Help with insurance

You can create Avtalegiro and/or eFaktura (eInvoice) while logged in to the online bank.

Click on “Create new agreement” and use the information on your invoice.

You will find the insurance certificates logged in to the online bank.

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.

Before you move into your new home, you must have a contents insurance (and house insurance if you have bought a home).

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.

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 a claim

Document the items.

• 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.

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.

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.

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).

When you return to Norway, send us a claims form. Have receipts and confirmation (PIR) available.

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.

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.

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.

The insurance can be bought for children between 2 months and 16 years of age, and expires when they turn 26.

Read more about children’s insurance

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.

You can change a life insurance policy when logged in to the online bank.

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

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:

Claims form

Send the completed form by to:

DNB Livsforsikring AS
PO Box 7500
5020 Bergen