Your membership benefits 2012
LOfavør Your trade union is working to ensure that you are safe, not just at work, but also in your spare time, which is why you as a member have access to excellent benefits through LOfavør. Being a consumer means having to make many important decisions in situations where making the right choice is imperative. There is strength in numbers, which means that because there are so many of us we have the strength to negotiate favourable prices and terms from the best providers. We also require our providers to respect ethical guidelines and the environment. You don t have to waste precious time struggling to compare the various providers; we ve already done that for you. You can rest assured that you ve chosen a good solution, that you re not paying too much and that you ve picked a bona fide provider. The membership card is primarily intended as proof that you belong to an LO trade union. The insurance policies that are included with your membership are displayed on the card. The card is also your key to accessing your membership benefits. Simply show your card or state your membership number to get your benefits. For more information about LOfavør please call the LOfavør MedlemsTelefon on 815 32 600 or visit lofavør.no Roar Flåthen Leader of the LO January 2012 Innhold 04 Compulsory insurance 05 LOfavør Kollektiv hjemforsikring 06 LOfavør Grunnforsikring 07 LOfavør Fritidsulykkesforsikring 08 Non-life insurance 09 LOfavør Reiseforsikring 10 LOfavør Husforsikring 11 LOfavør Bilforsikring 12 LOfavør Fritidsbåtforsikring 12 LOfavør Fritidshusforsikring 13 LOfavør Hunde- og katteforsikring 14 Personal insurance 15 LOfavør Barne- og ungdomsforsikring 16 LOfavør Betalingsforsikring boliglån 16 LOfavør Uførepensjon 17 LOfavør Livsforsikring 17 LOfavør Kritisk sykdom 18 LOfavør Uførekapital 18 LOfavør Ulykkesforsikring 19 Other membership benefits 19 Banking 20 Bank benefits 20 Medlemslån 20 LOfavør Konfliktlån 20 LOfavør Forskudd på lønnsgaranti 20 Bruks- og sparekonto 20 Eiendomsmegling 21 LOfavør MasterCard 22 LOfavør Billån 23 Legal 24 LOfavør Advokatforsikring 24 Advokatbistand 25 Holiday & Leisure 26 LOfavør Feriereiser 26 Leiebil 27 Hotell 28 Energy 28 Strøm 29 Telecommunications 29 Mobil, Bredbånd og Telefoni 30 How to place an order, buy a product or to enquire about a product 30 LOfavør MedlemsTelefon 31 LOfavør Servicekupong 2 3
LOfavør Kollektiv hjemforsikring (H) As a member of an LO union, you already have the best home contents cover available in Norway included with your membership.* Compulsory insurance As a member of an LO union, some insurance policies are included with your membership. Payment for this cover is included in your membership fee. Through your membership, you already have the best household contents available in Norway - LOfavør Kollektiv hjemforsikring. The policies that are included in your membership will depend on which union you are a member of. Please note that you can opt out of some of these policies. You should therefore contact your union or log in to Min Side on lofavør.no to get an overview of the compulsory cover you have. Note: You may also have cover through your local union or group. Contact your union/ group to check what cover you have. Solid insurance provider The unions have chosen SpareBank 1 as their insurance provider. SpareBank 1 has many years of experience as an insurance provider and is highly rated for customer satisfaction both before and after claims. Claims can be made by calling service number 02300 This is the only home contents cover in Norway that does not have an upper limit, giving you peace of mind that you will get back what your possessions are worth. You don t have to list what you own beforehand; just take care of your receipts and/or valuation certificates. Note that individual items and collections are insured for up to NOK 300,000. The insurance covers: - damage to your household contents caused by fire, explosion and water - theft in connection with burglary, including theft from a balcony or terrace - common accidents, such as damage to objects that are torn down, topple over or similar - locked bicycles away from the insured location - theft of loose items from a locked vehicle - food in freezers - relocation insurance - legal assistance - liability insurance Excess You will pay only NOK 3,000 in excess in the event of a claim, compared with a norm in the industry of NOK 4 5,000. If two or more people in the household are members and have collective home insurance, the excess will be waived for both in the event of a claim. For common accidents, only claims over NOK 1,000 will be covered. For bicycles registered in the Falck bicycle register, the excess is NOK 1,000. *This insurance cover is not valid for members of Norsk Jernbaneforbund (NJF), Norsk Lokomotivmandsforbund (NLF), student members and those who have opted out. Code H on the card In this brochure, we have only included an extract from the insurance terms and conditions. Contact your nearest SpareBank 1 branch for the full terms and conditions by calling LOfavør MedlemsTelefon directly on 815 32 600, or visit lofavør.no. 4 5
