Help with insurance
Do you want to report a claim? Or change your insurance?
Many people have questions about
Damages such as theft damage, fire damage and personal traffic injury must be reported to us immediately by phone at 915 04818.
You’ll find our claims forms and more information by following the link below.
If you have any questions about the purchase of insurance, you can contact us by phone at 915 04800:
Monday–Thursday 08:00–20:00
Friday 08:00-18:00
You can also enter your contact info and we’ll call you.
This is how you do it
You can create Avtalegiro and/or eFaktura (eInvoice) while logged in to the online bank.
Log in using the link below.
Click on “Create new agreement” and use the information on your invoice.
You will find the insurance certificates logged in to the online bank.
Go to “Pensions and insurance”.
Select “Insurance certificate” in the main menu.
To make a complaint about advisory services or a claims settlement, we recommend that you log in and send us your description.
You can also send a letter to:
Fremtind Forsikring
c/o Klageservice
PO Box 778 Sentrum
106 Oslo
If you no longer need the insurance that you have with us, you can write to us from the online bank and explain why you want to terminate the insurance. We need to know the reason as this will have an influence on the notice period.
If switching insurance companies, the new company must send the termination notice on your behalf. For vehicles, separate rules apply. See car insurance further down the page.
Questions and answers
Theft, fire damage and personal injury in traffic are types of damage or injury that must immediately be reported to the police.
Yes We usually recommend using eFaktura (eInvoice), AvtaleGiro (Agreed, regular payments from your account to a specified recipient) or AvtaleGiro with eFaktura.
When you buy insurance from us, we terminate the non-life insurance at your previous company. We do not terminate personal insurance (life and disability insurance, as well as children’s insurance) for you. You need to terminate these yourself, but you should wait to do so until you have received confirmation from us that the health certificate has been approved.
Insurance agreements are renewed once a year. When the insurance policies are renewed, you’ll receive an insurance certificate with updated prices and terms and conditions. As a rule, the prices are adjusted in line with index adjustments (general price increases for goods and services), but the damage statistics for your area, age group, object type etc. can make the price change deviate from the index adjustment. If the insurance policy covers more now than previously, this will also be reflected in the price.
Household contents and house insurance
Before you move into your new home, you must have a contents insurance (and house insurance if you have bought a home).
You can buy insurance logged in to the online bank.
Go to “Pension and insurance” and “My non-life insurance”.
To terminate old insurance held at DNB you need to contact us by chat or by phone on 915 04800.
Should you have a broken pipe, close the main stop-cock and contact an emergency plumber.
Remove as much of the water as possible and move furniture and other belongings to limit the damage.
Take pictures and take notes, this will be useful when handling in the case.
Contact Fremtind on telephone number 915 04818 to report a claim.
Tip: everyone in the household should know where the stop-cock is and how it works.
Contact Fremtind on telephone 915 04818 or report the claim directly online here:
Report the matter on the police’s website.
Document the items.
Questions and answers
Alert everyone inside the house. Help each other out to the meeting point that you have agreed in advance. Check that everyone is out.
Notify the fire department on emergency number 110. Provide the exact address. You should also teach your children this. Do not hang up until you have been told that you can. The fire department will be on its way while you’re talking.
If the fire has not become too large, try extinguishing it. Do not put yourself or others in danger. Remember that the smoke is very toxic.
Contact Fremtind on telephone number 915 04818 to report a claim.
Tip: we recommend that all occupants in the building practice evacuation in the event of a fire. A fixed meeting place should be agreed.
- Contact Fremtind on telephone 915 04818
- Contact a pest control company
Invoice and payment of insurance
- Monthly
- Quarterly
- Semi-annually
- Annually
When you choose to pay monthly, the first seven monthly instalments are calculated to 30 days. The remaining five monthly instalment amounts are calculated at 31 days, and will therefore be slightly higher. Together, this represents an insurance year of 365 days.
We invoice in advance. Therefore, the first invoice after you have purchased insurance often contains a longer period than the regular monthly term.
See «From and to date» stated in the invoice specification.
“From date” which deviates from the current term means that a change has been made retroactively.
We have therefore made a settlement with effect from the same date.
If your insurance price has changed, you will receive a supplement, or deduction, based on what has previously been invoiced.
You will often receive the first invoice in the post, because this will usually be produced before the AvtaleGiro or eFaktura are registered with us.
We request you pay this and from the next instalment you’ll receive the invoice electronically.
Please get in touch with us if you still receive an invoice by post.
If you are making a payment to Fremtind Forsikring from abroad, you will need the following information:
- IBAN – number NO7290011700771
- SWIFT/BIC SHEDNO22XXX
You will find this information on the first page of the received or notified invoice. You can always find the invoice documents in your online bank.
