Question 1

What does the insurance cover?

Accepted Answer

Liability covers

Car liability
Driver and passenger accidents
Legal aid

Limited comprehensive also covers

Fire damage
Theft of belongings
Theft of the car
Installed additional equipment
Glass damage
Roadside assistance
Theft of charger cable for electric car
Car keys in the event of theft

Comprehensive also covers

Damage to own car
Vandalism
Belongings
Installed additional equipment
Filling with incorrect fuel
New car in the event of total damage
Reimbursement of initial payment in the event of total destruction of leased car
Car keys in the event of theft

Optional ancillary benefits on comprehensive

Rental car for covered damage

Fully comprehensive also covers

Mechanical damage (including battery pack for electric and hybrid cars)
Extended cover for lease cars in the event of covered damage
Extended cover for belongings
Extended cover for installed additional equipment
Key insurance

Question 2

What does the insurance not cover?

Accepted Answer

Damage which is caused intentionally
Driving while intoxicated
Off-road driving in breach of rules for rural driving
Track driving
Damage incurred during rental or for business

Question 3

Are there any limits to the cover?

Accepted Answer

Limited comprehensive does not cover

Theft of belongings over NOK 10 000
Installed additional equipment over NOK 10 000

Comprehensive does not cover

Theft and damage to belongings over NOK 10 000
Damage to installed additional equipment over NOK 10 000
Rental cars beyond 15 days and NOK 350 per day
New car in the event of total destruction for cars more than 1 year old or which have been driven more than 15,000 km

Fully comprehensive doesn’t cover

Mechanical damage coverage for vehicles older than 10 years or over 250 000 driven km – which comes first
New car in the event of total destruction for cars more than 3 years old or which have been driven more than 100 000 km
Theft and damage to belongings over NOK 20 000
Damage to installed additional equipment over NOK 50 000
Rental cars beyond 45 days and NOK 500 per day
Damage to glass roof over NOK 30 000

Question 4

Where is the insurance valid?

Accepted Answer

For car in Europe, Turkiye and Israel. Legal assistance insurance is valid in the Nordic countries.

Question 5

What are my obligations?

Accepted Answer

The insurance certificate specifies which information is used as a basis. If anything is incorrect, you must inform us immediately.

Security regulations are damage prevention and damage limitation measures you must take, and you will find these in the insurance certificate.

In the event of injury you must contact us as soon as possible. If you do not comply with your obligations, the settlement payment may be reduced, fully or partly.

Question 6

Terms and conditions (in Norwegian)

Accepted Answer

Terms and conditions car insurance liability (PDF)
Terms and conditions car insurance limited comprehensive (PDF)
Terms and conditions car insurance comprehensive (PDF)
Terms and conditions car insurance fully comprehensive (PDF)
Product information car insurance IPID (PDF)

Question 7

What is a no-claims bonus and how does it work?

Accepted Answer

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 no-claims 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% with us.

If you have an add-on or “negative” no claims bonus on your current insurance, you must state this.

If you acquire a second car, the same bonus can be given as for your existing card, 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.

Loss of 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 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?

You 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.

Can I transfer my no-claims bonus from a company car to a private insurance policy?

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.

Question 8

What is excess?

Accepted Answer

Excess is the amount that, as the policyholder, you must cover after a claim. By selecting a higher excess than normal, you can reduce the price significantly. The higher the excess you choose, the lower the price.

The amount paid by the insurance company is the calculated loss minus your excess.

Question 9

Can I use my car for practice driving?

Accepted Answer

Yes, and you don’t need to make any changes to the car insurance. The companion counts as the driver of the vehicle and is liable.

Question 10

How can I terminate my car insurance?

Accepted Answer

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.)

Question 11

Can I take out insurance on the car for my child?

Accepted Answer

If your child is over 18 years old, you cannot insure the vehicle [on behalf of your child]. 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. 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.

Question 12

Which damage needs to be reported to the police?

