Preface

The Nordic Marine Insurance Plan of 2013, Version 2027

The basis for the Nordic Marine Insurance Plan of 2013 is the Nordic Plan Agreement (hereinafter “the Agreement”) of 3 November 2010 (last amended 8 May 2024) between:

The Nordic Association of Marine Insurers (Cefor)
and
Danish Shipping,
the Finnish Shipowners’ Association,
the Norwegian Shipowners’ Association, and
the Swedish Shipowners’ Association.

The Agreement states that the name of this document shall be “The Nordic Marine Insurance Plan of 2013” (hereinafter “the Plan”).

The Agreement mandates a permanent Standing Revision Committee (SRC) the task of drafting the Plan. The Parties to the Agreement may propose changes to the Plan. If the members agree that changes should be made, the SRC shall draft amendments to the Plan text and Commentary in English.

The following members of the SRC have been working on the 2027 Version of the Plan:

Chair
Trine-Lise Wilhelmsen, Professor, LL.D, Scandinavian Institute of Maritime Law

Co-Chair
Birgitte Hagland, Professor, LL.D, Scandinavian Institute of Maritime Law

Secretary
Maria Linn Riis, Doctoral Research Fellow, Scandinavian Institute of Maritime Law

The Nordic Association of Marine Insurers (Cefor)
Sveinung Måkestad, Vice President, Gard
Roar Sanden, Legal Director, Norwegian Hull Club
Magne Andersen, Attorney-at-Law, Nordisk Skibsrederforening
Anders Hovelsrud, Chief Underwriting Officer, The Norwegian Shipowners’ Mutual War Risks Insurance Association
Hanne Rydelsborg, Senior Claims Executive, Gard
Ronny Hindersson, Senior Claims Adviser, Alandia
Johan Kahlmeter, Director Claims, The Swedish Club
Jørgen Russwurm, Assistant Vice President, Head of Casualty, Skuld

Nordic Shipowners’ Associations
Marthe Romskoug, Managing Director, Wilhelmsen Insurance Services AS
Thomas Aa. Rasmussen, Attorney-at-Law, Norwegian Shipowners’ Association
Leif R. Rosenkrantz, Director Insurances & Marine Digitalization, Color Line AS
Anne Mentz Hansen, Senior Claims Manager, TORM A/S
Selina Tvenge, Marine & Aviation Underwriter, A.P. Møller-Maersk A/S
Jörgen Sköld, Chairman of the Board, Svenska Orientlinjen – replaced by Örjan Karlsson, Marine Insurance Manager, Stena Rederi
Mikael Livijn, Head of Legal, Environment & Business Management, Wallenius Marine AB
Suvi Niemivuo, Head of Legal, Insurance and Claims, Finnlines

Nordic Average Adjusters
Bjørn Slaatten, Average Adjuster

In addition, Eivind Killengreen, deputy member of SRC for the Shipowners’ Associations, participated in the revision.

A focus in this revision has been on sustainability. Both the Nordic Association of Marine Insurers (Cefor) and the Shipowners’ Associations in the Nordic countries support the UN Sustainable Development Goals.

The 2027 Version builds on this development by introducing amendments aimed at giving practical effect to this objective within the framework of marine insurance and average adjusting.

Without altering the fundamental allocation of risk between the insurer and the assured under the Plan, the amendments allow Environmental, Social and Governance (ESG) considerations to be specifically taken into account in specified situations. The intention is that the Plan should continue to encourage solutions which are commercially reasonable and legally robust while also taking environmental considerations and social responsibility into account. This has resulted in adopting the following ESG-related amendments for incorporation into the Plan Version 2027: Clause 5-19, Clause 12-1, Clause 12-12/18-29, Clause 12-13/18-30, Clause 12-14, Clause 16-9 and Clause 16-12.

The Plan remains under constant review, and it is the intention of the Parties to the Nordic Plan Agreement to find further ways to contribute to a more sustainable future.

It shall be considered the spirit of the Plan that the parties to the insurance contract strive to find more ESG-friendly ways to operate and adjust claims under this Plan.

The SRC decided that amendments to the text of the Plan and the Commentary in relation to the Nordic Marine Insurance Plan of 2013, Version 2023, should be highlighted in the preface.