You must have paid all outstanding debts to us and any collection agency before we can reassess your customer account.
You need to contact us for a new assessment, the insurance will not be resumed automatically.
Travel insurance
The insurance can be extended to 90, 120 or 180 days’ duration, while travel insurance associated with credit cards has an upper limit of 3 months.
Get in contact with us by chat or phone on 915 04800 before your travel.
If you or a fellow traveller has become ill, contact SOS International, which is our partner/emergency centre, on +47 22 96 50 55. They will help you find a doctor, a hospital and have access to their own medical expertise.
If you incur any other expenses related to your illness, keep hold of the receipts. These must be sent in together with the claims form to Fremtind Forsikring.
When you have had property stolen while travelling, it is important that you report the theft to the local authorities.
When you return to Norway, you’ll send us a claims form.
Make sure you get confirmation of delayed luggage at the airport, often called Property Irregularity Report (PIR).
If your luggage is delayed for more than 4 hours, you can buy the necessary clothes and toiletries during the time your luggage is missing and keep your receipts.
When you return to Norway, send us a claims form. Have receipts and confirmation (PIR) available.
Questions and answers
Make sure you cancel your trip as soon as you know you can’t travel. Ask for confirmation of cancellation from a tour organiser which also states what you might get refunded. Travel documents, cancellation confirmation and documentation of the reason for cancellation (doctor’s certificate confirming acute illness) are submitted together with the injury report form to Fremtind Forsikring.
The travel insurance doesn’t cover losses/damage/expenses directly or indirectly related to strikes and labour conflicts. As the traveller, we request you get in touch with the airline for information, changes to and rebooking of your flight.
See also The Norwegian Consumer Council’s website for what you’re entitled to in the event of a strike.
Yes, the European Health Insurance Card only gives you the right to necessary medical treatment in the EEA and Switzerland. It doesn’t cover medical treatment in other parts of the world. Neither does the European Health Insurance Card cover costs related to medical repatriation or sending for family/next of kin in the event of serious illness.
Cancellation, delay, material damage and theft of luggage are other important components that are covered by the travel insurance.
The travel insurance does not cover accidental damage to mobiles, tablets or computers, but we cover accidental damage to other travel items up to NOK 2 500.
car and vehicle insurance
Car and vehicle
Sold, wrecked or stolen vehicles:
You do not need to inform us that the vehicle insurance will expire – we will be informed of this by the Norwegian Public Roads Administration. We cannot terminate the insurance until we are notified by the Norwegian Public Roads Administration. Any overpaid insurance premium and road traffic insurance tax will automatically be refunded.
You must still contact us if:
- You have returned a leased vehicle
- When changing to a vehicle that doesn’t require liability insurance (for example unregistered vehicles, trailers etc.)
Notify medical personnel if people have been injured.
Fill out the claims form together with the counterparty.
Report to Fremtind Forsikring by sending a message from the online bank or calling 915 04818 (+47 915 04818 from abroad)
For children over 18 years:
He/she must calculate his/her own offer in the online bank or get in touch with us via chat or by telephone on 915 04800.
For children under 18 years:
People under 18 years of age are too young to sign insurance contracts. The insurance must be in the parents’ name until the person in question turns 18.
Questions and answers
You can choose between four different coverages when you buy car insurance. Most people choose Comprehensive or Fully Comprehensive which among other things also covers damage to your own car in the event of collision when you are to blame. Limited comprehensive can be an affordable option, especially when the car is older or has a low value.
Our cheapest car insurance is the statutory liability insurance. Liability insurance covers damage to others’ vehicles, property, things and people.
Compare the different car insurance coverages to find out what’s best for you.
You don’t need to make any changes to the car insurance. The companion counts as the driver of the vehicle and is liable.
Road traffic insurance tax has replaced what was previously the annual tax, also called the "road tax". The insurance companies are obliged by the government to charge motor insurance tax on vehicles that are subject to liability insurance.
A no-claims bonus is a prize for damage-free driving. For each damage-free year, you get a reduction in the price. The higher the bonus, the lower the insurance price. Maximum no claims bonus is 80%.
Enter the no claims bonus you have on your current car insurance. If you have not had car insurance before, you start with 60%.
If you have an add-on or “negative” no claims bonus on your current insurance, you must state this.
If you buy a second car, the same bonus can be given as for your existing car, up to 75% in the first year. The prerequisite for being able to offer the same starting no claims bonus is that you do not have another bonus that is lower.
When do I lose my no-claims bonus?
You will lose your no-claims bonus if you use your comprehensive insurance for repairing damage to your own car.
You will also lose your no-claims bonus if we have to pay for damage that you are responsible for, even if your own car was not damaged.
