Moving out? Ensure your peace of mind with the right insurance

Invest in these three essential insurance policies

Securing your insurance coverage is crucial as you step out independently since your parents no longer cover you. 

We recommend the following three essential insurance policies:

• Home Contents Insurance: Protect your belongings from potential incidents like fires or theft.
• Travel Insurance: Ensure you have a safety net, providing peace of mind.
• Accident Insurance: Prepare for the unexpected. This insurance covers injuries and permanent damages, starting at a minimum of 5%.

Get student discounts on your insurance

As an IDA student member, you can enjoy student discounts on home contents, travel, and personal/accident insurance while studying. You can continue to enjoy these discounts even after graduation, as they will remain valid until you turn 30.

Even without the student discount, you'll still have access to Denmark's most affordable insurance with the same comprehensive coverage.

Don't risk the costs of being uninsured

Insurance is your shield against financial uncertainty. Without proper coverage, unexpected situations can lead to significant expenses.

Home contents insurance not only protects your belongings but also provides liability coverage. It ensures you're covered in accidental damage to others' property.

When you're travelling, don't leave home without travel insurance. It shields you from unforeseen expenses like medical or emergency transportation, sparing you from hefty bills.

In the unfortunate event of accidents resulting in severe injuries (5% or more permanent disability), your personal/accident insurance steps in, covering treatment costs and easing the financial burden.

Share the benefits: Coverage for up to three people

Many of your IDA Forsikring policies extend coverage to up to three individuals residing at the same address, including home contents and travel insurance.

If you share a residence with a friend or partner, you must not purchase separate travel or home contents insurance. 

If you move out and live independently before turning 18, you will only have to invest in home contents insurance once you reach that age. In such a scenario, you remain covered by your parents' home contents insurance – provided they have one through IDA Forsikring (Insurance).

Cover your electronics

Have you accidentally spilt water on your laptop or dropped your smartphone or tablet? Daily use of electronic devices makes accidents almost inevitable. 

Facing the expenses of repairing or replacing damaged electronics can be a significant burden. However, with the Extended Electronics Malfunction add-on, your home contents insurance can protect you financially from electronic accidents.

FAQ – Insurance

Here are answers to frequently asked questions about insurance.

How do I buy insurance? 

Purchasing insurance through IDA Forsikring (Insurance) is quick and easy. Use our online calculator to get coverage in just a few steps.

Why does it say "Tryg" on my insurance documents? 

IDA Forsikring (Insurance) operates as an insurance intermediary, collaborating with companies like Tryg. 

Your documents may display "Tryg" because they handle all claims, accidents, and thefts. Contact Tryg at 70 21 01 91 (press 1) for claims-related queries. 

IDA Forsikring (Insurance) is your go-to for advice and valuable insurance tips.

How do I add new coverage? 

Easily modify your insurance policy on My Page. Add or change coverages conveniently through our online platform.

Where can I see my insurance policies? 

Your My Page provides a comprehensive overview of your insurance, including:

• Coverage details
• Reported claims
• Personal information

When does my new insurance take effect? 

Your insurance becomes effective on the day of purchase. If you switch from another insurer, your coverage continues until IDA Forsikring takes over.

How do I report a claim? 

Contact one of our partners when you want to file an insurance claim. Here is an overview of who you should contact.

Can I pay my insurance via direct debit (Betalingsservice)?

Yes, you can opt for direct debit payments when purchasing insurance. Specify your preference during the buying process, with options for annual or monthly payments.

It costs DKK 9,50 per insurance per payment to use direct debit. Note that you cannot pay your insurance with a payment card.

Will my current insurance be cancelled automatically? 

If you want to move an insurance policy to IDA Forsikring (Insurance), we will cancel your current insurance, provided that you use our online calculator. 

Choose the reason for purchase as "changing company" and provide details about your current insurer, including the policy number. Under effective date selection, choose "as soon as possible" or "when my current insurance expires".

If you've held the insurance policies for less than a year, cancelling them with short notice typically involves significant fees. In such situations, we suggest selecting the "main expiration" option. Following this, we will cancel your existing insurance policies on your behalf. 

Our advisors are available to assist you if you have any uncertainties.

How long can I use my student insurance? 

Regardless of age, you can use your student insurance for your studies. After you finish your studies and become a regular IDA member, you can keep your student discount until you turn 30.

Get advice from IDA Forsikring

Feel free to contact us through email or phone if you have any questions or need expert advice. We are here to assist you in finding the ideal insurance solutions and coverage, especially during life changes, such as moving.