• Car Insurance
• Third Party Liability Insurance for Dogs
• Household Contents Insurance
• Personal Accident Insurance
• Travel Insurance
• Buildings Insurance
• Health insurance
• Private insurance

In Denmark, two types of insurance policies are compulsory:

• Car insurance
• Third party liability insurance for dogs.

If you buy a car in Denmark, you must take out Third Party Liability Insurance as it is compulsory in Denmark. The insurance covers liability for claims resulting from the car being used as a vehicle. In addition, you may choose to take out comprehensive car insurance which will cover any damage to your car and loss in case of theft.

You can take out insurance with or without deductible. If you take out insurance with deductible, your yearly fee will be lower than insurance without deductible but the deductible amount will apply to each and every claim.

Owners of dogs must take out third party liability insurance covering damage or injury caused by the dog.

A very useful insurance available in Denmark is the Household Contents Insurance - the Comprehensive Family Insurance. It covers loss of and damage to personal effects, furniture and other household contents resulting from fire, theft, burglary and water damage. It also covers your personal liability and when you are travelling, your luggage is covered. 

Bicycles are only covered when they are locked with an approved lock. The lock certificate must be kept as proof and must be presented to the insurance company in case of theft. You also have to state the frame number of the bicycle.

The insurance covers accidents. Cover is normally provided if you become more than 5% permanently disabled.

Remember that you are not automatically covered if you travel with your partner on business. Check with your insurance company what cover applies to you.

The Buildings Insurance/House Insurance covers:

• Fire and damage to buildings
• Attack by dry rot, fungi and insects
• Broken glass and sanitary fixtures
• Extended piping/cable insurance

Insurance cover is provided on the basis of full rebuilding value provided that the house is sufficiently maintained. If you live in a rental apartment or house the owner of the property is responsible for the building insurance.

Any person living in Denmark is entitled to free emergency hospital treatment. In case of emergency, dial 1-1-2 to contact police, fire station or ambulance. Emergency calls from pay phones are free of charge. English is understood - just speak as slowly and clearly as you can under the circumstances.

People with a residence and/or work permit in Denmark

Those who are registered with the municipal civil registration office in Denmark are automatically covered by Denmark's national health insurance after a period of six weeks. Hence, it is strongly recommended that you arrange for health insurance to cover any incidental medical bills for the first eight weeks of your stay – eight weeks in order to be sure to be covered by an insurance in case the issue of the Danish Health Service card is delayed.



People coming from the EU countries, Croatia, Iceland, Liechtenstein, Macedonia, Morocco, Norway, Pakistan, Quebec, Slovenia, Switzerland and Turkey, can avoid the waiting period, if they are covered by the national health insurance of their home country. The national health care authorities in the home country should be contacted.

You have to arrange for private insurance yourself. Some insurance companies extend their insurances to cover stays in other countries and, therefore, you should contact your present insurance company for further information.

Private insurance is necessary if you require repatriation to your home country in the event of a serious illness or death. Other types of private insurance to consider are personal accident insurance, household contents insurance and/or a comprehensive car insurance, called "kasko" in Danish.