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With reference to the stock exchange announcement dated January 6th, where we
gave notice of an update on premium growth for 2021 and the January 1st renewal
date. January 1st has had significant impact on Protectors premium growth
historically and still about 40% of our annual premium incepts at this date. As
most of our growth currently comes from the UK, the January 1st renewal date
will gradually become less significant.


Q4 2021 ; Growth in gross written premium of 8% (14% in local currencies)

The growth in Q4 is driven by Denmark and Sweden. Furthermore, premium growth is
supported by continued price increases and a low client churn. For the full year
2021 gross written premium came in at MNOK 5 951, up 8% (10% in local
currencies) relative to 2020.

January 1st, 2022 ; Growth in gross written premium of 8% (11% in local
currencies)

The growth is driven by Scandinavia supported by price increases above claims
inflation and a low client churn. In the UK, January is a small volume month.


More information will be given on February 3rd in connection with the
presentation of the Q4 and preliminary full year 2021 results.



Oslo, January 21st 2022
Protector Forsikring ASA

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Protector Forsikring ASA, rated bbb+ (Good) Stable outlook by A.M. Best, has
today successfully issued a new NOK 350,000,000 Solvency II compliant Perpetual
Restricted Tier 1 bond pricing at 3m NIBOR + 475bps. The bonds will have first
call option by Protector Forsikring ASA on 14 December 2026, five years after
settlement date. The bonds will qualify as Restricted Tier 1 Instruments for the
issuer for the purpose of applicable regulations.

The bonds will be applied for listing at Oslo Børs.

Nordea and Pareto Securities acted as Joint Lead Arrangers for the bond issue.


Oslo, 3 December 2021

For further information, please contact:
CFO, Ditlev de Vibe Vanay, mob. +47 934 80 393

This information is subject to disclosure requirements pursuant to §5-12 of the
Norwegian Securities Trading Act.

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Christina Blom Monberg, close associate of Primary Insider Anders Blom Monberg,
Country Manager Denmark in Protector Forsikring ASA, has today December 2nd,
2021 acquired 1,200 shares in Protector Forsikring ASA at an average price of
NOK 100.80 per share.

This information is subject to the disclosure requirements in MAR (regulation
(EU) No. 596/2014 on market abuse) as implemented in Norway in accordance with
section 3-1 of the Securities Trading Act.

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Kjetil Garstad, board member in Protector Forsikring ASA, has today 28 October
2021 acquired 52,000 shares in Protector Forsikring ASA through his related
party Steel City AS at an average price of NOK 97.2738 per share. Following this
transaction, Steel City AS holds 196,706 shares in Protector Forsikring ASA.

This information is subject to the disclosure requirements in MAR (regulation
(EU) No. 596/2014 on market abuse) as implemented in Norway in accordance with
section 3-1 of the Securities Trading Act.

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Primary insider Line Engelmann-Kokkim, board member (employee-elected) in
Protector Forsikring ASA, has today, 28 October 2021, sold 568 shares in
Protector Forsikring ASA at NOK 97.0 per share. After the transaction Line
Engelmann-Kokkim owns 0 shares in Protector Forsikring ASA.

This information is subject to the disclosure requirements in MAR (regulation
(EU) No. 596/2014 on market abuse) as implemented in Norway in accordance with
section 3-1 of the Securities Trading Act.

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The profit for the quarter was NOK 125.1m (NOK 343.8m). The result is driven by
a strong technical result.

The net combined ratio was 82.9%, down from 93.4% in Q3 2020.

In Q3, gross premiums written increased by 27% in NOK and 26% in local
currencies. Price increases in the Nordics was 13.2% and will continue in some
markets and segments.

The return on investments was NOK -7.0m or 0.0%, compared to NOK 334.4m or 2.6%
in Q3 2020.

Year to date, the company recorded a profit of NOK 965.2m (NOK 539.3m). The net
combined ratio was 85.9% (94.5%). The return on investments was NOK 717.1m or
5.1% compared to NOK 521.1m or 4.3% YTD 2020.

The overall expectations to 2021 are a 10% volume growth in local currencies
(unchanged) and a net combined ratio of 88% (down from 90-92%).

The Board has utilised its authorisation granted by the Annual General Meeting
in 2021 and has resolved to distribute a special dividend of NOK 137.5 million,
corresponding to NOK 1.67 per share. The dividend will be paid on November 10th
2021.

The SCR-ratio was 230% (171%) after distribution of dividends.

Further details are provided in the attached report and presentation, which
includes definitions of financial key figures.


Oslo, 27 October 2021
Protector Forsikring ASA

This information is subject of the disclosure requirements acc. to §5-12 vphl
(Norwegian Securities Trading Act)

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Dividend amount: NOK 1.67
Declared currency: NOK
Last day including right: 2 November 2021
Ex-date: 3 November 2021
Record date: 4 November 2021
Payment date: 10 November 2021
Date of approval: 27 October 2021

Other information: The special dividend is adopted by the Board according to the
authorisation given by the ordinary General Meeting on 8 April 2021.

This information is published in accordance with the requirements of Oslo Børs'
Continuing Obligations.


Oslo, 27 October 2021
Protector Forsikring ASA

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Protector Forsikring ASA hereby invites you to the presentation of the results
for the 3rd quarter 2021, Thursday, October 28th at 10:00am CET.

The presentation will be held in English, and will be webcasted only.

Below follows the link to our webcast:

https://channel.royalcast.com/landingpage/hegnarmedia/20211028_3/

Questions may be directed to ir@protectorforsikring.no beforehand or directly
through a Q&A function in the webcast during the presentation.

The Q3 report and presentation will be published in advance of the webcast.


Oslo, 21 October 2021
Protector Forsikring ASA

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