What insurance do you need – right now?
The insurance you need depends on your life situation. Here is a simple overview of which insurance policies are most important in different phases of life.
Some insurance policies are smart to have early in adulthood. Others only become really important when you buy a home, have higher expenses or have a family. Here is a simple guide to the insurances that may be relevant in different situations - and who they are best suited for.
A unique insurance agreement for NITO members
As a NITO member, you have access to a unique insurance agreement with Tryg, at a price that is significantly lower than if you were to buy the insurance as unorganised.
What you get:
- Insurance policies with favourable terms and good coverage
- 30% discount on all insurance policies at Tryg
- Flexible solutions adapted to different needs
- Access to skilled insurance agents at NITO, and prioritized customer service at Tryg
1. Insurance for young people who are newly established
Maybe you are new to working life, or living on your own for the first time? Then it is easy to think that insurance is something you can take later. But right now, you're building your life—with the things you own, the experiences you collect, and the plans you have for the future.
Insurance you should prioritize right now:
Innboforsikring
Du har ofte mer verdier enn du tror – fra klær og møbler til elektronikk. En innboforsikring gir deg en økonomisk sikkerhet hvis uhellet er ute. Innboforsikring er derfor en av de første forsikringene du bør skaffe deg når du flytter for deg selv.
NITO Innboforsikring har Trygs beste vilkår og dekninger, til en fast lav pris det er vanskelig å finne andre steder.
Reiseforsikring
Reiseforsikring dekker deg økonomisk hvis noe skulle skje på reise. Har du en helårs reiseforsikring, er du også dekket på vei til og fra butikken eller studiestedet, noe som gir en stor trygghet – også i hverdagen.
Med NITO reiseforsikring får du en av markedets beste reiseforsikringer – til en pris som er vanskelig å finne andre steder. Den dekker deg hele året, fra lengre reiser på inntil 90 dager – til kortere turer i hverdagen, som til og fra butikken, trening eller venner.
Uføreforsikring
Hva skjer hvis du plutselig ikke kan jobbe som planlagt? En uføreforsikring sikrer deg inntekt hvis du skulle være uheldig å bli arbeidsufør på grunn av sykdom eller skade.
Ulykkesforsikring
En aktiv hverdag er bra, men små og store ulykker kan skje når du minst venter det. En ulykkesforsikring gir deg økonomisk støtte hvis du skulle bli skadet. Det kan gjøre veien tilbake til hverdagen enklere.
2. Insurance for those who are established
Have you bought a home, have a permanent job, or started building a life with someone? This is an exciting time, but also a phase where you will have more responsibility and more to take care of.
Suddenly, it's not just about you anymore, but about finances, home and the security of what you're building. What happens if something unforeseen happens to your home, car – or your income? With the right insurance policies in place, you can focus on the future, without worrying about what could go wrong.
The insurance policies you should consider in this phase:
Travel insurance
Travel insurance provides you with help and coverage if you get sick, lose luggage or experience theft. It gives you the freedom to travel without worries.
With NITO travel insurance, you are covered all year round, at a fixed low price. It covers you on everything from longer trips of up to 90 days, to shorter trips in everyday life - such as to and from work, training or the store.
Home contents insurance and house insurance
If you have bought a home, house insurance is one of the most important insurances you can have. Home insurance protects you from damage that can be very expensive to repair, and gives you peace of mind about what is often your biggest investment.
Read more about and buy NITO Home Insurance
When you establish yourself, your values also grow – often more than you realize. Home contents insurance covers your belongings in the event of, for example, fire, water damage or burglary. It gives you an important financial security in everyday life.
NITO Home Contents Insurance is NITO's best-selling member insurance. It has Tryg's best terms and coverage, at a fixed low price that is difficult to find elsewhere.
Car Insurance Policy
If you own a car, insurance is both required by law and absolutely necessary, and with the right coverage, you avoid major financial consequences.
