Reiseforsikringen gjelder, forutsatt at hendelsen skjedde på reisen.

Because Norwegian very often makes compound nouns by joining words together.

• reise = travel
• forsikring = insurance
• reiseforsikring = travel insurance
• reiseforsikringen = the travel insurance

The ending -en is the definite article attached to the noun, so instead of saying something like the travel insurance as separate words, Norwegian usually says it as one word.

The ending -en marks the noun as definite: the travel insurance.

For many masculine nouns in Norwegian:

• en forsikring = an insurance / an insurance policy
• forsikringen = the insurance / the insurance policy

Since reiseforsikring is treated as a definite noun here, it becomes reiseforsikringen.

Here, gjelder means something like is valid, applies, or is in force.

So in insurance language, Reiseforsikringen gjelder means the travel insurance is valid/applies.

This verb is very common in formal and practical contexts:

• Regelen gjelder alle = The rule applies to everyone
• Tilbudet gjelder ut måneden = The offer is valid until the end of the month

The comma separates the main statement from a condition.

• Reiseforsikringen gjelder = main clause
• forutsatt at hendelsen skjedde på reisen = condition

In English, this is similar to:

• The travel insurance applies, provided that the incident happened during the trip.

The comma helps show that the second part adds a condition to the first part.

Forutsatt at means provided that, assuming that, or on condition that.

It is common, but it sounds somewhat formal or written, especially in legal, official, or insurance contexts.

Examples:

• Du kan få refusjon, forutsatt at du har kvittering.
• You can get reimbursement, provided that you have a receipt.

In more everyday speech, people might sometimes use other ways to express the same idea, but forutsatt at is very natural in formal Norwegian.

Because the sentence refers to whether the event actually happened during the trip.

• skje = to happen
• skjedde = happened

The insurance is valid on the condition that the event happened on the trip, so the past tense makes sense: it refers back to the incident itself.

Hendelsen means the incident or the event.

It comes from:

• en hendelse = an event / an incident
• hendelsen = the event / the incident

Again, the definite article is attached as an ending. Norwegian often uses the definite form where English also uses the.

In Norwegian, på reisen is the natural expression for on the trip or during the trip.

Even though English often says during the trip, Norwegian commonly uses på with reise:

• på reisen = on the trip / during the trip

Using i reisen would sound unnatural here. Prepositions often do not match English directly, so this is something you mainly learn as a set expression.

Yes. In this sentence, på reisen is often best understood as during the trip.

A very literal translation would be on the trip, but natural English would often use during the trip because it refers to the time period when the incident happened.

Yes, it sounds fairly formal and fits very well in insurance, legal, or policy language.

The formality comes especially from:

• gjelder
• forutsatt at
• the overall concise structure

In everyday conversation, people might explain the same idea more simply, but this sentence is perfectly natural in official writing.

The structure is:

• Reiseforsikringen gjelder = main clause
• forutsatt at hendelsen skjedde på reisen = conditional phrase with a subordinate clause

Inside the second part:

• hendelsen = subject
• skjedde = verb
• på reisen = adverbial phrase

So the sentence is built as: Main statement + condition

That is a very common pattern in formal Norwegian.

Yes. If you put the condition first, Norwegian follows the V2 rule, so the finite verb in the main clause comes immediately after the first element.

For example:

• Forutsatt at hendelsen skjedde på reisen, gjelder reiseforsikringen.

Here, gjelder comes before reiseforsikringen because the sentence begins with the conditional phrase.

That is a very important feature of Norwegian word order.