Instabank.fi review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Instabank.fi arranges income protection as a broker rather than writing the cover itself, which shapes how premiums and claims are handled. It suits Norwegian earners wanting monthly payments and phone claims support, and the cover starts at €17.30 a month.

Key facts

Best for
Monthly income protection for Norwegian earners who want a phone claims line.
Premium from
€17.30 (Source, checked September 26, 2026)
Insurance types
Income-protection (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
Email, Phone, Online form (Source, checked September 26, 2026)
Age range
23-80 (Source, checked September 26, 2026)
Legal entity
Instabank ASA (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
instabank.fi

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Monthly payments are available, so the €17.30 premium spreads across the year instead of a single upfront payment.
  • Claims run on email, phone and online form, so a claim can be reported by phone, by email or through an online form.
  • Support runs on phone, email and chat, which adds chat and a help centre to phone and email.
  • The policy is open to applicants aged 23-80, so most working adults can be covered.

Cons

  • The listed insurance type is income protection, so nothing here covers life, health or property risks.
  • The premium of €17.30 sits above the €8.37 recorded for compared brands, so it is not a low-cost pick.
Instabank.fi

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Scored 8.8 / 10 by AssureCue.

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Who it suits

  • Norwegian earners aged 23-80 whose income depends on being able to work.
  • People who prefer paying monthly, since monthly payments are available on the policy.
  • Anyone who wants to claim by phone, by email or an online form, all covered by email, phone and online form.

Who should look elsewhere

  • Anyone after broader cover: Good Sam Insurance Agency lists auto, home and renters, so home, auto, life and pet policies are all available there.
  • Anyone shopping for life cover rather than income cover: Linxea starts at €25, while Instabank's listed type is income protection.

The company behind it

Cover is arranged by Instabank ASA, a broker based in no that has traded since 2016. As a broker it places income protection with a provider rather than underwriting the policy under its own name. Support runs on phone, email and chat, letting you reach a person by phone, in chat, by email or through the help centre.

How Instabank.fi compares

Where Instabank.fi is available

Available
Finland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Instabank income protection cost?+

The cover starts at €17.30 a month, and monthly payments are available so that figure is spread across the year. Income protection is the only insurance type listed for the brand, income protection, so the price relates to that policy rather than a bundle of cover.

Can I pay monthly instead of committing to a longer term?+

Yes, monthly payments are available, which suits anyone who would rather spread an income protection premium across the year. The payment model is listed as monthly, and claims can still be handled by email, phone and online form while the policy runs.

How do I make a claim?+

Claims run on email, phone and online form, so you can report by phone, by email or through an online form, whichever suits you at the time. Support itself is broader, running on phone, email and chat, which means you can also use chat or the help centre for anything that is not a claim.

Who can take out the policy?+

The policy is open to applicants aged 23-80, which covers most working adults rather than a narrow band. You would be buying income protection, income protection, so the customer is someone whose earnings stop if illness or injury prevents them working.

Is Instabank an insurer or a broker?+

No, Instabank works as a broker, so the cover is arranged for you rather than underwritten under the brand's own name. The legal entity behind the policies is Instabank ASA, based in no and trading since 2016.

How does the starting premium compare with other providers?+

Compared brands on this page sit at a median starting figure of €8.37, so Instabank is priced above the middle of the field. Providers such as Linxea start at €25, while Good Sam Insurance Agency spreads across auto, home and renters instead of a single income product.

Does the policy cover anything besides lost income?+

The listed insurance type is income protection, so the policy is aimed at replacing a salary when you cannot work rather than paying out on death or covering property. If you want home, auto, life or pet policies as well, a provider such as Good Sam Insurance Agency lists auto, home and renters.

Sources

  • instabank.fi checked September 26, 2026

    Backs: Headquarters, Legal entity

    “(c) 2025 Instabank ASA, Drammensveien 175, 0277 Oslo, Norway”

  • instabank.fi/asiakaspalvelu_ checked September 26, 2026

    Backs: Support channels

    “You can reach our customer service at +358 75 3266 170 on weekdays 10-14 ... by email: asiakaspalvelu@instabank.fi ... you can contact our customer service in the online banking chat”

  • instabank.fi/kulutusluotto checked September 26, 2026

    Backs: Age range, Provider type, Pricing model

    “You are 23 years old ... Your age plus the chosen loan term must not exceed 80 years”

  • instabank.fi/lainaturvavakuutus checked September 26, 2026

    Backs: Claims channels, Insurance types, Monthly payments, Premium from

    “Send your insurance enquiry to the insurance company preferably in writing by email ... Email: claims.finland@krogius.com ... Phone: +358 9 4763 6300 ... Make a claim report”

  • no.wikipedia.org/wiki/Instabank checked September 26, 2026

    Backs: Founded

    “Etablert 7. mars 2016”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Instabank.fi

Instabank.fi

Monthly income protection for Norwegian earners who want a phone claims line.

8.8/10See alternatives

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