SpareBank 1 alliance review

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

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Our verdict

SpareBank 1 alliance suits Norwegian households that want several cover types through one bank, with home contents premiums from NOK 159. The trade-off is an excess of NOK 2,000 to NOK 15,000 on the home contents policy and a broker setup, so wording comes from the insurer behind the product.

Key facts

Best for
One bank relationship for home contents, car, travel, pet and gadget cover.
Premium from
NOK 159 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Critical-illness, Income-protection, Gadget (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
NOK 2,000 to NOK 15,000 (Source, checked September 26, 2026)
Cover limit
Unlimited sum insured on home contents (innboforsikring) (Source, checked September 26, 2026)
Claims channels
Online-form, Phone, App, Bank-branch (Source, checked September 26, 2026)
Age range
Under 34 for the youth home contents and travel package (Source, checked September 26, 2026)
Legal entity
SpareBank 1 Gruppen AS (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
sparebank1.no

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

Pros

  • Home contents cover comes with Unlimited sum insured on home contents (innboforsikring), and monthly payments are available under the monthly model.
  • Cover spans auto, home and renters, so most personal lines sit in one place.
  • Claims can be filed online form, phone and app, which includes a bank branch.
  • Support runs on phone, chat and email.

Cons

  • It is a broker rather than the risk carrier, so the wording comes from an insurer behind the product (broker).
  • On premium from it ranks 160 of the 252 brands compared.
  • The excess on home contents runs NOK 2,000 to NOK 15,000, which is the part you contribute to a claim.
SpareBank 1 alliance

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Households in no that already bank with the alliance and want home contents, car, travel, pet and gadget cover together.
  • Customers who like a face-to-face option, since claims can be filed online form, phone and app.
  • Younger renters looking at the youth package, which covers Under 34 for the youth home contents and travel package.

Who should look elsewhere

  • Buyers who want the lowest starting figure, since bunq lists premiums from €0.
  • Shoppers who want a tighter type list, since Good Sam Insurance Agency shows auto, home and renters.
  • Readers with a budget set in another currency, since Euroasia Insurance quotes from UZS 60,000.

The company behind it

The policy sits with SpareBank 1 Gruppen AS, a company headquartered in no, and it reaches customers through a bank alliance rather than a standalone insurance brand. Support runs on phone, chat and email, covering phone, chat, email and a help centre, so questions can be handled in the same place as the rest of the banking. The regulated side is Norwegian, which keeps wording and claims practice local.

How SpareBank 1 alliance compares

Where SpareBank 1 alliance is available

Available
Norway
Licence in Norway
Finansdepartementet (Norwegian Ministry of Finance), checked September 26, 2026

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

Frequently asked questions

What do premiums start at?+

Home contents cover starts at NOK 159, and monthly payments are available under the monthly model, so the cost is spread rather than paid in one bill. The excess on that policy runs NOK 2,000 to NOK 15,000, which is the part you contribute to a claim.

Is there a cap on home contents cover?+

The sum insured listed for the policy is Unlimited sum insured on home contents (innboforsikring), so the home contents product does not stop at a fixed ceiling. The trade-off sits in the excess, which runs NOK 2,000 to NOK 15,000 and is paid on each claim.

Who is the youth package for?+

The youth home contents and travel package is aimed at Under 34 for the youth home contents and travel package. Beyond that, the alliance is a broker serving several customer groups, with seniors named as a main audience, so a youth price does not define who the rest of the range suits.

How do I make a claim?+

Claims can be started online form, phone and app, which covers an online form, phone, the app and a bank branch. A branch suits anyone already dealing with the bank, while the form and app suit quicker online reporting.

What support do I get?+

Support runs on phone, chat and email, so help is available by phone, chat, email and a help centre. Claims add a bank branch and app route on top, giving a face-to-face option for anyone who prefers one.

Does one account cover every line?+

The alliance lists a wide set of types, including auto, home and renters. Because the provider is a broker, the contract sits with the insurer behind each product rather than with the bank, so cover terms follow the underlying policy wording.

Who regulates the alliance?+

Oversight sits with the Finansdepartementet, the Norwegian Ministry of Finance, in no. The legal entity behind the alliance is SpareBank 1 Gruppen AS, and it is set up as a broker, so the regulatory arrangement follows that role.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

SpareBank 1 alliance

SpareBank 1 alliance

One bank relationship for home contents, car, travel, pet and gadget cover.

9.0/10See alternatives

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