Home contents insurance for students

Insurance details
You need to provide some information about the people sharing your accommodation if your policy must cover them. Please, contact us if you wish to change the number of people on your insurance.
The tables are illustrations and extracts from the insurance terms and conditions. The claims department will calculate future compensations according to the insurance terms and conditions.

Free home contents insurance
As a student member of IDA, you pay 0 kroner per. month for your contents insurance.

Covers policyholder's roommates
Your home contents insurance does not only cover you but up to three roommates in a shared house.

Damage to another person's property
If you accidentally damage other people's property and are met with a claim for damages, your insurance will be covered.
Home contents insurance |
Basic coverage |
---|---|
Fire
You are covered if damage occurs to your property after fire, lightning or explosion. |
|
Theft (e.g bicycle) and vandalism
The policy protects your personal items, belongings or property against theft. Insurance coverage depends on whether the event took place inside or outside your home. It also depends on whether your home and your items were properly secured or not. Especially for bike theft: You can choose from different sums insured – fitting your needs. The standard coverage is up to DKK15,000 per bike. Moreover, the insurance policy also covers intentional damage to things you own, for instance, in case of burglary at home. The insurance also protects your bike in public space against failed theft attempts. |
|
Personal Liability
It provides coverage to pay for claims of bodily injury and property damage (incl. pets) sustained by others for which you or covered residents of your household are legally responsible. |
|
Theft tricks, robbery, assault
You are covered if someone with fake intentions gets access to your home or property. The insurance provides coverage if a person uses or threatens to use violence, damages or steals by force your personal goods. |
|
Legal aid, incl. mediation
We provide insurance coverage to help pay for legal advice and proceedings in certain types of conflicts. Moreover, we cover mediation, which is arbitration or a voluntary form of conflict settlement. You can read more about it in the insurance terms and conditions, article 8. |
|
Urgent mental health crisis helpline incl. Tryg i livet
If you need help for a mental health crisis or emergency after witnessing or been involved in one of the following events:
As part of your insurance, you have access to the 'Tryg I Livet' helpline. They have trained counsellors available to speak with you about overwhelming difficult situations and stress in your life. They can also provide other relevant information you may need about public emergency services. |
|
Options | |
Weather damage
The insurance covers:
|
|
Water leak
The insurance protects your personal effects against water and other liquid damage in the following events:
|
|
Damaged luggage abroad
The insurance provides coverage if your luggage has been lost or damaged when you are travelling. Please be aware that we do not cover gold, silver, jewellery and money.
|
|
Accidents including traffic-related, sudden and eyeglass damage
|
|
Home Coverage (glass, sanitation and pipes) for tenants and housing co-op residents, or Extended Water Damage for house and townhouse owners
For you, a tenant, condo owner, or housing co-op resident, the insurance covers the following events: Extended water damage (house/townhouse owners):
|
|
Extended electronic malfunction, including transport damage
The insurance covers:
|
|
Property for rent
The insurance covers damage to your belongings when you rent out your home. Please note that if you have added theft, vandalism, sudden accident and extended electronic malfunction to your policy, you still have them when you rent out your home. |
|
Other options | |
Extended bike repair
The insurance covers bicycles and electric bicycles. It also includes loose and mounted components. E-bikes must have a maximum speed of 25 km/h. The insurance covers damage to the bike:
This add-on covers the expenses of repair if this is possible. If you prefer replacement with new parts, choose Extended Bicycle Damage. A free home contents insurance does not include Special Coverage, Extended Bike Repair, Extended Bicycle Damage, or cover bikes worth more than DKK15,000 per bike. If you need these add-ons, you must take out Student Insurance. Contact us to hear more about this insurance if you need additional coverings. |
|
Extended bike part coverage
The insurance covers bicycles and electric bicycles. It also includes loose and mounted components. E-bikes must have a maximum speed of 25 km/h. The insurance covers damage to the bike:
This add-on provides replacement with new parts. A free home contents insurance does not include Special Coverage, Extended Bike Repair, Extended Bicycle Damage, or cover bikes worth more than DKK15,000 per bike. If you need these add-ons, you must take out Student Insurance. Contact us to hear more about this insurance if you need additional coverings. |
|
Special coverage
Add Special Coverage to your policy if you would like to protect things worth over DKK60,000. Please note that there is an excess of DKK 1,000 (2022), and you must be able to provide documentation (e.g. receipt) of the personal items you wish to secure. A free home contents insurance does not include Special Coverage, Extended Bike Repair, Extended Bicycle Damage, or cover bikes worth more than DKK15,000 per bike. If you need these add-ons, you must take out Student Insurance. Contact us to hear more about this insurance if you need additional coverings. |