Sudden damage to your electrical devices.
Malfunctioning, i.e., mechanical or electronic failure that makes it impossible to use your broken device. The insurance covers four years from the date of purchase.
Damage caused by short circuit, induction, high voltage, or the like.
Sudden damage because of direct contact with water, fluids, or humidity.
Physical damage during a road accident, for instance, a clash, overturning, or pedestrian collision.
Physical damage during transportation in a boat, ship, or ferry, and you are on board when the accident occurs.
My child has a school-provided iPad or computer. Does the school have insurance that covers?: In principle, the school is responsible for any damage of school-provided devices. This is because schools cannot disclaim responsibility when students are required to use a computer or iPad in class. If the school's insurance does not cover, your Home Contents Insurance will cover school-provided devices such as a laptop or tablet against fire, water and theft. Borrowed items are also covered against sudden damage for the first 30 days with an excess applied.
Does my Home Contents Insurance cover gardening power tools, including lawnmowers?: The insurance covers garden power tools, including ride-on lawnmowers (max 25 hp) and robotic mowers, up to DKK 58,033 (index 2021), in the garage and the outbuilding. Outside the building means, for instance, the garden, there is coverage up to the limit insured amount outdoors.
Does my Home Contents Insurance cover drones?: Yes, but only under certain circumstances. If your drone is stolen or destroyed by fire, then it is covered. However, the drone must weigh less than 7 kg and be used exclusively as a hobby.