Accepted Answer

All events that involve theft, vandalism or personal injury must be reported to the police.

Report circumstances

Question 13

I have crashed my car. What should I do?

Accepted Answer

Notify medical personnel if people have been injured. Fill out the claims form together with the counterparty.

Report it to Fremtind Forsikring online or call 915 04818 (+47 915 04818 from abroad)

Question 14

What is the cost of road traffic insurance?

Accepted Answer

Road traffic insurance tax has replaced the former annual vehicle tax. The authorities have decided that all registered vehicles with statutory liability insurance must pay this tax. The insurance companies collect the tax for the government.

Read more about road traffic insurance tax.

Question 15

What do I do if I need roadside assistance?

Accepted Answer

Roadside assistance is included if you have limited comprehensive insurance, comprehensive or fully comprehensive, throughout the whole of Europe. With fully comprehensive, you also get a courtesy car should you need it in relation to roadside assistance and repairs.

You can call us if you have any minor or major problems 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 do not lose your no-claims bonus as a result of vehicle recovery.

Stay safe Position your vehicle so 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 assistance Order roadside assistance online or call (+47) 915 04818. It’s open 24 hours a day.
Keep your receipts Keep your receipts and documentation of any additional expenses you have had related to the car recovery.
What happens next? Contact Fremtind Forsikring and they will help you with the settlement payment. They can often sort out the situation directly by telephone. Start by reporting the damage or injury.

Question 16

What do I do if I fill up with the wrong fuel?

Accepted Answer

Do not start or drive the car. It will only make the situation worse if the wrong fuel goes from the fuel tank into the fuel system.

Contact us on tel. 915 04818 and we’ll help you by ordering roadside assistance to get your vehicle to an auto repair shop.

You are covered for misfuelling under comprehensive and fully comprehensive insurance.

If you have to move the vehicle away from the petrol station straight away, please ask for help to push the car out of the way.

Question 17

How can I get hold of a claims form?

Accepted Answer

You can get a claims form for vehicles from most car dealers and petrol stations.

The claims form is used to describe the traffic accident, and does not assign blame, but allows the insurance companies to asses the situation and the issue of responsibility.

If you have had an accident or injury you can report it digitally.

Question 18

What do I do in the event of paint or glass damage to the vehicle?

Accepted Answer

If you have damage to the glass or paint you should get it fixed at the nearest approved auto repair shop. You will find a list of approved auto repair shops here. Contact the auto repair shop directly to book an appointment – they will sort out the practical insurance matters for you.

All our comprehensive insurance policies cover damage to windows. Fully comprehensive also covers damage to glass roofs.

Question 19

Lost your car key?

Accepted Answer

If your car key has been stolen, you are covered by all of our comprehensive insurance policies. If the key has been lost or broken, you are covered for this under Fully comprehensive. The car insurance covers up to NOK 8000 for a new key, programming and recoding at an authorised auto repair shop/locksmith.

Question 20

What is road traffic insurance tax?

Accepted Answer

Road traffic insurance tax for car replaces the former annual tax. All registered cars with the statutory liability insurance must pay this tax. It has been decided by the authorities that the insurance companies should collect this tax on behalf of the government.

Question 21

Do you want to order a Green card for your car holiday.

Accepted Answer

A green card is an international insurance certificate that confirms that you have valid liability insurance on your car.

Even though you can drive in large parts of Europe without a Green card, it’s still worth carrying one with you. Should you get into a traffic accident while abroad, the Green card can help make the situation a bit easier.

To order a green card, you can call customer services on 915 04800.

On the Norwegian Motor Insurers’ Bureau’s website you can see an updated list of countries that require a Green card.

Question 22

Deregistered vehicle and insurance

Accepted Answer

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 the minimum legally required liability insurance.

Car insurance

Choose between Liability, Limited comprehensive, Comprehensive and Fully comprehensive.

Do you have any questions about car insurance?

Have you had an accident or injury?