Question 1

What does home contents insurance cover?

Accepted Answer

Standard home contents covers:

Fire, lightning strikes and explosions
Water damage
Theft and damage
Theft of bicycle and children’s buggy
Liability and legal assistance
Natural damage
Public injunction
Additional costs when the home is uninhabitable after damage

Fully comprehensive home contents includes:

Combating insects (bed bugs, long-tailed silverfish and cockroaches)
Accidental damage to household contents
Accidental damage to mobile phones and tablets
Moving insurance
ID theft
Building changes for wheelchair users after an accident
Theft of personal belongings from private vehicles and leisure boats

Ancillary benefits:

Extended cover for individual items and collections
Extended cover for jewellery and gold

Question 2

What does the insurance not cover?

Accepted Answer

The insurance doesn’t cover:

Expenses for maintenance and improvements

Question 3

Are there any limits to the cover?

Accepted Answer

Individual items or collections worth over NOK 300 000
Jewellery and gold worth over NOK 300 000
Wine and spirit collections are limited to NOK 500 000
Art collections are limited to NOK 500 000
For some damage and objects, the compensation sum is limited

Question 4

Where is the insurance valid?

Accepted Answer

The insurance is valid at the insured location that is agreed and specified in the insurance certificate.

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

Contents insurance terms and conditions fully comprehensive (PDF)
Contents insurance terms and conditions standard (PDF)
Product information IPID (PDF)

Question 7

Does the contents insurance I have at home apply to my cabin as well?

Accepted Answer

You need to buy separate contents insurance for your cabin. The contents insurance you have for your home is only valid at home. You can buy the contents insurance you’ll find on this page – just enter the address of your cabin to insure it.

It’s worth combining cabin insurance and contents insurance from the same company You only pay one excess and settlement is easier should your cabin be subject to damage.

Question 8

Does contents insurance cover what I have in the garage?

Accepted Answer

If you have a detached house, a semi-detached house, or a terraced house, you will be reimbursed for the items you have in the garage. If you live in an apartment, theft from and vandalism in loft and basement storage rooms are covered.

Question 9

Are mobile phones, PCs and tablets covered with contents insurance?

Accepted Answer

Yes, the contents insurance cover both theft and damage to mobile phones, PCs and tablets. To be insured against accidental damage, you must have fully comprehensive contents insurance.

Question 10

Are bikes and electric bikes covered with contents insurance?

Accepted Answer

If your bike is stolen from outside your home, from a common room, shed, garage or anywhere else, your contents insurance applies.

Theft and vandalism of bicycles outside of the Nordic countries can be covered by the travel insurance.

If you have an especially expensive bicycle, you can consider taking out separate bicycle insurance.

Question 11

How can I get cheaper contents insurance?

Accepted Answer

To reduce the price of contents insurance, you can for example:

Increase your excess.
Combine your insurance with us to get a combination discount.
If you are under 34 years old you can get both household contents and travel insurance for the price of one with Insurance Young.

Question 12

What are household contents and belongings?

Accepted Answer

Contents and belongings are the same as items you own and use at home. Items that are permanently installed are counted as part of the building and are not covered by contents insurance.

Question 13

Do children who live away from home need their own contents insurance?

Accepted Answer

Contents insurance follows the person who owns the insurance, as well as the family and children who are registered at the same address in the national register. For example, if the child lives away from home due to studies or military service, they are still covered if the national register shows them living at home.

Question 14

What is insurance against ID theft?

Accepted Answer

Insurance against ID theft is included in fully comprehensive contents insurance. It helps you if you have been at risk of ID theft. ID theft means situations where someone else uses your ID in order to commit fraud or other criminal activity.

There are different types of ID that can be misused, such as passports, debit cards, driving licences, signatures and national identity numbers.

If you are the victim of ID theft, you can get advice on how to limit the extent of the damage and recommendations for possible measures to take. In addition, legal assistance is offered, which can be useful in disputes related to payment remarks.

Question 15

What is disability insurance?

Accepted Answer

Accidents can happen to anyone. With fully comprehensive contents insurance, fortunately you get bad luck insurance included. This covers you if you are unlucky and suffer random and sudden physical damage to your things, for example, if you should lose your mobile phone on the ski slopes.

Read the terms and conditions carefully: Not all damage can be covered, and there may be separate requirements for excess and compensation sums on some of your things. Examples of damage that is not covered include bicycles and sports equipment that are in use, damage caused by pests and things that have been left behind or forgotten.

Question 16

How can I get a discount on contents insurance?

Accepted Answer

If you group your insurance policies with us, you can get a combination discount on your non-life insurance, such as the contents insurance, for example.

Read more about how to bundle for discounts on your insurance.

Home contents insurance

What is home contents insurance?

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Have you had damage or an accident?

Price of contents insurance