How we support the UN Sustainable Development Goals

Our mission is to safeguard life, health and assets. Specifically, we will contribute to halving the number of deaths and injuries caused by traffic accidents in the countries in which we operate. We conduct various campaigns to promote the importance of driving according to the conditions. We have several insurance and additional services that contribute to general access to basic and good health services, and disability insurance that ensures financial security.

We will ensure equal opportunities for all, regardless of gender, age, competence, ethnicity, reduced functional ability and contribute to a diverse working life. We place high demands on ourselves, and our partners, suppliers, customers and companies we invest. We have included requirements for human rights and labour rights in our corporate governance both with board-adopted policies, as well as follow-up routines with quarterly reporting. We signed Finance Norway's 'Women in Finance Charter', as well as the 'Diversity Charter Denmark', which will contribute to increasing diversity and the proportion of women in leading positions.

The insurances we offer are necessary prerequisites for creating financial security for private individuals, as well as for establishing and running businesses that create jobs and contribute to economic growth. We work with our suppliers to contribute to more environmentally friendly repairs after damage. In this way, we will improve the utilisation of natural resources and reduce consumption. We respect labour rights and promote a safe and secure working environment for all workers, both at our own company, in our value chain, and in companies we invest in. We have established control routines to follow up that our requirements are complied with, and status is reported continuously.

By 2030, together with public authorities, we will contribute to a significant reduction in the number of people affected by disasters, including water-related disasters, and help reduce direct economic loss caused by such disasters. We will contribute with positive economic, social and environmental measures between urban, rural areas and sparsely populated areas by strengthening national and regional development plans. We will also contribute to adaptation to climate change and strengthen society's ability to withstand and deal with disasters. We do this by sharing our claims data with public authorities, and adapting our products so that customers have incentives to implement climate adaptation measures.

We will contribute to sustainable management and efficient use of natural resources, for example by reducing food waste and other waste, as well as unsustainable use of resources and materials. We work to better facilitate the circular economy. By 2030, we will gradually contribute to better utilisation of (global) resources in consumption and production, and work to raise awareness of the need for a circular economy, in accordance with the EU's Ten-Year Action Programme on Sustainable Consumption and Production. We have established climate accounts to highlight the reduction in the consumption of materials in connection with claims compensation, and thereby the reduction in waste and greenhouse gas emissions.

We will strengthen society's ability to withstand and adapt to climate-related hazards and natural disasters. We share damage data with public authorities to ensure better planning at the national level and contribute to action against climate change. We work with loss-reduction measures that strengthen individuals' and institutions' ability to counteract, adapt to and reduce the consequences of climate change, and their ability to provide early warning, and measures that strengthen knowledge and awareness of climate. In 2022, we signed SBTi, and hope to get our goals approved as soon as possible. We will have net zero emissions from investments by 2050 at the latest. We have set a target of reducing emissions from our own operations by 75 % by 2025, and reducing emissions from the purchase of goods and services, as well as waste by 35 % for claims handling processes (scope 3) by 2025. We also aim to climate-adapt our products and services and classify 80% of premium income as sustainable by 2025.

We are committed to significantly reducing illicit financial and arms flows, facilitating the recovery and return of stolen assets, and combating all forms of organised crime. We also work actively to reduce all forms of corruption and bribery. This is laid down in our policies and guidelines, and follow-up systems have been established to ensure compliance from our own employees, customers, suppliers and the companies we invest in.