Which damage does not cause loss of no-claims bonus?
- Fire, theft, legal assistance, glass, rental car, mechanical (only for cars) and rescue damage, as well as driver/passenger accidents
- Natural damage pursuant to the law on natural damage
- Collision with animals on the road
- Compensatory comprehensive insurance on parked vehicles when the perpetrator is unknown
When does my no-claims bonus increase?
Your no-claims bonus increases once a year if you have not had any damage. The no-claims bonus increases when the policy is renewed. If you have had damage, your no-claims bonus will decrease when your policy is renewed.
For how long can I keep my earned no-claims bonus without having a car?
An unused no-claims bonus expires after 3 years.
I have driven a company car. Can I get a higher no-claims bonus?
In order to transfer a no-claims bonus from a company car to a private insurance policy, written confirmation from the employer is required. Get in contact with us by chat or phone on 915 04800.
I’ve owned a car in a foreign country. Can I get a higher no-claims bonus?
If you have driven a car in the US, Canada or a European country, you can be granted up to 50% in no-claims bonus. To have the no-claims bonus granted, there must be documentation of damage-free driving from your foreign insurance company.
When you deregister your car or vehicle, you must remember that the insurance is automatically terminated.
Even if you don’t use your vehicle, if it’s only in storage etc., accidents can still occur. For example, a fire in a garage or burglary and theft. This makes it necessary to have insurance to be covered.
It is therefore a good idea to insure the deregistered vehicle with storage insurance. With storage insurance, you are covered if a fire should occur in the garage or someone should steal your car from the storage location. Get in touch to insure your deregistered car or vehicle.
It is not legal to use deregistered vehicles. Before you put your car back on the road, you need to register it again. You will then need to insure it with a minimum of statutory liability insurance. Read more and buy insurance for your car or vehicle.
Pet insurance
Veterinary expenses are one of the main coverages you can choose when you buy pet insurance.
The insurance covers life-long veterinary expenses for the examination and treatment of sick or injured pets, as well as necessary stays at the animal hospital/clinic.
The sum insured for veterinary expenses can be up to NOK 50 000 per insurance year. The selected sum insured is stated in the insurance certificate.
Repeated veterinary visits with treatment and also expenses for medications due to the same illness or accident event are considered one and the same insurance event. Compensation for one and the same insurance event is limited to the selected sum insured.
The insurance covers the cost of prescription medicines.
Death, loss and theft is one of the main coverages you can choose when you buy pet insurance.
The insurance covers the financial loss of the animal’s dying or having to be euthanised for animal welfare considerations as a result of injury. Euthanasia for animal welfare considerations is accepted when living, regardless of use, causes suffering for the animal, and this is confirmed by a veterinary certificate.
The insurance does not cover death (euthanasia/disbursement on life level term insurance) due to disability and movement disturbances due to arthrosis, chronic or performance-related disorders. The exemption for lameness does not apply if the lameness is due to fracture, acute wound damage or torn tendon.
In the case of compensable loss for death, euthanasia or lost animals, the compensation is equal to the sum insured, but no more than it will cost to acquire a corresponding new animal of the same breed. When the animal reaches 7 years of age, the sum insured is reduced by 20% annually, a maximum of 80%. The sum insured is shown in the insurance certificate.
For horses, the insurance applies up to and including the first main maturity after the animal has reached 22 years of age. When the animal reaches the age of 15, the sum insured is reduced by 10 percentage points annually, a maximum of 70 per cent. The sum insured is shown in the insurance certificate.
In the case of compensation, a purchase contract must be presented as documentation of the compensation claim. Animals purchased abroad must be declared in Norway.
Cremation costs are covered up to NOK 2 000 for dogs and cats, but only after a compensable loss within the sum insured for veterinary expenses.
The insurance is valid until the first renewal date after the animal has reached the age of 12 years.
The insurance covers dental treatment in connection with tooth fracture/enamel damage/outer trauma or as a result of an accident.
Questions and answers
Compensation for lost animals is paid at the earliest 3 months after the loss has been reported to the company and the police, and the animal is advertised as lost. If the animal is found after compensation is paid out, the insured party can keep the animal by returning the compensation monies.
Costs for chemical or surgical castration or sterilisation are not covered, with the exception of when there is damage to the sexual organ. However, expenses/illness associated with cryptorchidism are not covered.
Caesarean section/birthing assistance is limited to once in the lifespan of the animal provided that the animal has been continuously insured in the company for at least 12 months.
For the breeds French Bulldog, English Bulldog, Boston Terrier, Chihuahua, Pomeranian or mixes that include the above breeds, no compensation is given for injuries from caesarean sections/birthing assistance.
