Compulsory and Optional Insurance

When you take up residence in Denmark, you are legally required to have certain types of insurance cover, depending on whether you are a homeowner or live in a rental accommodation, and other properties you may possess.

Compulsory insurance

Depending on your property, the insurance cover you are legally required to have includes:

• Third-party/liability insurance if you own a car, motorcycle, scooter, or moped

• Fully comprehensive motor insurance if you have borrowed money to finance the purchase of a motor vehicle

• A dog-owner’s third-party insurance if you own a dog

• A horse-owner’s third-party insurance if you own a horse

• A fire insurance for buildings if you are a homeowner with a loan secured against your house

Read more about the above mentioned insurances in the booklet Insurance for everyday needs.

Optional Insurance

Optional types of insurance include:

• Home content insurance (combined contents and liability insurance)

• Building insurance if you are a homeowner (usually combined with fire insurance for buildings)

• Fully comprehensive motor insurance (usually combined with compulsory third-party motor liability insurance)

• Personal accident insurance

• Life and pension insurance

• Health and/or medical expense insurance

Read more in the booklet Insurance for everyday needs.

Contacts and further information

Visit the Danish Insurance Association.