The SRC has adopted the following amendments for incorporation into the Plan Version 2027:

Clause 1-1: A new sub-clause 1 was added to Clause 1-1 to explain the relationship between the Plan and the Commentary, emphasizing that the Commentary to the clauses shall be considered as an integrated part of the insurance contract.
Clause 1-4A: The Clause was amended to only regulate governing law. Choice of courts as a dispute resolution mechanism is now regulated in a new Clause 1-4C. The heading of Clause 1-4A was amended accordingly. Sub-clause 1 regulates governing law for an insurance contract effected on the Plan and with a Nordic claims leader. In sub-clause 2, an addition was made to the choice of law rule for insurance effected by a non-Nordic claims leader. For situations where the parties have agreed on arbitration or court proceedings in another Nordic country, the law of that country applies. The amendments to Clause 1-4A were further explained in the Commentary. In addition, explanations to the relationship between the Nordic Plan and the applicable background law and methodology was elaborated in the Commentary, hereunder the application of the Nordic Insurance Contract Acts (ICAs).
Clause 1-4B: Amendment was made to make NOMA arbitration the agreed default dispute resolution mechanism in the Plan. Choice of law rules was removed and is now regulated in Clause 1-4A. The reference to NOMA Best Practice Guidelines was removed as recent amendments in the NOMA Arbitration Rules regulate the use of the Best Practice Guidelines. No material amendment was intended. A new sub-clause 4 sets out that the default language of the arbitration proceedings is English. A new sub-clause 5 was added to regulate consolidation into one arbitration.
New Clause 1-4C: A new Clause 1-4C was added for choice of courts as a dispute resolution mechanism. The parties may agree in writing that disputes shall be referred to the courts as per Clause 1-4C or tailor specific solutions for the specific insurance contract, instead of arbitration as per Clause 1-4B. A new sub-clause 3 regulates the venue of the dispute where there is a non-Nordic claims leader. In addition, certain linguistic amendments were made.
Clause 1-5: The reference to Clause 5-4 in sub-clause 4 was removed due to amendments in Clause 5-4.
Clause 2-17: The heading was amended to better fit the wording of the Clause. In sub-clause 2 “the risk of” any sanction was added to the limitation in Clause 2-17 to correspond to reinsurance terms. Further, amendments were made to sub-clause 2 to make the termination effective immediately after giving notice in writing. The amendment was made to be in line with the sanctions regimes applicable to the parties. A new sub-clause 3 was added to give also the assured a right to terminate the insurance contract, where an insurer is “designated, listed or otherwise made subject to asset freeze or similar restrictive measures” under applicable sanctions regimes. Explanations to the amendments were added in the Commentary. Further, a general revision was conducted to clarify the Commentary.
New Clause 2-18: A new “Know Your Customer” Clause was included as Clause 2-18 in response to the continuously increased requirements on insurers to carry out due diligence measures relating to anti-money laundering, counter-financing of terrorism, and sanctions laws and regulations applicable to the insurer and/or its reinsurers.
Clause 3-19: Clause 3-19 was deleted. The provision was antiquarian and was likely meant to cover interventions similar to requisition where the seizure from the outset was intended to be temporary, i.e. the vessel was seized for use by a State Power. The Plan does not use the concept of “seizure” in its description of perils set out in Clauses 2-8 and 2-9.
Clause 4-21: The heading was revised to better reflect the contents of the Clause. The wording “by payment of the sum insured” was deleted. The Commentary was extended for clarification purposes.
Clauses 5-4, 5-7, 17-2 (2), 20-2 and 21-2: “one month” was amended to “30 days” for clarification purposes.
Clause 5-4: In sub-clause 1, clarifications were made in respect of unrepaired damage situations. In sub-clause 3, amendments were made to the calculation of interest. The calculation will now be “fixed” only for a year which require a review each calendar year.
Clause 5-5: An amendment was made to sub-clause 1 following the amendment in Clause 1-4B on arbitration as default dispute resolution mechanism. Corresponding amendments were made in the Commentary. The exception for Finnish and Swedish disputes in sub-clause 4 was deleted due to changes in the Finnish legislation in respect of the Finnish Average Adjuster, but also because the reference to average adjuster under Swedish law and jurisdiction was considered incorrect and misplaced.
Clause 5-19: A new sub-clause 3 was inserted to address the situation where the insurer takes over the object insured and intends to recycle or otherwise dispose of it. The amendment clarifies that the insurer must ensure compliance with applicable mandatory legislation on recycling and disposal, including the Hong Kong International Convention for the Safe and Environmentally Sound Recycling of Ships, the Basel Convention and, where applicable, the EU Ship Recycling Regulation. The assured shall, upon request and at the insurer’s reasonable cost, provide available recycling-relevant documentation and cooperation, including the Inventory of Hazardous Materials and relevant certificates.