LOfavør Grunnforsikring (G) This policy provides financial first aid in the event of death. The pay-out for this policy is highest during the period of your life when your costs relating to debt and dependants are usually at their highest. The pay-out will always be paid in addition to any other life insurance policies you may have. Actively employed members with a permanent address outside the Nordic region are entitled to double the sum insured. The insurance covers: - you as the member - your spouse/cohabiting partner and children under 21 years of age - death regardless of cause or age - 24/7 throughout the world - death of a child (also covers death after the 26th week of pregnancy with a pay-out of NOK 16,500) Age Member with spouse/ cohabiting partner and single members with children under 21 years of age This cover is compulsory for the following unions: EL&IT Fellesforbundet FLT HK IE MFO NOF NAF NFF NNN Postkom NSF NTF Spouse/ cohabiting partner Contact your union to report a death Code G on the card Single member without children under 21 years of age LOfavør Fritidsulykkesforsikring (F) This policy will pay compensation if you are involved in an accident outside working hours. Occupational insurance, which all employers are legally required to provide for their employees, covers only occupational illnesses and accidents that arise in connection with your job. It does not cover unforeseen events that arise on your way to and from work or outside working hours. This insurance covers you as a member in the event of permanent disability or death as a result of an accident during your leisure time. The cover is valid until you reach the age of 70. If you wish to make a claim, your local union representative will be able to give you more information. This cover is compulsory for the following unions: EL&IT Fellesforbundet FLT HK IE NAF NFF NNN Postkom NTF Code F on the card Up to age 50 Age 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 and above 68,024 63,937 60,387 56,838 53,290 49,741 46,192 42,643 39,093 35,544 31,996 28,448 24,897 21,348 17,800 14,252 10,702 7,153 68,024 63,937 60,387 56,838 53,290 49,741 46,192 42,643 39,093 35,544 31,996 28,448 24,897 21,348 17,800 14,252 10,702 7,153 28,342 27,086 25,828 24,568 23,309 22,052 20,792 19,535 18,278 17,018 15,759 14,501 13,277 12,052 10,828 9,602 8,378 7,153 Members with spouse, cohabiting partner or heirs 100,000 200,000* 10,000 Single members 10,000 200,000* 10,000 Death Disability Processing fees *In the event of disability of less than 100 %, the compensation amount will be reduced correspondingly. 6 7
LOfavør Reiseforsikring There are two types of travel insurance and you will get help to choose the one that suits you best. The travel insurance covers you as a member, your spouse/cohabiting partner and children under 20. Both types of policy cover you all-year round, and cancellation insurance is also included. You also get 24-hour emergency assistance worldwide. Non-life insurance The unions have negotiated a complete insurance package for you. We recommend you speak to an advisor at SpareBank 1 about your needs, so you can rest assured that you have the cover you need. SpareBank 1 has good advisors who are familiar with their local environment and can advise you on the best solutions for you. By combining all your insurance policies in one place, you get a better overview. Not only do you get to enjoy favourable terms and bonus schemes, but it s also easier to avoid duplicating insurance policies inadvertently. Changing insurance companies is easy. Contact SpareBank 1 and they will do the work for you. - favourable terms and conditions - lower excess - the best bonus system available on the market - up to 25% discount for combining policies 5% + Bank customer 10% Three insurance policies (or home + car) 15% Four insurance policies 20% Five insurance policies ekunde (ecustomer) Solid insurance provider The unions have chosen SpareBank 1 as their insurance provider. SpareBank 1 has many years of experience as an insurance provider and is highly rated for customer satisfaction both before and after claims. The standard insurance covers: - all types of holiday and leisure travel involving at least one overnight stay. An overnight stay is not a requirement if travelling by air - luggage, illness while travelling, transport home, interrupted trip, accident while travelling and delays - legal assistance - travel liability up to NOK 5 million - cancellation insurance This cover is compulsory for the following unions: EL&IT FLT NFF NISO SL The premium travel insurance covers: - everything covered under the standard insurance - holidays, leisure and business travel - accident insurance effective 24 hours a day even without travel - the compensation amounts paid out in the event of various claims are higher than for the standard cover This cover is compulsory for the following unions: NOF IE NTL This brochure contains a brief description of SpareBank 1 s non-life insurance policies and is not a legally binding document. For more detailed information, refer to the current insurance terms and conditions. Claims can be made by calling service number 02300 Extended travel This cover applies to travel of up to 45 days duration, but may be extended to cover up to 60, 90, 120 or 180 days if you are planning a trip abroad over an extended period. 8 9
