the same terms as the country’s own citizens. If you are travelling in an EEA country or Switzerland, you should bring a European health insurance card.
The card is issued by Helfo and provides visible proof that you are entitled to medical treatment at hospitals or by doctors affiliated with the public healthcare system in the country you are in, on the same terms as the country's residents.
Remember to have travel insurance in order when you’re on the go. The healthcare services may vary from country to country, and you should not expect the same level of treatment as in Norway.
Order your health insurance card at helsenorge.no
Travel insurance does not cover expenses related to cancelled or delayed flights.
If the airline cancels your flight, you still have certain rights with the company you booked your trip with. You are entitled to a full refund for the trip or the option to rebook the trip to a time that suits you. In addition, you may be entitled to compensation for financial losses, such as paid hotels, rental cars or tickets you cannot use. All claims must be directed to airlines or travel operators.
If you lose your passport or have it stolen while you are travelling abroad, it’s important that you report this as soon as possible.
Start by reporting it to the local police. Remember to get a copy of the report or a receipt from the police. When your passport is reported lost or stolen, it’s not longer a valid travel document.
You must then contact the nearest Norwegian embassy or consulate to apply for a temporary travel document so you can travel back to Norway. The travel document is a kind of emergency passport and is also called a “laissez-passer”.
If your luggage is delayed by more than 4 hours on your outward journey, you will receive a settlement payment. You can report the claim straight away or when you get home.
What you need to do if your luggage is delayed:
Report it at the airport
- Get confirmation that your luggage has been delayed – this is called a PIR report.
- Also, keep the baggage tag you received when you checked in.
Buy what you need
- You can buy clothes and toiletries if your luggage is delayed by more than four hours on your outward journey.
- You can spend up to NOK 5000 per person.
- Remember to keep hold of your receipts.
Report claim and get compensation
Report the claim for a settlement payment. You can also call us if you need practical and immediate help.
If you become ill or injured on holidays abroad and need help, contact our 24-hour alarm centre SOS International online or calling +47 22 96 50 45.
They will help you find a doctor and a hospital, and take care of practical matters. It’s a good idea to save the number to your phone before you travel.
If you incur any other expenses related to your illness, keep hold of the receipts. These must be submitted together with the claim form.
If you are late for flights, trains or other transport for which you have already paid for, or if your departure is delayed, you can report it with your travel insurance.
If the delay entails an extra accommodation or additional travel expenses – you can get this covered.
When I arrive too late for the transport
If you are late for departure, first contact the airline, train, or bus company responsible for the delay and request a confirmation of the delay.
Also keep receipts for outlays and tickets.
Report a claim for compensation when you get home or if you need help.
When the departure is delayed
If your departure is delayed, you’ll get in touch with the transport company – they’ll often be able to help you here and then. In addition, keep receipts for any outlays, tickets and a confirmation of delayed transport.
You can report a claim when you get home from travel.
Make changes to your insurance
You can find an overview of your home, contents, and cabin insurance by logging into my pages in the online and mobile bank.
Among other things, there you can buy more insurance, report a claim and see the insurance certificate and terms and conditions. In the mobile bank you can also make changes to your insurance.
Can’t find your insurance in the online and mobile bank? There can be several different reasons for this:
- Insurance through cards, customer programs, employers, DNB Liv or unions will not necessarily appear in the insurance list in the mobile bank.
- We cannot show insurance policies you have with others. To see these, the person who is the owner of the insurance must log in.
House and cabin insurance cannot be transferred to a new address; you need to order new insurance. You can update the address on your contents insurance yourself, but if you are moving, we recommend waiting to change the address until you have moved into your new home and registered it with the National Registry. During the moving period, contents insurance covers both your new and previous home.
You can change the address registered with the home contents insurance in the mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance with us and be able to make changes there.
Select the contents insurance you want to make changes to.
You will be asked to confirm your details before you are given the chance to change your address.
You can now change the address.
Confirm changed address and new price.
House and cabin insurance is not possible to terminate yourself, but if you transfer one of these to another company, we will be notified by the company taking over the insurance. You don’t need to cancel anything yourself. The same applies if you move insurance to us.