Clause 5-24: The heading was revised to better reflect the contents of the Clause, and the word “limitation” was replaced with the word “time-bar”. Sub-clause 2 was amended to clarify time-bar in liability insurance, and the Commentary was restructured to improve clarity. Sub-clause 3 was re-written for clarity, but not with any material changes.
Clause 5-25: Clause 5-25 was deleted primarily due to amendments to Finnish legislation concerning the Finnish Average Adjuster, as explained in the Commentary to sub-clause 4 of Clause 5-5. In addition, the provisions on the limitation period and the procedure for handling the final adjustment (the insurance decision) were removed from the Plan. These rules are set out in the Finnish Insurance Contract Act (543/1994) which applies as background law when the insurance contract is governed by Finnish law and nothing else is agreed in the insurance contract. Consequently, there is no need to include the rules highlighted in Clause 5-25 of the Plan.
Clause 7-2: The headline of the Clause was changed from “cancellation” to “termination” for consistency and express reference to Clause 2-17 (Sanctions limitation and termination). Amendments were made to sub-clause 1, second sentence, to clarify that the position of the mortgagee is not better than that of the person effecting the insurance itself in respect of termination of war risks insurance, as well as other circumstances whereby there is an automatic termination or suspension of the insurance, cf. Clauses 2-17, 3-14, 3-15 or 15-9, 3-17, 3-21 and Chapter 15 Section 2.
New Clause 7-5: Regulation of independent co-insurance of mortgagees was moved from Clause 8-7 to a new Clause 7-5. The purpose of the amendment is to compile all rights related to insurance of the mortgagee in Chapter 7, and no material changes from the previous position were intended.
Clause 8-7: The Clause was amended whereby the independent co-insurance of the mortgagee was moved into the new Clause 7-5. The purpose of the amendment is to compile the rights of insurance of the mortgagee in Chapter 7, and no material changes from the previous position were intended. The heading was updated to correspond with the amendment. Certain logical modifications were also made in the text itself.
Clause 9-1: In sub-clause 2, the term “other” in the definition of “co-insurers” was deleted to clarify that the legal position of the claims leader, defined in paragraph 1, is the same.
Clause 9-2: In sub-clause 3, “its” co-insurers was amended to “the” co-insurers.
Clause 9-7: A new sub-clause 4 was included to regulate a right for the claims leader to request countersecurity from the co-insurer for its proportionate share of the liability. The amendment was elaborated in the Commentary. Further, a general update of the Commentary to this provision was made.
Clause 11-3: A third sentence was added to sub-clause 2 to provide that the vessel may in any event be condemned if the cost of repairing the vessel amounts to at least 100% of the insurable value. The amendment was made to mitigate the risk that fluctuating vessel values may lead to situations where repair costs exceed 80% of the insurable value, but the vessel still does not qualify for condemnation according to sub-clause 2, first sentence.
Clause 11-9: Sub-clause 2 was amended to replace the term “settled”. The purpose of the amendment was to clarify the effective date of the insurer’s liability. The term “settled” in sub-clause 2 was replaced, and the insurer’s liability as per Chapter 13 is now effective until “due date following issuance of the total loss adjustment” or latest two years from expiry of the insurance period. The Commentary was amended accordingly. In addition, minor adjustments were made in the Commentary.
Clause 12-12: The Clause was amended by increasing the additional allowance available where the assured’s choice of repair yard reduces fuel consumption and corresponding CO₂ emissions during removal. The amendment builds on the incentive introduced in the 2023 Version and raises the maximum amount available from USD 40 to USD 90 per ton CO₂ emissions saved.
Clause 12-14: A new sub-clause 2 was introduced for voluntary ESG-related work carried out during a casualty repair period. Such work shall not be included in the basis for apportioning common expenses, provided that the work is voluntary and measurable, or otherwise demonstrable, and goes beyond statutory or classification requirements in force at the commencement of the repair period. In addition, the work must not, at that time, be reasonably expected to become compulsory within the next twelve months. Costs arising exclusively from such ESG-related work shall remain for the assured’s account.
Clause 14-3: A sentence was added to sub-clause 1 to reference Chapter 11. General revision of the Commentary was also made with minor amendments.
Chapter 15, Section 1: The heading of Section 1 was amended to “General rules relating to the scope of the insurance”.
Chapter 15, Section 5/Chapter 18, Section 5-5: Section 5/Section 5-5 were deleted as there are no special provisions for damage under Chapter 15/Chapter 18 Section 5. Damage is thus fully regulated by Chapter 12/Chapter 18 Section 2-3.
Clauses 15-1/18-59: Sub-clause 2 was deleted due to deletion of Clause 3-19.
Clauses 15-2/18-60: Amendment was made due to the deletion of Chapter 15, Section 5/Chapter 18, Section 5-5.
Clauses 15-8/18-66: The Clauses were amended to better align with the approach in the English war risks market. First, by including a notice period of 72 hours if the circumstances involve one of the States in Clause 15-5 (War between major powers). Second, by amending the commencement of the notice period, and third by automatically reinstating the war risks insurance if it was cancelled for the sole purpose of amending the listed areas in Clauses 15-9/18-67.