LOfavør Husforsikring LOfavør Bilforsikring There are two types of property insurance and you will get help to choose the one that suits you best. If your house is completely written off, we will build a new one without any deductions for age or wear and tear (full value guarantee). You will also be covered for damage caused by insects, mould and rot. The premium insurance covers: - safety guarantee, which means that any extensions or renovations made during the year are automatically covered - damage to artistic decor - damage caused by weak foundations - water damage caused by leaks in the roof or the building - the compensation amounts payable in the event of various claims are higher than for the standard cover - everything covered under the standard cover The standard insurance covers: - damage caused by genuine dry rot, other types of destructive mould, rot, insects and animals - damage to the house caused by fire, lightning and electrical phenomena - water damage due to broken pipes - breakages to windows and sanitary porcelain - natural disasters - damage to garden facilities, fences, flag poles and outdoor swimming pools - additional expenses following damage due to official orders One pay-out one contact person one excess It is much simpler to insure your home and household contents at the same place. If your home is damaged, you don t have to tell the same story twice to two different insurance companies. You will also only have to pay one excess and your pay-out will be faster and more secure. This insurance policy gives you favourable terms and conditions, a lower excess and a higher no-claims bonus than is the norm. You achieve the maximum bonus up to four years faster than is the norm in the market, and a non-claims bonus of no less than 30 percent. Additionally, you will not lose your bonus on your first claim after just three claim-free years with a 75 percent bonus. The premium comprehensive insurance covers: - car hire during normal repair time following an insurance claim. Conditions apply concerning the type of hire car. - mechanical damage for cars up to eight years old - fixed equipment up to NOK 20,000, and movables up to NOK 20,000 - everything covered under Comprehensive Comprehensive insurance covers: - damage resulting from collisions, impacts, off-road driving, overturning and vandalism - everything covered under Mini-comprehensive Mini-comprehensive insurance covers: - damage caused by fire and cracks in windows/windscreens - theft in connection with vehicle break-ins - fixed equipment to NOK 10,000 - movables up to NOK 10,000 - roadside assistance, in both Norway and Europe - everything covered under Liability insurance Liability insurance covers: - personal injuries or damage to possessions and property - legal assistance - accident insurance for driver and passengers Adolescent agreement for vehicle owners under 23 years of age The insurance is somewhat more expensive for those under 23 because the statistics indicate that the risk of a claim is higher in this group. You will get a refund on the additional amount plus interest if you do not make a claim during the first five years after the date of your first premium, provided your vehicle has been insured with us for the entire period. Want the adolescent guarantee? If you lend your car to a person under 23 years of age, the risk of an accident increases. The excess applicable is therefore normally increased by NOK 6,000 for claims under comprehensive policies. If you purchase the adolescent guarantee for NOK 900 per year, you avoid the higher excess. If a driver under 23 years of age uses your car, the insurance premium will also be a little higher. 10 11
LOfavør Fritidsbåtforsikring There are two types of boat insurance and you will get help to choose the one that suits you best. The two best options give you compensation per day if your boating holiday is ruined. The premium comprehensive insurance covers: - up to NOK 1,500 per day for 15 days after the claim as compensation for an interrupted holiday - damage to engines/sails up to 10 years old - small dinghy with outboard motor co-insured for an unlimited sum - additional expenses for travel home/ temporary accommodation due to interrupted boating trip - everything covered under Comprehensive Comprehensive insurance covers: - up to NOK 1,000 per day for 10 days as compensation for an interrupted holiday - damage sustained from collisions, capsizing, sinking and damage to the mast or boom - damage sustained from other accidental and sudden external incidents - damage sustained during transportation - everything covered under Mini-comprehensive Mini-comprehensive insurance covers: - damage/loss caused by fire and theft - movables and property up to NOK 15,000 - small dinghy up to NOK 20,000 - accident insurance for driver and passengers - expenses for legal assistance relating to disputes of up to NOK 100,000 - essential transport of the boat to a workshop following an insurance claim - boat recovery and the removal of wrecks LOfavør Fritidshusforsikring LOfavør Hunde- og katteforsikring For your four-legged family members, you will be covered for veterinary costs in the event of illness or injury. You will also get compensation if your pet dies, has to be put to sleep or gets lost. This cover also includes illness and accidents. The insurance covers: - veterinary fees and stays at veterinary hospitals for up to NOK 15,000. This amount can be increased to NOK 25,000 - prescription medicines for up to NOK 4,000 - compensation in the event of illness or accident which leads to death or disappearance (does not apply to domestic cats) - compensation in the event of illness or accident which leads