Climate Adaptation and Loss Prevention

Preventing damages brings clear environmental benefits. It reduces resource consumption, waste and emissions that would otherwise arise from repair or replacement. Every loss avoided means less transport, fewer new materials, and lower energy use in production and logistics. It also extends the life of buildings, vehicles and other assets, supporting the circular economy and lowering the overall climate footprint.

Our insurance solutions combine financial protection, preventive measures and clear, easy to understand policy wording.

How we help customers:

• Insight and guidance: We share relevant information that builds confidence and predictability, making it easier to prevent damages.
• Targeted measures: Product features and incentives—such as premium discounts or reduced excess—when customers invest in proven damageprevention measures.
• Support when it matters: If a claim occurs, we provide tailored advice to help prevent recurrence.

We provide tailored guidance by customer segment and risk – practical, relevant and easy to apply. Key topics include escape of water mitigation, fire safety, and safe driving. If a loss does occur, we follow up with personalised recommendations to reduce future risk.

Climate change affects us all. As an insurer, we see the impact of more frequent and severe weather and rising loss costs. That’s why climate adaptation is an integral part of our approach whether it’s maintenance advice, typical resilience upgrades, or preparedness planning. We:

• Work with public authorities and partners across the value chain
  to improve local and national prevention efforts.
• Share data and insights with customers and authorities
  to reduce risk and inform effective adaptation.
• Contribute to robust adaptation measures
  that protect people, property and critical services.

Products and services

We develop solutions that promote prevention across the value chain:

• Insurance incentives: Premium discounts or reduced excess when documented lossprevention measures are in place.
• Clearer policy wording: Easier to understand what applies before, during and after a claim.
• Aligned with the EU Taxonomy: Fremtind supports climate adaptation by offering home and commercial property insurance that complies with the EU Taxonomy. (Existing agreements established prior to the 2024 merger, which do not meet the necessary conditions, are gradually being converted to align with the same criteria).