You can terminate the home contents insurance in the mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance with us and be able to make changes there.
Select the contents insurance you wish to cancel.
You will be asked to confirm your details before you are given the opportunity to cancel the insurance.
Tell us why you want to cancel the insurance, and then cancel the insurance.
Bundle your insurance policies
It’s a good idea to have both contents and house insurance with the same company. You only pay one deductible and settlement is easier should your home be subject to damage. The same advice applies when you need to insure the cabin.
Questions and answers
Contents insurance covers your things. If you have a detached house, duplex, or townhouse, you will be reimbursed for items in the garage.
If you live in an apartment, theft and vandalism in attic and basement storage rooms are covered.
If you have a shared garage, the items you have there will not be replaced.
The sum covered may vary depending on which insurance you have. Check your terms and conditions for what applies to your insurance.
If there is not enough heat in a room or there is a cold draught, the water pipes can freeze. In the worst case, they crack. This can be avoided by keeping a bit of heat on in all rooms with water pipes, ensuring proper insulation to prevent cold drafts and chill, and shutting off the main water valve when you’re going away.
To defrost frozen pipes, you can try shutting off the main water valve and increasing the temperature in rooms with water pipes. You can also help with a hairdryer. Be careful and gentle, and keep a close watch when attempting to defrost frozen water pipes. Remember that there is a danger of fire in concentrated heating.
When the water starts to run, the pipe is thawed. Continue to let the water run for a while so that the rest of the ice in the pipe melts. Also check the pipe for leaks.
Home contents insurance covers damaged food in the freezer and refrigerator due to a sudden temperature change. If the freezer is damaged due to odor from the food, this may also be covered.
If you have a water leak and water damage, it’s important to stop the water and save your belongings as quickly as possible.
If the house or cabin gets damaged as a result of a water leak, the building itself can be covered by your house or cabin insurance. This includes roofs, walls, floors and everything that is permanently mounted, such as a woodwork, fireplace, heat pump, kitchen fittings and hot water tank.
Damage to furniture and other household items will, however, be covered by your contents insurance.
Leakage from the roof
House and cabin insurance covers damage that occurs suddenly and unforeseen. Damage that occurs gradually due to lack of maintenance is considered damage that occurs over time and is therefore not covered by the insurance. To be covered against consequential damage caused by leaking roofs, you must have top coverage.
Water leakage
If there is a leak from a water pipe, you can stop the leakage by shutting off the water with the main stop valve. If you need help from a plumber to stop the water, you should get it as quickly as possible to limit the extent of the damage. You should also try to remove as much of the water as possible and move objects away or up from the water, to limit the damage.
Document and report a claim
It is helpful to make a list of damaged items and have receipts for any expenses related to the incident available. Keep items and documentation so they can be assessed when reporting the damage.
When you report a claim, you will receive assistance, and if needed, emergency help. You’ll get practical advice through the claim process. Do not start with repairs before you have reported it to us – you will get help when you make a claim.
How long it takes to determine what happens next depends on the damage. Minor damages are usually handled more quickly than major ones. If needed, an assessor or contractor will be sent to you.
If you live in an apartment and there is damage to the building, you must inform the board and the housing association's insurance company.
If you expect a flood, you can prevent damage by
- clearing furniture, barbecues and other loose items from the garden.
- move items off the floor in the home or garage if you think water may enter there.
- close doors and windows to the basement and ceiling – use sand bags to cover, if necessary.
You can see the flood warning for the entire country on varsom.no
The first thing you need to do if you are exposed to flood is to secure the accident site. Contact the emergency services, if necessary. Move items away from or above the water, turn off the circuit breakers to minimize the risk of electricity in the water, and keep people away from buildings that could collapse.
Report claim as soon as possible after the damage is discovered. You will get help and practical advice.
In a storm, you should try to limit the extent of the damage.
- Clear the garden of furniture, barbecues and other loose items that may be taken by the storm.
- Close all windows and doors.
- Check your roof to see if there are any loose roof tiles, panels, or other items that the wind could catch.
