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The key things you need to know about car insurance in Norway

Thinking about getting on the road in Norway but not sure where to start when it comes to car insurance? We’ve got you covered. 

The Atlantic Road in Norway.
Thinking about getting a car in Norway but have no idea where to start when it comes to insurance? Pictured is the Atlantic Road in Norway. Photo by Alexander Sinn on Unsplash

Who needs to be insured? 

Everyone who owns a car in Norway must buy third party cover when registering their vehicle. This is compulsory and will cover any damage your car may cause to other people or property in the event of an accident.

This compulsory insurance is called ansvarsforsikring. However, other policies can be combined with this basic third-party insurance.

Additionally, your insurance certificate should be kept in the car at all times. If you own a registered fee for a vehicle that is yet to be insured, you will have to pay a fee of 150 kroner for every day that the car isn’t insured.

What types of policy are there?

In addition to the compulsory third-party insurance, a few different policy types are available, depending on your needs.

The other policies available are reduced damages insurance, which covers fire, theft, damage to the glass and roadside assistance cover for your car, in addition to the basic liability insurance. This is called delkasko. 

Then there is comprehensive motor insurance which covers damage to your own car in connection with a collision as well as the possibility of a courtesy car if needed. This is referred to as kasko and includes everything covered in delkasko insurance too. If you have taken out a loan to purchase the vehicle, then banks and lenders will typically require motorists to have this coverage on their car. 

For those looking for the most complete coverage available, there is super-comprehensive or superkasko insurance, which will cover mechanical damage depending on the age and mileage of the car.

How much does insurance cost? 

Several factors such as where you live or the type of car you drive will affect the overall price, as well as your driving history and policy type. For example, if you own an expensive car and live in the city, where more accidents happen, your insurance will probably be higher than if you own a cheap car and live in a rural area.

More comprehensive policies are also more expensive than basic cover for obvious reasons. Other factors influencing the price are how often you plan on using the car. Age is also a factor, with insurance costing considerably more for people under 24 and those aged over 70 more.

Still, it is estimated that the average cost of insuring a car in Norway is around 15,000 kroner annually, although what you pay can fluctuate greatly.

How to get the best deal

There are a few tips and tricks you can employ to get the best deal. Firstly, there is the tried and tested method of using a comparison site to shop around. Tjenestetorget and Forsikringer.no are two of the most popular sites for comparing quotes in Norway.

If you have recently moved to Norway and have a no-claims bonus in the country you have come from, it is possible to try and get this carried over to your new insurer. To do this, you will need a letter outlining how many years you have been insured without claiming from your old provider.

For those with a mortgage or loan, banks will typically offer competitive insurance deals to those who are already customers with them. Therefore, it may be worth taking out all your insurance and banking needs with one provider for the best overall deal. 

Another way of securing cheaper car insurance overall is paying a larger excess. The excess is what you pay towards repairs or to make a claim. Paying a higher excess can help secure a cheaper insurance policy overall.

And finally, you can secure a deal through union membership or through your pension provider. Union organisations and pension firms usually have exclusive deals on insurance only available to members.

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DRIVING

EXPLAINED: How to bring a foreign car to Norway  

If you've thought about bringing a car from another country to Norway, you've probably wondered what costs and paperwork would be involved. 

EXPLAINED: How to bring a foreign car to Norway  

Whether it’s a beloved classic that’s been the pride of your garage for years, a project that isn’t quite finished, or the family car for pottering around town, there are many reasons why you’d want to bring a vehicle to Norway. 

But what kind of paperwork is involved, and is it financially feasible? Let’s find out. 

Import taxes 

Before you begin the importing, you will need to contact the Norwegian Public Roads Administration (Statens Vegvesen) to see if your vehicle meets the technical requirements to be imported into Norway. 

You will also need to check with the authorities of the country you are bringing the car from to check whether there are any export restrictions or whether any clearance to move the vehicle to another country is required. 

The vehicle will need valid number plates and insurance to be driven to and in Norway. And finally, you can check whether you are due a valid added tax refund on the vehicle when it leaves the country. 

Once the car crosses the Norwegian border, you will need to go to a crossing that is manned and head to the red zone, where you can declare the vehicle. If the tax authorities in the country you are travelling from have not issued a transit declaration, you can get one at the crossing. The transit document allows goods to pass through certain areas. 

You can also pay the VAT, more on that later, that may be required at the customs office at the border, but you will need to let the customs office you will be passing through know in advance, according to the Norwegian Tax Administration.

If you don’t do it when you first pass through, you will need to arrange to go to a customs office within one to three days to pay VAT on the vehicle. You will need to go to the crossing listed on the transit declaration. In addition to VAT, you will need to pay greenhouse gas taxes. If you don’t do this within the deadline, the tax authorities will charge additional fees. 

READ ALSO: What happens if you are caught driving without a valid licence in Norway?

The transit declaration, invoice or purchase contract for the vehicle and original registration document will need to be presented to have the car cleared through customs. 

If you have not purchased the car recently, you can bring an updated valuation from the country the vehicle was bought in. You will also need an original foreign registration document. 

Once the car has been cleared with customs, you’ll receive the Notification of calculation duties and registration or, Melding til avgiftsberegning og registrering (Form NA-0221). This paperwork is only available in Norwegian, and you’ll need to present it to the Norwegian Public Roads Administration. You will also need to keep it in the car while driving with foreign plates. 

You can use a tax calculator to figure out how much it will cost to import your car. Cars over 20 years old are exempt from import taxes. However, unlike cars over 30 years old, you will still need to pay regular taxes and insurance.  

You will be able to drive with foreign number plates for up to 30 days after the vehicle has been cleared with customs. After that, you will need to have valid plates, proper vehicle registration, and insurance. 

If you don’t have all of this, the vehicle can only be used with valid temporary number plates. These are referred to as day test plates or prøveskilt. You can read more about obtaining test plates here

Getting the car on the road

Paying the taxes is not the end of the process. You will need to get the car approved for Norwegian roads. Used vehicles need to be checked over by the Norwegian Public Roads Administration Driver and Vehicle Licensing Offices. When new cars are imported, the information from the COC will be used. 

Getting the car approved requires you to book an appointment with the roads and traffic authority. You can book appointments here.

Once approved, a one-off fee will need to be paid before registering the vehicle. The one-off tax is calculated on the vehicle’s tax group, weight, CO2 emissions and engine power.

After this, the car can be registered with the public road authority. To register the vehicle, you will need the foreign vehicle card, the registration card you received when the car was cleared with customs and your own credentials, such as a passport or driving licence. You will need to have insured the vehicle too

You will get a temporary registration certificate for the vehicle when all this is done, while the full registration certificate is sent in the post. The temporary one can’t be used to drive abroad. 

If you haven’t already, you will need to hand over your foreign number plates to the Driver and Vehicle Licensing Office. Norwegian plates will not be issued until you do this. 

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