to destruction or permanent disability Dogs can be insured from 5 weeks of age until they are 6 years old, while cats can be covered from 3 weeks until 6 years, unless the insurance directly replaces a similar policy with another insurance provider. The policy expires no later than on the pet reaching turns 10 years of age. There are two types of holiday cabin insurance and you will get help to choose the one that suits you best. If your cabin is written off, we will build you a new one without any deductions for age or wear and tear (full value guarantee). You can also buy cover to protect you against damage caused by insects, dry rot and decay. This type of additional cover is purchased separately. The premium insurance covers: - safety guarantee, which means that any extensions or renovations made during the year are automatically covered - damage caused by animals - water damage caused by leaks in the roof or the building - the compensation amounts are higher than for the standard cover - everything covered under the standard cover The Standard insurance covers: - damage sustained accidentally and suddenly and as a result of fire, water damage from broken pipes, breakage of windows and sanitary porcelain, natural disasters, heavy snowfall or roof avalanches, and other damage to the building - garden facilities, outdoor swimming pool, fences and flag poles - damage caused by fire or as a result of recoverable damage to buildings, pipelines, tanks and basins - loss of rental income or losses due to the holiday home being unusable for up to NOK 50,000 - additional expenses following damage arising from official orders - liability insurance cover and legal assistance - full value guarantee In addition to the above insurance policies, you can also purchase: LOfavør Motorsykkelforsikring LOfavør Campingvognforsikring LOfavør Verdisakforsikring LOfavør Snøscooterforsikring LOfavør Mopedforsikring LOfavør Tilhengerforsikring These policies are provided by SpareBank 1. 12 13
LOfavør Barne- og ungdomsforsikring If your child becomes seriously ill or is involved in an accident, it could have major financial consequences for you and your child. Personal insurance You can now also purchase personal insurance from LOfavør! Your union has negotiated favourable deals to guarantee your financial security when it really matters. - no initial or amendment fees - no administration fees for e-customers - your spouse/cohabiting partner and children get the same price benefits when the family is insured under the same payment agreement Unfortunately, life does not always turn out as we expect. We recommend you speak to your advisor about your needs, so that you can protect both yourself and those you love. Solid insurance provider The unions have chosen SpareBank 1 as their insurance provider. SpareBank 1 has many years of experience as an insurance provider and is highly rated for customer satisfaction. Note: Many people have personal insurance through their association/union or via their employer. Be sure to check what you are already covered for before taking out separate personal insurance. This brochure contains a brief description of SpareBank 1 s personal insurance policies and is not a legally binding document. For more detailed information, please refer to the current insurance terms and conditions. Personal injury claims can be made by calling 21 02 50 60 The Child and adolescent insurance gives you and your child a safety net. The cover includes: - guarantees your child a lump sum payment in the event of illness or accident - provides you with a daily allowance in the event of your child being admitted to hospital - pays out compensation to you for treatment costs in the event of an accident - provides you with support for alterations to your home and technical aids Disability pension for children and adolescents Did you know that children who become disabled have to cope on a limited income for the rest of their lives? By including disability pension in your policy, your child s income throughout their adult lives is secured. Who is entitled to purchase LOfavør Barne- og ungdomsforsikring? As a member, you can purchase LOfavør Barne- og ungdomsforsikring for your children between the ages of 2 months and 16 years. The insurance is valid until the child reaches the age of 20, but the disability cover that is included continues automatically with the child into adulthood, without any need to present a new medical certificate. Extra benefits for you as a member of an LO union: No excess Help line Help line If the unthinkable happens, it is important to find out about government benefits in the event of illness or accidents. This is why we set up a help line for people with LOfavør Barne- og ungdomsforsikring. Here, you can get answers to your questions regarding your financial rights in the event of a child becoming ill or being involved in an accident. 14 15
