Contents insurance for holiday homes
NITO Home Contents Insurance Holiday Home
NITO Home Contents Insurance Holiday Home offers Tryg's most comprehensive terms and conditions, as well as the same high-quality coverage as NITO Home Contents Insurance.
NITO TRYG kollektiv forsikring
NITO Contents Insurance for Holiday Homes covers, among other things:
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Five hours of private civil legal assistance
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Damage resulting from accidental breakage, both inside and outside the home, throughout the Nordic region
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Theft of a locked bicycle, with coverage of up to 50,000 NOK per bicycle
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Repair of a broken mobile phone screen, subject to a deductible of only 500 NOK
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Pest control relating to harmful insects, mice, and rats, with coverage of up to 150,000 NOK
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Cabins and holiday homes throughout the Nordic region
To be able to buy this insurance, you must be a member.
Unique insurance for NITO members
NITO Home Contents Insurance Holiday Home is valid throughout the Nordic region. It is offered on Tryg’s most comprehensive terms and with extensive coverage at a fixed price. The policy covers fire, water damage, theft, accidental damage, and mishaps, while also providing strong coverage for, among other things, bicycles, drones, and broken mobile phone screens.
You must become a member or log in to see insurance terms and detailed descriptions of coverages.
Your price
NITO member:
98.-/month
Sum insured: DKK 1,000,000
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.
Frequently asked questions
Hvorfor er det egne dekninger for sameiet bolig?
Certain forms of coverage apply specifically to condominium housing because, under a shared building insurance arrangement, the individual policyholder is not free to determine the deductible. The term condominium housing refers to a dwelling that, together with other residential units, forms part of a condominium association covered by a common building insurance policy.
Gjelder forsikringen ved midlertidig lagring av innbo?
The insurance applies throughout the Nordic region to items that are temporarily removed from the insured location, including stored household contents. This also applies to items offered for sale or transferred to a new residence.
Stored household contents are covered when they are temporarily located in a building, in a container situated within a fenced and secured storage area, or in a storage room outside the insured location.
Hva omfattes av innboforsikring for fritidsbolig og hva omfattes av hytteforsikring?
As a general rule, contents insurance covers household contents and movable personal property—that is, items that would become detached or fall if the house were turned upside down. Holiday home or building insurance, by contrast, covers damage to the building structure itself, including integrated white goods, window panes, and sanitary ware.
If the holiday home is an apartment within a housing cooperative or condominium association, integrated white goods, window panes, and sanitary ware will nevertheless be covered under NITO Contents Insurance for Holiday Homes. This is because the building insurance in such cases is not an individual policy, but rather a policy purchased by the housing cooperative or condominium association.
The same principle applies to legal expenses cover under contents insurance. Legal expenses cover under contents insurance applies when the insured is a party to a dispute relating to the apartment. If the holiday home is a cabin, such a dispute will instead be covered under the holiday home or building insurance policy.
Vi har en liten båt liggende på fritidsboligen, er den dekket under NITO Innboforsikring Fritidsbolig?
A recreational boat of up to 15 feet in length, together with a boat motor of up to 10 horsepower, is covered for a total amount of up to 20,000 NOK.
This coverage applies in the event of fire or theft from the insured location.
Vi har alle skiene våre stående på fjellet. Er disse dekket av forsikringen og hvordan må de eventuelt oppbevares?
Ski equipment is covered by the insurance. When the cabin is unoccupied, such items should be stored in a locked building at the insured location, in which case any loss resulting from burglary will be covered in full.
Hvor gjelder forsikringen?
The insurance may be purchased for the member’s holiday home located within the Nordic region, at the address registered with NITO.
The insurance does not apply to commuter accommodation, rental property, an additional dwelling used by children during their studies, caravans, motorhomes, boats, or holiday apartments located abroad.
The insurance also applies during relocation, covering both the former and the new address throughout the entire moving period.
Gjelder innboforsikringen for fritidsbolig ved flytting?
In the event of relocation within the Nordic region, the insurance covers theft of and damage to property at both the former and the new address throughout the entire moving period, provided that the items are properly secured and packed during the move.
- Relocation carried out by parties other than a transport company, sports club, association, or similar body is covered up to the insured sum per loss event.
- Relocation carried out by a transport company, sports club, association, or similar body is covered up to 40,000 NOK per loss event.
Jeg leier ut hele eller deler av fritidsboligen min, er dette dekket på NITO Innboforsikring Fritidsbolig?
The insurance covers financial loss arising from the rental of all or part of the dwelling at the insured location, up to 500,000 NOK. The tenant’s personal property is not covered. The following are included:
- Vandalism affecting household contents and movable property at the insured location, committed by the tenant or the tenant’s guests
- Theft and misappropriation of household contents and movable property committed by the tenant or the tenant’s guests
- Compensation for lost rental income where the tenant fails to pay rent in accordance with the lease agreement
- Expenses incurred in connection with eviction
Vi har montert boblebad/badestamp ute på hytta, hvordan er denne dekket av NITO Innboforsikring Fritidsbolig?
A hot tub that is freestanding is covered by the insurance. In most cases, however, larger hot tubs are permanently installed and connected to water and electricity; such installations are covered under the building insurance policy.
Hvordan melder jeg skade?
All claims must be reported via www.tryg.no/meld-skade or by calling 55171920 (the priority number for NITO members).
The telephone service is available Monday to Friday, from 10:00 a.m. to 2:00 p.m
