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In Denmark only a few types of insurance are required by law, while others are optional.


Certain types of insurance in Denmark are required by law. It may be a good idea, however, to also buy other types of insurance. Home and Accident Insurances in particular are recommended by most insurance companies. 


Compulsory insurance in Denmark

  • 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

Optional types of insurance

  • 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

Discuss with your insurance company what types of insurance are right for you and your family.

Read more about insurance in Denmark.