As a NITO member, you can get tailor-made car insurance from Tryg, with a 70 percent initial bonus. The insurance offers several unique benefits that protect both yourself, your family and the car.
Disability insurance
Disability insurance ensures you income if you are unfortunate enough to become incapacitated due to illness or injury. This insurance is cheapest when you are still young and healthy.
Accident insurance
An accident can just as well happen on a mountain hike as on the way to work or school. With accident insurance, you have an extra safety net if something suddenly happens.
With NITO Accident Insurance, you can receive compensation for expenses for medical treatment and for permanent medical disability.
Life insurance and disability insurance
Life insurance provides the family with financial support if you pass away, and ensures that they can continue their everyday life. Disability insurance provides financial support if you are unable to work as a result of illness or injury, and provides stability if life takes an unexpected turn.
NITO personal insurance gives you and your family financial security and ensures that your lifestyle does not have to be changed in an already challenging situation.
Pet Insurance
Dog insurance
If you have a dog, dog insurance is an important security if it gets sick or injured. Veterinary expenses can quickly add up, and a good insurance policy gives you financial predictability in your everyday life.
As a NITO member, you can buy dog insurance from Tryg with good terms and a member discount.
Read more and buy dog insurance
Cat insurance
If you have a cat, cat insurance is an important security if it gets sick or injured. Veterinary expenses can quickly add up, and a good insurance policy gives you financial predictability in your everyday life.
As a NITO member, you can buy cat insurance from Tryg with good terms and a member discount.
Read more and buy cat insurance
3. Insurance for those who have a partner and/or children
When you have a partner and/or children, insurance is not just about belongings – but about the security of the whole family. What happens if something unforeseen happens to you, your loved ones, or their home? With the right insurance, you can create a safe environment around those you love most - no matter what life brings.
Insurance you should consider in this phase
Livsforsikring og uføreforsikring
Livsforsikring gir familien økonomisk støtte dersom du skulle falle fra, og sikrer at de kan opprettholde hverdagen videre. En uføreforsikring gir økonomisk støtte dersom du ikke kan jobbe som følge av sykdom eller skade, og gir stabilitet om livet tar en uventet retning.
NITO personforsikring gir deg og familien en økonomisk trygghet og sikrer at livsstilen ikke må endres i en allerede utfordrende situasjon.
Reiseforsikring
Reiser med familien skaper minner for livet – men også større ansvar. Reiseforsikring dekker hele familien ved sykdom, ulykker eller uhell på tur. Da kan dere reise trygt sammen. Har du i tillegg en helårs reiseforsikring, som NITO Reiseforsikring, er dere også dekket i hverdagen.
Innboforsikring og husforsikring
Et hjem fullt av liv betyr også mange verdier. Innboforsikring dekker eiendelene deres ved skader som brann, vann eller tyveri. Husforsikring beskytter boligen mot skader som kan få store økonomiske konsekvenser.
Les mer om og kjøp NITO Innboforsikring
Les mer om og kjøp NITO Husforsikring hos Tryg
Er du hytteeier? Da bør du også ha innboforsikring for fritidsbolig.
Barneforsikring
Det viktigste du har, fortjener den beste beskyttelsen. Barneforsikring gir økonomisk støtte dersom barnet blir alvorlig sykt eller skadet.
Med barneforsikring gjennom NITO og Tryg, får barnet ditt en trygg start på livet. Forsikringen gjelder fra barnet er 1 måned gammelt.
Ulykkesforsikring for hele familien
En ulykke kan like godt skje på fjelltur som på vei til jobb eller skole. Med ulykkesforsikring har du et ekstra sikkerhetsnett om noe plutselig skulle skje.
Med NITO Utvidet Ulykkesforsikring kan du og familien din få økonomisk trygghet i kjølvannet av en ulykke.
Les mer og kjøp NITO Utvidet Ulykkesforsikring
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.