LOfavør Betalingsforsikring boliglån This policy ensures that your mortgage will continue to be paid even if you cannot work due to disability or unemployment. In this way, you can rest assured that you will keep you home, along with the good relationship you have established with your lending bank. If safeguarding your home financially is the most important thing to you, then this is the policy for you. Why buy Mortgage repayment insurance? Most of us base our expenses on a fixed income. If you can t work, you have to cut down on your expenses dramatically. Mortgage payments are usually the biggest monthly expense for most people and many people are forced to sell their homes when they lose their job. If your mortgage repayments are insured, you ensure that you can keep your home. How much cover can I take out? You can choose what level of cover to take out: - disability pension of up to NOK 25,000 per month - unemployment of up to NOK 13,000 per month - annual pay-outs cannot exceed 30 percent of your annual income LOfavør Uførepensjon If you have to take long-term sick leave due to an illness or accident, your income can be substantially reduced. Government social benefits will not normally cover the income you had during employment. With a disability pension, your income will be protected, so that you can compensate for loss of income if you should lose your job. How much cover can I take out? You can choose what level of cover to take out between NOK 20,000 and NOK 100,000 per year. Any amount above this depends on your income. When will the LOfavør Betalingsforsikring boliglån pay out? - disability pension will be paid out after you have been on at least 50% sick leave for 12 consecutive months - unemployment will be paid out after 30 days of involuntary unemployment/ lay-off, provided you have registered yourself as unemployed and are receiving unemployment benefits from NAV - the annual sum insured you have chosen will be paid out in monthly instalments When will the LOfavør Uførepensjon pay out? - disability pension will be paid out after you have been on at least 50% sick leave for 12 consecutive months - the annual sum insured you have chosen will be paid out in monthly instalments Check our disability calculator on lofavør.no to see what the financial consequences would be for you in the event of disability. LOfavør Livsforsikring If one of the family s breadwinners should pass away, their income will be lost with them. Life insurance will pay out a lump sum that will help provide a safety net for those left behind. How much cover can I take out? You can choose what level of cover to take out between NOK 100,000 and NOK 10,000,000 per year. When will the LOfavør Livsforsikring pay out? - the sum insured will be paid out in the event of death - regardless of the cause of death - you can choose the beneficiary of the pay-out LOfavør Kritisk sykdom If you become critically ill, it can prove difficult to work. This policy is designed to limit your financial difficulties by paying out a lump sum soon after you become ill. Why take out critical illness insurance? This policy will safeguard your finances during a period of serious illness. Maybe your close family wants to reduce their working hours. With this type of cover, you will protect yourself against financial worries and can focus on recovering instead. Which diagnoses are covered by LOfavør Kritisk sykdom? - stroke - cardiac arrest - heart surgery - angioplasty (PTCA) - bypass - organ transplant - kidney failure - life-threatening cancer - confirmed multiple sclerosis (MS) How much cover can I take out? You can choose what level of cover to take out between NOK 100,000 and NOK 2,200,000. When will be the LOfavør Kritisk sykdom insurance pay out? - the sum insured will be paid out when SpareBank 1 receives a final diagnosis from your doctor and you are alive 30 days after the final diagnosis is made. 16 17
LOfavør Uførekapital If you should become permanently disabled as a result of an illness or accident, your income will often be substantially reduced. With disability capital, you can secure yourself a lump sum payment if you can t work anymore. What you spend your pay-out on is up to you. You can for example - repay outstanding debt - reduce your monthly expenses - get involved in health-promoting activities - modify your home How much cover can I take out? You can choose how much cover to take out between NOK 100,000 and NOK 3,000,000. When will LOfavør Uførekapital pay out? - the sum insured will be paid out no earlier than two years if you have been at least 50 percent continuously incapacitated and the disability is permanent. LOfavør Ulykkesforsikring Insurance for the whole family which will help limit the financial consequences after an accident. This type of insurance could be relevant for you and your family, because accidents that happen outside working hours will not be covered by the occupational injury insurance policy. The insurance covers: - you as a member, your spouse/cohabiting partner and children under 20 years of age - injuries sustained in accidents outside working hours that lead to permanent medical invalidity or death - for children, this cover is valid 24/7 - medical and dental expenses concerning injuries sustained in accidents in the Nordic region, up to 5% of the sum insured for invalidity - until you reach 75 years of age. This is how the compensation will be calculated in the event of an accident: The sum insured applies for full and permanent medical invalidity. If, for example, you become 60% disabled, the compensation will amount to 60% of the sum insured. The sum insured depends on your family composition at the time of injury. The sum insured will be paid out according to your family s situation at the time of the accident, based on the following table: Banking The unions have been working for a long time to put together a package of benefits that will give you financial security in your private life. We recommend you speak to your advisor to ensure that your financial needs are met at all times. Family situation Death Medical invalidity 100% Member NOK 100,000 NOK 200,000 Spouse/cohabiting partner NOK 100,000 NOK 200,000 Child below 20 years of age (per child) 1 G NOK 200,000 Member NOK 105,000 NOK 260,000 Spouse/cohabiting partner NOK 105,000 NOK 260,000 Member NOK 120,000 NOK 400,000 Children below 20 years of age (per child) 1 G NOK 328,000 Single members NOK 30,000 NOK 700,000 The sum insured and the premium can be doubled if desired (does not apply to cover for the death of a child). 18 19
