This Privacy Policy explains how Kvikk Forsikring AS (org.nr. 927 850 103), (“Kvikk”, “we”, “us”) collects, uses, and shares personal data when you use the Kvikk mobile application and related services.
Kvikk is committed to protecting your privacy and processing personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).
We collect the following categories of personal data:
Name
Date of birth
Email address
Phone number
Insurance policy details
Coverage status
Travel history relevant to insurance coverage
Country-level location data
Travel movement between countries
Location data is used to:
Activate and adjust insurance coverage
Calculate pricing based on destination
Provide relevant services (e.g. local assistance)
Kvikk does not track precise real-time location beyond what is necessary for service functionality.
Payment status
Transaction history
Payment processing is handled by third-party providers (e.g. Vipps). Kvikk does not store full payment details.
Information submitted during claims
Supporting documentation
Sensitive data (e.g. medical information) is handled directly by claims partners and not stored by Kvikk unless necessary.
We process your personal data for the following purposes:
To provide and operate the insurance service
To activate and manage insurance coverage
To process claims
To handle payments and subscriptions
To communicate with you (e.g. notifications, support)
To improve our services and user experience
We process your data based on:
Performance of a contract (insurance service)
Legal obligations
Legitimate interests (service improvement, fraud prevention)
Consent (where required, e.g. for location data)
We share personal data only when necessary:
Insurance provider (Aviva)
MGA partner (Applied)
Used for:
Policy issuance
Pricing
Regulatory reporting
Claims handler (ClaimSorted)
Assistance provider (e.g. Falck)
Used for:
Claims processing
Emergency support
Core insurance system (InsureMo)
Cloud hosting (Microsoft Azure)
App infrastructure partners
Used for:
System operations
Data processing and storage
Vipps (payment processing)
Used for:
Handling transactions and subscriptions
We do not sell personal data to third parties.
We retain personal data only as long as necessary:
For the duration of the customer relationship
As required by law (e.g. insurance and accounting regulations)
You have the right to:
Access your personal data
Request correction of inaccurate data
Request deletion of data
Restrict or object to processing
Withdraw consent (where applicable)
Requests can be sent to: hei@kvikkforsikring.no
Kvikk uses appropriate technical and organizational measures to protect your data, including:
Secure cloud infrastructure
Access control and authentication
Encryption where applicable
Your data may be processed outside your country of residence, including within the EU/EEA.
All transfers are carried out in compliance with applicable data protection laws.
We may update this Privacy Policy from time to time. Users will be notified of significant changes.
Kvikk Forsikring AS
Org.nr: 927 850 103
E-mail: hei@kvikkforsikring.no
Last updated: 16.04.2026
This Privacy Policy explains how Kvikk Forsikring AS (org.nr. 927 850 103), (“Kvikk”, “we”, “us”) collects, uses, and shares personal data when you use the Kvikk mobile application and related services.
Kvikk is committed to protecting your privacy and processing personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).
We collect the following categories of personal data:
Name
Date of birth
Email address
Phone number
Insurance policy details
Coverage status
Travel history relevant to insurance coverage
Country-level location data
Travel movement between countries
Location data is used to:
Activate and adjust insurance coverage
Calculate pricing based on destination
Provide relevant services (e.g. local assistance)
Kvikk does not track precise real-time location beyond what is necessary for service functionality.
Payment status
Transaction history
Payment processing is handled by third-party providers (e.g. Vipps). Kvikk does not store full payment details.
Information submitted during claims
Supporting documentation
Sensitive data (e.g. medical information) is handled directly by claims partners and not stored by Kvikk unless necessary.
We process your personal data for the following purposes:
To provide and operate the insurance service
To activate and manage insurance coverage
To process claims
To handle payments and subscriptions
To communicate with you (e.g. notifications, support)
To improve our services and user experience
We process your data based on:
Performance of a contract (insurance service)
Legal obligations
Legitimate interests (service improvement, fraud prevention)
Consent (where required, e.g. for location data)
We share personal data only when necessary:
Insurance provider (Aviva)
MGA partner (Applied)
Used for:
Policy issuance
Pricing
Regulatory reporting
Claims handler (ClaimSorted)
Assistance provider (e.g. Falck)
Used for:
Claims processing
Emergency support
Core insurance system (InsureMo)
Cloud hosting (Microsoft Azure)
App infrastructure partners
Used for:
System operations
Data processing and storage
Vipps (payment processing)
Used for:
Handling transactions and subscriptions
We do not sell personal data to third parties.
We retain personal data only as long as necessary:
For the duration of the customer relationship
As required by law (e.g. insurance and accounting regulations)
You have the right to:
Access your personal data
Request correction of inaccurate data
Request deletion of data
Restrict or object to processing
Withdraw consent (where applicable)
Requests can be sent to: hei@kvikkforsikring.no
Kvikk uses appropriate technical and organizational measures to protect your data, including:
Secure cloud infrastructure
Access control and authentication
Encryption where applicable
Your data may be processed outside your country of residence, including within the EU/EEA.
All transfers are carried out in compliance with applicable data protection laws.
We may update this Privacy Policy from time to time. Users will be notified of significant changes.
Kvikk Forsikring AS
Org.nr: 927 850 103
E-mail: hei@kvikkforsikring.no
Last updated: 16.04.2026