In case of loss

What has happened?

To report a claim or to find information on what to do in case of an insured event, choose the line of business above and the country according to your Company's Policy.

Marine Cargo

24 h emergency service

Report your claims in If Login

See how you can benefit from handling your claims digitally in If Login.

When a loss has occured

The most important feature in an insurance policy is what happens after a loss has occurred. Then you will find out what you get in exchange for your insurance premiums.

Every claim has the potential to impact the day-to-day operations of your business. Therefore at If we focus on pro-actively processing all claims as quickly and efficiently as possible.

The way our claims handling works

We handle more than half of the claims within 24 hours. In case of a large claim, we will be at a Nordic loss site within three hours, and outside Nordic countries within three days.
We handle more than 2 million claims every year, so we have the best partner network of the Nordic insurance market.
Our partner network is not limited solely to the Nordic area; we provide international services in more than 200 countries and territories.
You will get your own claims contact person, who will take care of you all the way. We will keep you updated throughout the process. You can relax and concentrate on your business.

Rapid response

Claim notifications can be made 24/7 through If Login, by e-mail, by phone or internet. Once registered, we will immediately assume command of handling your claim.

For large claims where a site visit is required, an experienced claims handler or our representative will be onsite within three hours in the Nordic Region if necessary or three days elsewhere around the globe.

When a settlement has been reached over the amount of the indemnification, you will receive payment within five working days.

Large claim teams

In the event of a large claim, a team of If experts will be assembled to handle the claim in question.

In the first phase of the process, we jointly agree on the optimal strategic approach for handling the claim.

We will also involve you in planning the subsequent steps in the claims handling process.

During the handling phase, follow-up meetings and reporting will be carried out in accordance with our agreement.

Personalised claims support

To facilitate prompt and accurate claims handling, we can allocate a designated claims handler to you if desired. In this way we avoid any unnecessary delays as the handler has knowledge of your operations, markets and prior claims.

Furthermore, if you sustain a large claim, your designated handler will also be a member of the large claim team.

Pre-defined procedures

If you have international operations in several countries, we can conclude an agreement on the claims handling procedures in advance.

A claims Programme Head located in the country of your company's headquarters will be designated to act as your contact person and co-ordinator in the event of a claim involving any of your risks abroad.