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Eurofound's EU PolicyWatch collates information on the responses of government and social partners to the COVID-19 crisis, the war in Ukraine, rising inflation, as well as gathering examples of company practices aimed at mitigating the social and economic impacts.

Factsheet for measure NO-2022-12/2265 Updated – measures in Norway

Unions' household insurance scheme to cover refugees

Utvider LOfavør Innboforsikring for flyktninger

Country Norway , applies nationwide
Time period Open ended, started on 17 March 2022
Context War in Ukraine
Type Other initiatives or policies
Category Measures to prevent social hardship
– Provision of services in kind (e.g. food vouchers)
Author Aasmund Arup Seip, FAFO and Eurofound
Measure added 13 May 2022 (updated 13 June 2023)

Background information

As a result of the situation in Ukraine, there are now many members of the Norwegian Confederation of Trade Unions offering refugees accommodation to refugees from Ukraine in their own homes. The Norwegian Confederation of Trade Unions (LO) has decided to extend the coverage of their household contents insurance scheme to include the contents that the refugees bring with them.

Content of measure

The unions that are members of Norwegian Confederation of Trade Unions (LO) have a household contents insurance scheme, LOfavør covers around 970,000 members. LOfavør is a benefit program fully owned by LO. Trade unions and LO's bodies decide which products or services are to be included in the benefit program. As a measure to support union members that let Ukrainian refugees stay in their homes temporarily, the unions decided to upgrade the insurance cover for contents and movables up to NOK 100,000 (€10,000) per refugee family. This extended coverage will initially be valid until 30 June 2022. The unions will make a new assessment in June 2022 about a possible extension of the coverage.


The following updates to this measure have been made after it came into effect.

07 June 2023

This measure was first introduced as a temporary measure in force until 30 July 2022. It was later extended, and according to the insurance company’s information, it is now an open ended measure with no planned ending date.

Use of measure

No information.

Target groups

Workers Businesses Citizens
Does not apply to workers Does not apply to businesses Migrants or refugees

Actors and funding

Actors Funding
Trade unions
Trade union

Social partners

Social partners' role in designing the measure and form of involvement:

Trade unions Employers' organisations
Role Agreed (outcome) incl. social partner initiative No involvement
Form Unknown Not applicable

Social partners' role in the implementation, monitoring and assessment phase:

  • No involvement
  • Main level of involvement: Peak or cross-sectoral level


The household contents insurance scheme was extended through a unilateral decision by unions in understanding with the Insurance company.

Views and reactions

Unions are responsible for the measure. Others' views are unknown.


  • 17 March 2022: Expands LOfavør Home contents insurance for refugees (


Eurofound (2022), Unions' household insurance scheme to cover refugees, measure NO-2022-12/2265 (measures in Norway), EU PolicyWatch, Dublin,


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Disclaimer: This information has not been subject to the full Eurofound evaluation, editorial and publication process.