DISCLAIMER: This information has been automatically translated for convenience. The original Norwegian version is the authoritative version. In case of any discrepancies or inconsistencies between the translated version and the original Norwegian version, the Norwegian version shall prevail.
Pursuant to sections 1C-4 and 1C-5, respectively, of the Norwegian Insurance Contracts Act (forsikringsavtaleloven), the customer must be informed about certain matters concerning the insurance company and the distribution relationship. This information is available to the User on the following page of our website: Terms and privacy.
Information requirement | Information about the insurance company | |
|---|---|---|
a | the company's main business, company name and the address of its head office | Company name: Nordic Guarantee Försäkringsaktiebolag Address: Kista Science Tower 164 51 KISTA, Sweden Nordic Guarantee Försäkringsaktiebolag is a non-life insurance company licensed by the Swedish Financial Supervisory Authority (Finansinspektionen). |
b | corresponding information for any branch, agent or other representative established in Norway | Insurance company's branch: Nordic Guarantee Försäkringsaktiebolag NUF Address: Karl Johans gate. 6 |
c | other relevant contact information for communicating with the company, including email address | +46 8 34 06 60 |
d | public registers in which the company is registered, and the registration number or equivalent identification details | Organisation number in Bolagsverket: 516406-0112 Organisation number in the Register of Business Enterprises (Foretaksregisteret): 986 398 929 Institution number in the Swedish Financial Supervisory Authority's company register: 22123. |
Information requirement | Information about the distribution relationship | |
|---|---|---|
a | the insurance intermediary's company name, geographical address and that the insurance intermediary is an insurance intermediary | Insurance intermediary's company name: Keyhole ApS Address: Banegårdsgade 2, 8700, Horsens, Denmark Keyhole ApS is an insurance intermediary licensed by the Danish Financial Supervisory Authority (Finanstilsynet). Keyhole ApS is registered in the Danish Financial Supervisory Authority's company register with FTID 36161. |
b | corresponding information for any branch, agent or other representative established in Norway | Insurance intermediary's branch/agent/other representative in Norway: Keyhole ApS NUF Address: Karl Johans gate. 6 Keyhole ApS provides insurance distribution services in Norway through Keyhole ApS NUF. Keyhole ApS NUF is registered in the Norwegian Financial Supervisory Authority's company register. |
c | whether the insurance intermediary gives a personal recommendation about the insurance being sold | Keyhole ApS does not give personal recommendations. The company provides no advice beyond what follows from the necessary information obtained in connection with underwriting. Keyhole therefore does not give individual recommendations about which product suits the customer. |
d | public registers in which the insurance intermediary is registered, the registration number or equivalent identification details, and how it can be verified that the company is registered | Keyhole ApS Organisation number in the Danish Central Business Register (Det Centrale Virksomhedsregister, CVR): 40320377 Organisation number in the Register of Business Enterprises (Foretaksregisteret): 834 932 652 FTID in the Danish Financial Supervisory Authority's company register: 36161 Keyhole ApS NUF Organisation number in the Register of Business Enterprises (Foretaksregisteret): 834 831 252 |
e | any conflicts of interest between the company and its customers and between customers, and any measures taken to reduce the risk of such conflicts | Keyhole ApS has identified that conflicts of interest may arise in situations where the company represents the insurance company in the distribution of products. Keyhole represents the insurance company for both Nordic Guarantee and Tryg, and receives commission from the insurance company. The company has therefore established internal procedures intended to reduce the risk that such conflicts affect the customer's interests. |
f | whether the insurance intermediary represents the customer or acts for or on behalf of the insurance company and, if the customer is a consumer, what this means for the insurance company's liability, cf. § 21-3 | Keyhole ApS represents the insurance company, not the customer. |
g | whether the insurance intermediary directly or indirectly holds ten percent or more of the voting rights or capital in a particular insurance company | Keyhole ApS holds no direct or indirect ownership interests in the insurance companies for which Keyhole distributes products. |
h | whether a particular insurance company, or the parent company of a particular insurance company, directly or indirectly holds ten percent or more of the voting rights or capital in the insurance intermediary | None of the insurance companies, including Nordic Guarantee and Tryg, or their parent companies, directly or indirectly own 10% or more of the capital or voting rights in Keyhole ApS. |
i | whether the insurance intermediary gives a personal recommendation on the basis of an objective analysis. If so, the insurance intermediary must give the personal recommendation on the basis of an analysis of a sufficiently large number of insurance products available on the market to enable the company, in accordance with professional criteria, to give a personal recommendation as to which insurance meets the customer's needs. The customer must be informed of what it means that a personal recommendation is given on the basis of an objective analysis | Keyhole ApS does not carry out an objective market analysis. The company does not give personal advice and does not assess a broad range of products across the market. |
j | whether the insurance intermediary is contractually obliged to use exclusively one or more insurance companies in its insurance distribution business, and if so, the name or names of these | Keyhole ApS is not contractually obliged to use one or more insurance companies exclusively. |
k | if the insurance intermediary is not contractually obliged as mentioned in letter j and does not give advice on the basis of an objective analysis as mentioned in letter i, the names of the insurance companies that the insurance intermediary may use and actually uses | Keyhole ApS has no exclusivity agreements and is free to use several insurance companies. Nordic Guarantee (deposit guarantee, etc.) Tryg (landlord insurance) |
l | the form of remuneration received in connection with the distribution | Keyhole ApS receives commission from the insurance companies for the distribution of products. The commission is linked to premium payments. |
m | the nature of the remuneration that the insurance intermediary and the relevant employee receive in connection with the distribution, including whether the remuneration is commission-based, and whether the customer is to pay the remuneration directly or whether it is included in the insurance premium or is otherwise to be paid in connection with the insurance contract | The customer does not pay any remuneration directly to Keyhole. |
n | if the customer is to pay the remuneration directly, the amount of the remuneration where this can be stated, or otherwise the method for calculating the remuneration | |
o | the amount of remuneration that the insurance intermediary receives from the insurer in connection with the distribution | The commission level is set as a percentage agreed between Keyhole ApS and the insurance company. |
p | the information mentioned in letters l and m for each payment after the contract is concluded, in addition to ongoing premiums and scheduled payments, if the customer is obliged to make such payments under the insurance contract | If the customer makes periodic premium payments or other payments after the contract is concluded, Keyhole receives commission according to the same percentage model as described above. |