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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.

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