Our insurance segments

Private provides a wide range of general insurance products and services to private individuals in Norway and Denmark, and handles sales and customer service.

The distribution channels for Private are Office channel, Call centre, Internet and Partners

This segment offers a wide range of general insurance products to commercial and agricultural customers, and the public sector in Norway and Denmark, in addition to pensions in the Norwegian market. The segment handles sales and customer service.

Commercial distributes products and services online, by Office channel, call centre, partners and external brokers

The Swedish segment offers insurance to the private and commercial markets. About 49 per cent of earned premiums come from the private market, while about 51 per cent comes from the commercial market.

Sweden distributes products and services online, by Call centre and Partners as well as external brokers.

The Baltics includes the Group’s general insurance operations in Lithuania, Latvia and Estonia, aimed at the private and commercial markets. The segment handles sales, customer service and claims settlement. About 47 per cent of earned premiums come from the private market, while the rest comes from the commercial market.

Baltics distributes products and services online, via Office channel, call centre, partners and by external brokers.

Pension offers defined contribution occupational pension schemes for businesses, in addition to individual pension savings agreements and disability pension. Pension is a priority area that helps to ensure that Gjensidige is a complete supplier of insurance and pension products to private and commercial customers in Norway. The business contributes to stronger customer relations and loyalty among our general insurance customers.