Private insurance in Denmark

Danish insurance policies are mandatory, and you can read more about them here. Additionally, you can find information about Danish insurance companies’ most popular policies. Private insurance in Denmark




Statutory insurance

  • In Denmark, some insurance contracts are compulsory by law.
  • If you own a registered motor vehicle, you must have liability insurance.
  • If you have a dog, you must purchase dog insurance.
  • If you have a mortgage, your bank will often ask you to take out fire insurance.
  • For more information on types of insurance, please refer to the Insurance Guide. Forsikringsguiden.DK is a collaboration with the Danish Consumer Council and his Forsikringsoplysningen (insurance information).




Common types of insurance

In order to ensure the safety of your home and its contents, you should have at least home contents insurance and liability insurance. Fire, home contents, and liability insurance are often offered as part of a comprehensive package. An insurance policy for your home usually includes such a package. Additionally, accident insurance can be beneficial.



Home contents insurance

Your belongings, including clothes, furniture, bicycles, and other personal items, are covered if they are stolen or vandalized by your home contents insurance. Water damage or a traffic accident are also covered by your home contents insurance.




Liability insurance

When you cause damage or injury unintentionally, your liability insurance covers you. An accident that results in liability for you or your family is covered by private liability insurance. In addition to covering your damages claim, the insurance will also cover compensation or legal costs.




Accident insurance

It can be a very good idea to have accident insurance if you or someone in your family is involved in an accident.

Accident insurance can be taken out for either full-time or leisure-time hours. With the former covering you both during the day and at night.




Other types of insurance

Denmark offers a wide range of insurance options. Visit the Forsikringsoplysningen website for more details on these types of insurance.

Moreover, unemployment insurance in Denmark is handled by unemployed insurance funds, which are privately owned.




Young people and insurance

Many parents’ insurance plans cover you until you are 21 years old.

Your registered address must be at your parent’s home if you live at home. Apartments and student housing also fall under this category.

It is important to get your own home contents insurance if, for instance, you move in with your girlfriend or boyfriend, or have a child. Private insurance in Denmark

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