Hip joint dysplasia, cubital dysplasia, osteochondrosis, patellar dislocation and Short Ulna or Calvé-Legg-Perthes are covered if the dog was insured with a veterinary insurance policy before the age of four months and has been continuously insured since.
For hip joint dysplasia and elbow joint dysplasia, the dog must be found free of HD/AD in an X-ray. Alternatively, both parents must be X-rayed and found HD/AD-free.
The insurance covers permanently reduced value in use as a result of injury for dogs and cats. This applies when the dog/cat is fully trained for a specific purpose, or is documented as being a breeding animal. For bitches and female cats, breeding properties will mean at least one litter born in the normal way. For male dogs and cats, the breeding properties will mean the demonstrable paternity of at least three litters. The loss of value in use must be certified by a veterinarian.
The compensation for reduced value in use is 50% of the dog/cat’s sum insured, but no more than 50% of what it will cost to acquire a corresponding new dog/cat of the same breed. The coverage is valid until the first renewal date after the animal has reached the age of 12 years.
Value of use insurance is an optional add-on. There is no value of use insurance on horses.
Costs of physiotherapy and chiropractor as a result of a compensable loss, and which are requisitioned by or carried out by a veterinarian, are covered by up to NOK 5 000.
The insurance does not give the right to reimbursement of expenses for alternative treatments, such as gold implant treatment and homeopathy, even if this is prescribed or performed by a veterinarian as part of the treatment.
Value of use insurance is an optional add-on.
Children’s insurance
The insurance can be bought for children between 2 months and 16 years of age, and expires when they turn 26.
Moving a personal insurance policy means that you must set up a new insurance and provide health information to a new company before you terminate your old insurance. When you move a personal insurance policy, the health assessment by the new company can place reservations on the insurance that you did not have in the previous insurance company. In some cases, you can also be refused 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 policyholder must fill in and sign the health certificate. If the child has turned 16 years of age, the child must also sign the insurance.
Questions and answers
An information sheet will be sent out to the child about the right to continuation insurance prior to the termination of the child insurance. The child must then contact us within 6 months, and notify that they would like to continue the coverage. An offer for insurance will then be sent.
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 all year round, at any time of the day or night.
Call the medical helpline on 21 02 55 77
Accident insurance with us gives a one-off payment if the child is declared medically disabled after an accident. It also covers treatment costs that may arise as a result of the accident. Children’s insurance is more comprehensive.
Single payment permanent disability benefit cannot be paid before the child has turned 20 years old. The child must have been at least 50 per cent incapacitated for work for 2 consecutive years. Disability benefit cannot be paid before the child has turned 19 years old. The child must have been at least 50 per cent incapacitated for work for 12 consecutive months.
life insurance
Life insurance
You can change a life insurance policy when logged in to the online bank.
Go to “Pensions and insurance” and select “My life insurance”.
In the drop-down menu to the right of the agreement, select “Other changes”.
You can also contact DNB Livsforsikring on 915 04800.
Moving a personal insurance policy means that you must set up a new insurance and provide health information to a new company before you terminate your old insurance. When you move a personal insurance policy, the health assessment by the new company can place reservations on the insurance that you did not have in the previous insurance company. In some cases, you can also be refused 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.
You can terminate a life insurance policy when logged in to the online bank
Go to “Pensions and insurance” and select “My life insurance”.
In the dropdown menu to the right of the appointment, select “Termination of agreement”.
Alternatively, you can send a signed letter to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen
Fill out the form you’ll find on this page:
Send the completed form by to:
DNB Livsforsikring AS
PO Box 7500
5020 Bergen
Questions and answers
Yes, you cannot be on sick leave or be incapacitated for work when you buy disability insurance.
In order for a cohabitant to receive a life insurance disbursement, you must appoint them as the beneficiary. We then deviate from ordinary inheritance rules in the event of a possible disbursement.
A waiver of premium means that DNB pays all or part of the premium if you become at least 50% incapacitated for work for a continuous period of 12 months. A waiver of premium is granted according to the degree of disability. This means that if you are declared 80% incapacitated for work, we’ll pay 80% of the premium.
In the event of death, you have no cover from the state or municipality. If you become incapacitated for work, you will receive disability benefits. In brief, the disability benefits are limited to 66% of your income. The income calculation is limited to 6G – National Insurance Base Amount.
See also
Contact us
Customer Services - Retail
Call us on +47 915 04800
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Book an appointment with us
You can book an appointment to get advice on loans and insurance at one of our branches.
Ask our chatbot
Our chatbot Aino is available to answer your questions 24 hours a day.
If you open a chat in the online bank and Aino doesn’t know the answer, you’ll be able to chat with an adviser during the customer service centre’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.