Bank benefits Member loans Mortgages with reasonable terms and conditions. - if the bank requires a property valuation, the valuation fee will be refunded when the loan is paid out. - if the loan is transferred to SpareBank 1 or if a new loan is taken out, the bank will cover the costs up to NOK 1,500. LOfavør Konfliktlån An industrial dispute loan may be relevant if you are financially affected by a dispute at the workplace. To be granted an industrial dispute loan, the dispute must be lawful. Your trade union will be able to tell you whether or not the dispute is lawful. - deferment of loan repayments - industrial dispute loans LOfavør Forskudd på lønnsgaranti An advance on a salary guarantee could become relevant if you are laid off. To be granted a salary guarantee from SpareBank 1, you must first contact your trade union and you must also be a SpareBank 1 customer. - advance on money from the salary guarantee fund at ordinary mortgage interest rates Bruks- og sparekonto Special benefits or discounts can vary between banks. These Bank benefits are provided by SpareBank 1. Eiendomsmegling As a member, you get benefits when you sell your home. EiendomsMegler 1 has branches throughout the country. You can therefore rest assured that you will get a good estate agent who is familiar with the area in which you are selling your home. These benefits are provided by EiendomsMegler 1. LOfavør Konfliktlån and LOfavør Forskudd på lønnsgaranti are subject to an ordinary credit rating Call 800 34 363 to contact your nearest EiendomsMegler 1. - a free consultation with an estate agent, regardless of whether or not you decide to sell - NOK 2,000 discount if you sell your home* * The discount is inclusive of VAT. Your membership card must be presented before you sign the contract. Kredittkort As a member, you can apply for a LOfavør MasterCard. LOfavør MasterCard is a credit card you can use to make payments at more than 25 million outlets worldwide. You can access a complete overview of all your transactions and invoices through your Online bank, which is available 24 hours a day at lofavør.no/kredittkort. Did you know for example that: - hotels and car hire companies often reserve an amount on your card for a short period of time in order to guarantee payment. If you use a LOfavør MasterCard, you avoid tying up money in your current account - LOfavør MasterCard can be used anywhere that offers electronic ticketing. If you give your card number when you book, you can use the card itself as the ticket and travel paperless - paying with your LOfavør MasterCard can give you added security, as the card company will often be able to help you get your money refunded if the supplier of a product or service goes bankrupt - it can be a good idea to use the LOfavør MasterCard when travelling, as nobody will then have access to your current account and you can avoid losing large amounts of cash due to theft or your travel account being emptied The current standard price list from January 1. 2012 Cost of purchases Credit limit Interest: and renewals: up to NOK 50,000: Nominal interest rate on goods Annual charge NOK 0 purchases: Additional card NOK 0 Nominal interest rate on cash Replacement card NOK 0 withdrawals: einvoice fee NOK 0 Paper invoice fee NOK 25 (from 3.2.2012: NOK 35) Costs for using the card: Purchase of goods: NOK 0 Cash withdrawals at ATM: Cash withdrawals over counter: NOK 35 + 1% of amount withdrawn NOK 75 + 1% of amount withdrawn If you use your card at Norway Post, it is regarded as an over-the-counter cash withdrawal. Payment: Interest-free deferment of payment*: Up to 45 days Repayment: 3% of credit utilised, subject to a minimum of NOK 100 LOfavør MasterCard is provided by EnterCard AS. In collaboration with independent advisors, we have created the website kortvett.no. Kortvett.no is Norway s only independent advisory service for credit cards. The website offers useful and reliable information from independent advisors. 18.30% per year 19.28% per year Effective interest rate on goods purchases per year: 20.80%* * The effective interest rate is 20.80% (based on an example of NOK 15,000 repaid over 12 months. Total credit amount is NOK 16,329.53). Currency surcharges 1.75% Overdraft fee** NOK 125 Reminder fee NOK 61 Copy of invoice NOK 20 Transfers from other credit card: Interest is calculated from the day on which the amount is transferred to the card. Transfer from credit cards to bank account: NOK 75 + 1% of amount transferred. For cash withdrawals, interest is calculated from the withdrawal date. **Overdraft fees will be charged if the credit limit is exceeded. Visit lofavør.no for the latest prices and terms and conditions If your card is stolen or lost, contact the blocking service, which is available 24/7 by calling LOfavør MedlemsTelefon on 815 32 600 and pressing 2. 20 21
