New insurance certificates on their way to you
Do you have collective insurance through NITO? Then you will soon receive an invoice and insurance certificate for 2026.
NITO is constantly keeping a close eye on what is happening in the insurance market. Insurance terms are reviewed in detail and it is looked at how insurance policies can best be tailored to your needs.
For you who are a NITO member and choose to take advantage of NITO's insurance offer, this is an extra security.
Are you properly insured? Talk to us
NITO's insurance centre can take a free review of your insurance policies and provide good advice to ensure that you are covered in the best possible way.
Extra security with NITO behind you
If you choose to use NITO's membership agreement for insurance, you can be sure that you have NITO's back if you need it. You always have access to support and assistance, whether it is about buying and changing insurance, or advice.
How are the prices of NITO's member insurances determined?
NITO's member insurances are collective insurances and can only be purchased by NITO's members. The member insurances therefore have their own accounts in the insurance company.
Separate accounts mean that the insurance premium each member pays for a member insurance is largely determined by how many claims the members have had during the year, and how large the compensation payments have been. When the premium is determined, administrative costs, claims settlement costs, changes in currency and regulation come in line with increases in G and index adjustments.