Clauses 15-9/18-67: The Clauses were amended to the effect that they replace Clause 3-15 instead of providing an addition to Clause 3-15. A material amendment is that the default position is changed to the effect that listed areas are considered excluded areas unless explicitly designated as a conditional area. In addition, the previous maximum deduction of USD 200,000 on a claim occurring in a conditional area, without the trade being notified to the insurer, has been deleted.
Clauses 15-11/18-69: The wording is made consistent by connecting the total loss claim to the assured being “deprived of the use of the vessel”. Further, the covered perils in the total loss section were clarified and broadened by connecting the total loss cover to the relevant individual letters in Clause 2-9, sub-clause 1, particularly the reference to letter (c).
Clauses 15-12/18-70: The wording now clarifies that the blocking and trapping clause applies to all war perils pursuant to Clause 2-9, and that the vessel must be prevented from leaving for a “continuous period” of twelve months. The Commentary was rewritten inter alia to better explain what constitutes blocking, i.e. hindrances of a physical nature as well as non-physical hindrances where the threat level to the vessel is of a character that prevents the vessel from leaving. The expression “port or similar limited area” has also been better explained.
Clauses 15-13/18-71: The heading and sub-clause 1 were editorially amended to be consistent with Clause 15-4 and Clause 15-18. The word “restriction” in the heading was changed to “instruction”.
Clauses 15-14/18-72: The Clauses were deleted. The special provisions governing the relationship between the hull insurance and damage shall now be governed by the general provisions in Chapter 12 and Chapter 16.
Clauses 15-15/18-73: The Clauses were deleted. The provision was antiquarian and likely connected to the situations covered by Clause 3-19, despite Clauses 15-15/18-73 lacking the express requirement that the seizure should be “temporarily”.
Clauses 15-16/18-74: Sub-clause 2 was deleted. This sub-clause is now encompassed by the new Clause 15-17, sub-clause 3, letter (e).
Clauses 15-17/18-75: The previous Clauses were deleted as antiquarian and replaced by Clauses similar to Clause 16-1, now redrafted to reference war perils specifically. A new sub-clause 3, letter (e) has been drafted to clarify the scope of cover of the loss of hire insurance where the vessel is prevented from leaving a port or similar limited area without a physical obstruction being in place, i.e. the perils listed in Clause 2-9, sub-clause 1, letters (a) and (b). As a starting point, the Commentary refers to the similar provision in Clause 16-1 but now includes comments on the war specific issues.
Clauses 15-18/18-76: The heading and sub-clause 1 were editorially amended to be consistent with Clauses 15-4 and 15-13. A material amendment is made by deleting sub-clause 2.
Clauses 15-19/18-77: The Clauses were deleted as a consequence of the amendment in Clauses 15-14/18-72. Choice of repair yard/repairer shall be governed by the general provision in Clauses 16-9/18-51.
Clause 16-12: The Clause was amended to ensure consistency with the new treatment of ESG-related work under Clause 12-14. Voluntary ESG-related work, as explained in Clause 12-14, sub-clause 2, is excluded from the categories of owner’s work that would otherwise form part of the basis for apportioning common repair time under the loss of hire insurance. The purpose is to ensure that voluntary ESG-related improvements are treated consistently in relation to both apportionment of common expenses and apportionment of common repair time.
Clause 16-14: The heading was amended from “Repairs carried out …” to “Loss of time …” to connect the headline with the wording of the Clause.
Clause 17-1 and Clause 20-1: These clauses were amended following the amendment of the language of arbitration in Clause 1-4B. It was found more convenient that the starting point for a dispute under Chapters 17 and 20 is the official language at the place of arbitration.
Clause 18-1, sub-clause (e), no (2): The provision was editorially amended to be consistent with the Commentary already stating that “prior to move, the assured must prepare a move plan, which shall be approved by the claims leader”.
Clause 18-3, letter (a) no (3): The wording was amended in letter (a) no (3) from “constitutes” to ”shall not exceed”.
Clause 18-29, sub-clause 2: The term “repair yard” was replaced with “repairer”. The reason is that for MOUs there are normally various contractors sourced for repairs which cannot easily be defined as a yard. In addition, the maximum amount available was raised from USD 40 to USD 90 per ton CO₂ emissions saved in conformity with Clause 12-12.
Clause 19-9: Listing “components, equipment, and materials” was found unnecessary and was replaced by “items”.
Clause 19-14: In line with the amendment in Clause 19-9, “components etc.” was replaced by the wording “items manufactured or procured for the subject-matter insured as per Cl. 19-9”.
Clause 21-11: The Clause was amended to make the wording more in line with the wordings used by the International Group of P&I Clubs. Further, the Commentary was amended by elaborating on the effect of the Nairobi International Convention on the Removal of Wrecks. A part of the Commentary limiting the wreck removal of lost cargo was also deleted.