LOfavør Billån As a member, you can get loans for cars, boats, motorbikes and caravans with up to 100% financing. With a LOfavør Billån, the vehicle itself is the security. This saves you having to add to the security in your home, giving you more flexibility. Legal Almost all of us sooner or later end up in a situation where we need, or should have, legal assistance. Hiring a lawyer is expensive for most people, which is why we offer two reasonably priced ways in which to obtain good legal assistance. Read more about these two services on the next page. - the best loan terms and fast processing - lower set-up costs - lower repayment fees - competitive interest rate - repayment insurance on all loans With your car as the only security for the loan, you can repay the loan over a period of up to 10 years. LOfavør Billån are provided by SpareBank 1 Finans. 22 23
LOfavør Advokatforsikring With the legal insurance policy, you will have your own solicitor to attend to your private matters. As with all types of insurance, your requirement for legal assistance must only arise after you have purchased the insurance. You won t pay any hourly rate over and above the insurance premium. This policy gives you and your family the right to specialist legal assistance. This is useful for avoiding problems and ensuring that you have the support you need should a conflict arise. What can I use the legal insurance policy for? A solicitor can help you with both small and big problems. Some typical examples are given below of situations where it can be useful to have a solicitor available to you. Family: Rental agreements, cohabitant agreements, separate property agreements, financial agreements in the event of divorce, visitation and custody of children, transfer of inheritance Home: Agreements with tradesmen, neighbour disputes, permits from the municipal authority Inheritance: Distribution of joint inheritance and testaments Consumer purchases: If for example a store refuses to replace items such as PC, mobile phone or ipod when they are damaged, complaints about products and service, contracts for private sales LOfavør Advokatforsikring is provided by HELP Forsikring AS. Advokatbistand The insurance covers: - up to NOK 2 million in essential costs if a case must be resolved in court. Perhaps most importantly, the policy will also cover the other party s costs if you lose too. - in addition, you get 15 hours of preventive legal advice, e.g. in connection with wills, agreements, etc. - access to all the legal contracts everyone should have Price: NOK110 per month As a member, you will get the benefit of a solicitor to deal with your private matters. Legalis has many years of experience and specialists in most fields who can assist you in your private matters, whether they concern your family, inheritance, property, consumer rights, contracts, estate settlements, children, etc. Holiday & Leisure Holidays are something we all look forward to. They are often planned well in advance and there are many things that must be in place. These days, there are many providers to compare and this can prove difficult. We ve done the job for you, so you can rest assured that you ve chosen a good solution, that you re not paying too much and that you ve picked a bona fide provider. You can get immediate assistance from a solicitor, as well as access to important legal contracts. You are guaranteed feedback on your case within one working day. Legal assistance coverage For further assistance concerning disputes, you can get help in searching for legal assistance cover through Collective home. - discounted prices on all legal assistance - 20% discount on all legal contracts - answers to simple questions and recommendations on how to proceed are free This benefit is provided by Legalis AS. 24 25
LOfavør Feriereiser As a member, you get benefits on holiday travel if you book your trip with LOfavør Feriereiser. LOfavør Feriereiser has been the unions own travel agency for 70 years. Membership benefits for you: - you get help in planning your trip, so you can rest assured you will find the trip that suits you and your family Hotell As a member, you get benefits on hotel stays. The offer is valid all week at over 170 Nordic Choice Hotels; Comfort, Quality, Quality Resort, Clarion and Clarion Collection hotels in Scandinavia and the Baltic countries. - 20% discount at all hotels in the chain in Norway - 10% discount at all hotels in the chain in Sweden, Denmark and the Baltic countries This benefit is provided by Nordic Choice Hotels. As a member, you get benefits on hotel stays. Hotel accommodation must be paid for in advance * - prices for Norway 2012. All prices are given in NOK and include VAT - single room, NOK 830 per room per night, including breakfast - double room, NOK 995 per room per night, including breakfast - extra bed, NOK 145 per extra bed per night, including breakfast * This offer is not valid for the Grand Hotel in Oslo This benefit is provided by LOfavør Feriereiser. Prices for Sweden - double room, SEK 1,125 per room per night, including breakfast - single room, SEK 940 per room per night, including breakfast - extra bed, SEK 150 per person per night, including breakfast Leiebil As a member, you get benefits on car hire. - 10% discount on prepaid hire (World on Wheels) - up to 15% discount on non-prepaid hire worldwide - up to 25% discount on campaign prices in Norway Always remember to quote agreement number CDP 858691 Prices for Denmark Off-peak season 1 January 30 April 2012: - single room DKK 1,195 - double room DKK 1,565 - extra bed (children under 12 years of age) DKK 250 - extra bed adult DKK 350 Peak season 1 May 31 December 2012: - single room DKK 1,395 - double room DKK 1,765 - extra bed (children under 12 years of age) DKK 250 - extra bed adult DKK 350 This benefit is provided by Hertz. This benefit is provided by Rica Hotels. 26 27