- Exposed parts of the house and building can be covered with panels for extra protection.
Make changes to your insurance
You’ll find an overview of your insurance by logging in to my pages in the online and mobile bank.
Among other things, there you can buy more insurance, report a claim and see the insurance certificate and terms and conditions. In the mobile bank you can also make changes to your insurance.
Can’t find your insurance in the online and mobile bank? There may be several different reasons for this:
- Insurance through cards, customer programs, employers, DNB Liv or unions will not necessarily appear in the insurance list in the mobile bank.
- We cannot show insurance policies you have with others. To see these, the person who is the owner of the insurance must log in.
You can cancel personal insurance in the online and mobile bank.
Log in to the mobile banking app.
Select the "me" tab in the menu and then "Insurance".
Select "Go to insurance overview". You’ll get an overview of your insurance with us and be able to make changes there.
Select the personal insurance you want to cancel.
You will be asked to confirm your details before you are given the opportunity to cancel the insurance.
Tell us why you want to cancel the insurance, and then cancel the insurance.
Moving personal insurance means you will need to purchase new insurance and therefore provide your health information again to the new insurance company. When you transfer a personal insurance, the health assessment in the new company may lead to exclusions in the insurance that you did not have with the previous insurance company. In some cases, you can also be rejected all or part of the insurance.
If you encounter conditions/reservations or rejections, you may have the right to resume the insurance with the previous insurance company. The deadline for resuming the insurance is six months from the day you ended the insurance.
The insurance can be resumed without a new health assessment and waiting period if:
- Your insurance in the former company has been active for at least twelve months
- You have applied to move insurance with equivalent coverages
- You have received reservations, a price supplement or a rejection in the new company
- You have signed an agreement and filled out a new health declaration in the new company
- Your previous company has joined Finans Norge's industry agreement on transfers
When resuming the insurance, you must pay for the insurance back to the cancellation date. These rules do not apply to collective personal insurance and collective treatment insurance.
What is a waiting period?
Waiting period means the same as waiting time or quarantine period. For example, it can be a waiting time from the purchased insurance until its validity, or the waiting time from the event of an injury occurring until the settlement is ready and paid.
The rules for waiting periods vary from insurance to insurance, and the length of waiting periods can vary.
Personal insurance is a category of insurance intended to give you and your family financial security should something happen to your health. There are different types of personal insurance, and life insurance is a type of personal insurance that provides a payout to beneficiaries in the event of death.
Make changes to your insurance
You’ll find an overview of your insurance by logging in to my pages in the online and mobile bank.
Among other things, there you can buy more insurance, report a claim and see the insurance certificate and terms and conditions. In the mobile bank you can also make changes to your insurance.
Can’t find your insurance in the online and mobile bank? There may be several different reasons for this:
- Insurance through cards, customer programs, employers, DNB Liv or unions will not necessarily appear in the insurance list in the mobile bank.
- We cannot show insurance policies you have with others. To see these, the person who is the owner of the insurance must log in.
Questions and answers
Waiting period means the same as waiting time or quarantine period. For example, it can be a waiting time from the purchased insurance until its validity, or the waiting time from the event of an injury occurring until the settlement is ready and paid.
The rules for waiting periods vary from insurance to insurance, and the length of waiting periods can vary.
You will find the rules for waiting periods and when your insurance applies in your terms and conditions.
The deductible is what you have to pay yourself, when you use your insurance. The higher the deductible you choose when you buy the insurance, the cheaper the insurance will be.
You can choose the deductible yourself when you buy dog or cat insurance. You can find the deductible amount by logging in to the online and mobile bank and see your insurance.
When you have pet insurance with us, you get a free video consultation with a veterinarian.
An online consultation with a veterinarian works like a regular veterinary appointment, but over video. All you need is a mobile phone, tablet or PC with a camera.
When driving a car, you should place your dog in a cage or use special harnesses for car use. A loose dog can distract the driver, create traffic hazards, and pose a danger in the event of a collision.
Remember that you must not leave the dog in the car – it quickly gets very hot and can cause overheating.
If you are going to give away or sell your dog or cat, a new owner must buy their own insurance.