Help with insurance

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 (direct debit). If you have EHF or paper invoices, there are no restrictions.

You can contact us by phone on +47 915 04800 on weekdays 08:00–16:00. You can also write to us from the insurance pages in the corporate online bank.

Complaints or appeals against damage settlements can be sent to us via email or via regular post to the address:

Fremtind Forsikring v/Klageservice
PO box 778 Sentrum
0106 Oslo

^{If you don’t agree with our assessment of the appeal, you can escalate the case to the Norwegian Financial Services Complaints Board.}

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 haven’t paid the reminder and the insurance policy has been sent to collections, you’ll need to pay the collection fee and get in touch with one of our advisers by phone on 915 04800. The insurance policies aren’t automatically reinstated when the collection fee is paid.

Insurance agreements are renewed once a year. When the insurance policies are renewed, you’ll 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.

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.

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.

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.

Society is about to return to a normal level of activity after COVID. This will lead 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 government has made changes to regulations about work carried out by employees at home. The changes enter into force from 1 July 2022.

If you have employees who work from home, it is important that they follow these regulations.

Read more about the changes

In these cases you’ll need to fill out a form and send it to us by regular post:

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

All insurance coverages where compensation is paid to the employee must be taxed as a benefit. You’ll then receive an overview 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

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 airlines normally cancel flights to countries that close their borders due to the pandemic. If that happens, you’ll need to claim your money back from the airline yourself – your insurance doesn’t cover cancellations of flights, hotels or similar in these cases.

We do not wish to advise anyone against booking travel. At the same time we make our customers who contact us aware that they must take precautions and that the policy won’t cover cancellations due to a fear of COVID-19 – but that otherwise they’re covered as normal on the trip.

In that case we encourage everyone to closely observe local restrictions and rules that apply to the place they’re travelling to. So we recommend conducting a thorough assessment before you book a trip.

As our insurance customer, you’re covered for events that occur during your trip, but it’s still important to be aware that it can be difficult for us to help, bearing in mind low hospital capacity and other restrictions that the pandemic imposes.