In connection with the above-mentioned amendments, changes have also been made in the Commentary to the respective clauses. Changes have similarly been made in the Commentary to other clauses in which matters regulated in the amended clauses are mentioned.

Furthermore, changes have been made in several places in the Commentary to clauses that have not been amended, and where the SRC has found that the former Commentary was impractical, misleading or could be misunderstood. This applies to the following provisions:

Part One, Chapter One, General: The history was deleted as the amendments follow from both the Commentary and the Preface to the 2027 Version.
Clause 2-8: The Commentary was updated to highlight the cover provided by Clause 2-9, sub-clause 1, letter (c) and letter (d), cf. also the amendment made to Clause 15-11. In addition, some of the history was deleted.
Clause 2-9: The Commentary was updated to reflect the Heroic Idun Arbitration Award of 5 August 2025, and highlight the cover provided by Clause 2-9, letter (c), cf. also the amendment made to Clause 15-11. Further, the Commentary to Clause 2-9, sub-clause 1, letter (e) that was deleted by an oversight in 2019 has been reinstated. Some of the history in the Commentary was also deleted.
Clause 2-11: A new example 5 was included in the Commentary. This example adds guidance on allocating coating and paint system damage between policy years, focusing on when the peril strikes and how to identify the relevant “part”. It clarifies that, where spot repairs would have been sufficient at an earlier policy expiry, only those estimated costs should be allocated to that year, while later deterioration requiring further repair or full recoating should be allocated to the later policy year. The example also links this approach to Clause 2-11 and Clauses 12-3 and 12-4, supporting a consistent and technically grounded allocation method.
Clause 3-15: A paragraph in the Commentary to Clause 3-15 regarding Clause 2-11 was removed due to previous amendments to Clause 2-11. Questions of causation are now left with the new wording of Clause 2-11 and its Commentaries.
Clause 4-5, sub-clause 2: Amendments were made to the Commentary to clarify the definition of the assured’s surveyor to also include superintendent. Further, certain linguistic amendments were made.
Clause 8-2, sub-clause 2: An amendment was made to correct an erroneous citation of the Plan wording of Clause 8-2, sub-clause 2.
Clause 9-9: The Commentary was amended due to the amendments in Clauses 1-4B and 1-4C.
Clause 10-1: Amendments were made to attachment of insurance for new equipment and new spare parts. New equipment or new spare parts will be included in the vessel’s hull insurance from the commencement of the final operations to load the item onto the ship. This is an extension from the previous point of attachment being “swung over the railing”.
Clause 11-7: The Commentary was editorially amended as a part of the clarifications made in Clauses 4-21 and 11-9.
Chapter 12: The introduction to Chapter 12 was deleted as it was considered to be misleading and referred to the amendments made in 2013.
Clause 12-1: The Commentary was amended to clarify that coverage for the removal of marine growth can be considered as part of the repair costs if it was necessitated by the average repairs. These costs are considered as common expenses to be apportioned over the cost of works in accordance with Clause 12-14.
Clause 12-3: The Commentary was amended to clarify coating as a “part”. The amendments were made because damage to tank coating and paint systems raises questions about whether coating should be regarded as a separate “part” or as part of the underlying steel. Under Clauses 2-11, 12-3 and 12-4, the definition of a “part” shall be based on a technical and economic consideration, including identification of the “natural unit of repair”. The Commentary was amended to clarify that the coating is considered a “natural unit of repair”, and thereby a separate “part” from the underlying steel. This also conforms with adjusting practice.