Energy Electricity prices fluctuate according to the time of year and the weather conditions. If you want to secure yourself the best prices at all times, you have to change supplier several times a year. You don t have to think about this if you choose our energy agreement. Telecommunications Electricity is a major expense in our private finances and choosing the right supplier is vital. There are many suppliers to choose from and it can be difficult to make the right choice. There is strength in numbers, which means that because there are so many of us we have the strength to negotiate favourable prices and terms from the best suppliers. We ve done the job for you, so you can rest assured that you ve chosen a good solution, that you re not paying too much and that you ve picked a bona fide supplier. Strøm As a member, you get benefits on electricity. - TOP 5 GUARANTEE on Norway s best electricity agreements - savings package for NOK 1 per day - fixed price agreement offers peace of mind for those who need predictable prices TOP 5 GUARANTEE This guarantee ensures that your annual electricity price will be one of the five cheapest measured against a representative list of competitors. The companies on this list of suppliers supply four out of every five households in Norway. The list is calculated from 1 Jan to 1 Jan. The agreement offers you the security of a competitive price, even when prices fluctuate according to the time of year and the weather conditions. The SAVINGS PACKAGE offers you: - payment waiver on electricity charges in the event of: - illness up to 3 months - unemployment up to 3 months - electrical damage limited to NOK 4,000 - individual Enøk consultation. Consultation offers the potential to reduce consumption by 10 20% - Enøk store with products at cost price Our everyday lives have changed and much of our daily communication now takes place via the telephone and the internet. There are many providers to choose from and it can be difficult to make the right choice. There is strength in numbers, which means that because there are so many of us we have the strength to negotiate favourable prices and terms from the best providers. You don t have to waste precious time on the difficult task of comparing providers, because we ve already done the job for you. So you can rest assured that you ve chosen a good solution, that you re not paying too much and that you ve picked a bona fide provider. Mobil, Bredbånd og Telefoni As a member, you get benefits on mobile telephone, broadband and telephone services. - discounts on: - mobile telephone services - broadband - landline - broadband telephone services Register at lofavør.no to qualify for the discount. You will always find an up to date list of benefits here. This benefit is provided by NorgesEnergi. This benefit is provided by Telenor. 28 29
MedlemsTelefon 815 32 600 LOfavør Servicekupong I would like to be contacted regarding: LOfavør Advokatforsikring LOfavør Barne- og ungdomsforsikring LOfavør Snøscooterforsikring LOfavør Uførekapital LOfavør Betalingsforsikring boliglån LOfavør Uførepensjon When you call the LOfavør MedlemsTelefon on 815 32 600, you will hear the following options. You then select the appropriate options according to the benefits you want to order or need more information on. 1 Bank and Insurance 1 Bank 2 Insurance 1 Information on or purchase of insurance 2 Make a claim 3 Car loans LOfavør Bilforsikring LOfavør Campingvogn- og tilhengerforsikring LOfavør Fritidsbåtforsikring LOfavør Fritidshusforsikring LOfavør Hunde- og katteforsikring LOfavør Husforsikring LOfavør Kritisk sykdom LOfavør Ulykkesforsikring LOfavør Verdisakforsikring Advokatbistand Bankfordeler LOfavør Billån Eiendomsmegling SpareBank 1 Medlemskort AS is not responsible for any typographical errors or inaccuracies, and that the content, prices and terms may be changed in the aftermath of when this brochure was printed. 2 LOfavør MasterCard 3 Your LO union or LOfavør Medlemsservice 1 LO union 2 LOfavør Medlemsservice Moisten and stick together LOfavør Livsforsikring LOfavør Mopedforsikring LOfavør Motorsykkelforsikring LOfavør Reiseforsikring Fold coupon LOfavør MasterCard Strøm Se lofavør.no Moisten and stick together 4 Holiday and Leisure 1 LOfavør Feriereiser 2 Hotel 1 Rica Hotels 2 Nordic Choice Hotels 3 Car hire 4 LOfavør Reiseforsikring Name: Address: Postcode/City: Telephone: 5 Electricity E-mail: Membership number: 6 Legal 1 Legal insurance 2 Legal assistance Yes please, I would like to receive the LOfavør newsletter (on membership benefits) by e-mail. Tear the coupon along the dotted line, moisten along the edges and stick together. Postage is prepaid. You can also send the coupon by fax to LOfavør on 21 02 89 50, or enquire by e-mail to post@lofavor.no 30 31
LOfavør Svarsending 1022 0090 Oslo