Clause 12-5: Minor editorial amendments to the Commentary to sub-clause (a) were made. Furthermore, the Commentary to sub-clause (e) was amended to achieve greater clarity.
Clause 12-13: The Commentary was amended by introducing an increase for coverage of the removal expenses.Additional environmental or regulatory costs triggered by removal to a repair yard may be recoverable as removal expenses where they are necessary for the vessel to resume employment. Such costs shall be included in the tender amount under Clause 12-12, but costs falling under Clause 12-3 remain excluded. In exceptional cases, the claims leader may depart from the normal apportionment of removal expenses under Clause 12-14 where strict application would be clearly disproportionate.
Clause 13-1: The Commentary to Clause 13-1 was updated to clarify certain aspects of the hull insurer’s collision liability. It is now expressly stated that liability may be covered where the vessel strikes property belonging to the assured, such as a quay or wharf, as if the property belonged to a third party. The Commentary further clarifies that the hull insurer’s liability after a casualty giving rise to total loss compensation ceases once compensation has been paid or the insurer has notified the assured under Clause 4-21 that it will pay the sum insured. Finally, new guidance has been added on sub-clause 2, letter (h), reflecting the APL Changi arbitration.
Chapter 15: A general introduction to the amendments made to Chapter 15 was added to the Commentary.
Clause 16-1: The Commentary was amended to clarify that if the hull insurance has been effected on conditions other than those of the Plan, Clause 12-18 (Deductible) still applies.
Clause 16-9: The Commentary was amended so that the calculation in sub-clause 3 would be consistent with the calculation for saved CO₂ emissions in Clause 12-12.
Clause 19-12: The Commentary contained outdated references and were replaced by a reference to the new standard form Shipbuilding contract “SHIP25”, adopted on 9 October 2025.

When the amendments in the Commentary were made, the explanation of the historical development of the clauses previously contained in the Commentary was also deleted to facilitate the reading and understanding of the Commentary.

However, for Clauses where no amendments are made in the Commentary, this historical development is not deleted. In the Commentaries to these Clauses, references are made to both the Plan in use before the Nordic Marine Insurance Plan of 2013, i.e. the Norwegian Marine Insurance Plan of 1996, the previous Norwegian Marine Insurance Plan of 1964 (the 1964 Plan), and various insurance conditions and practices in use under the 1964 Plan. The insurance conditions referred to are the Conditions for Hull Insurance issued by the Central Union of Marine Underwriters (Cefor) and the Mutual Marine Insurers Committee’s Premium and Insurance Conditions (PIC). The abbreviation Cefor stands for Cefor Form 246 A October 1995, while PIC means the Mutual Marine Insurers Committee’s Premium and Insurance Conditions 1 January 1995.

The language of the Plan and Commentary is English. The Plan will be translated into four of the Nordic languages.

Cefor is the copyright holder and responsible for the publication of the Plan and Commentary. The Internet address is nordicplan.org. The Plan is also available as an App for smartphones and tablets.

Finally, the Standing Revision Committee wishes to state that the Plan is a set of standard policy conditions and thus purely illustrative. The Plan is not binding to the parties of the Agreement. Parties negotiating an insurance contract are completely free to agree upon other insurance conditions or modify any part of the Plan and its clauses.

Oslo, 1 July 2026

Trine-Lise Wilhelmsen, Chair

Birgitte Hagland, Co-Chair

Maria Linn Riis, Secretary