Free home contents insurance for students – all you need to know

Who is eligible for the free home contents insurance?

If you are an active student in a programme eligible for admission to IDA, you can get our free home contents insurance as an IDA student member.

Switch your home contents insurance to our free option, even if you're already insured with us

Are you currently insured with us for home contents? If so, and you are an active student, you can easily switch to our free home contents insurance.

If you call us on 70 21 01 91, we can close your present home contents insurance. There will be no overlap, and you will receive any excess money back.

Who is included in my home contents insurance coverage?

Home contents insurance provides coverage not only for the policyholder but also for other members of the household, including:

• roommates
• spouse/partner
• and children living at home if necessary

Co-housing

If you live in a co-housing community, your home contents insurance covers up to three people at the same address. In some cases, only one policy is needed.

Subletting of room or apartment

If you are subletting your apartment, the subtenant must buy insurance himself. The same applies if you rent a room while living in the apartment. Here, your subtenant's things are also not covered by your contents insurance.

How does your home contents insurance cover you as a student?

Our student home contents insurance is free and provides the same coverage as a standard policy. This provision means you are protected on equal terms with everyone else. The insurance includes

• liability coverage
• bicycle coverage
• electronics coverage
• fire and storm damage coverage
• and theft and vandalism coverage

Please visit the link provided to learn more about how your home contents insurance covers.

What exactly does liability insurance cover?

Liability coverage is a part of your home contents insurance, which provides coverage in case you accidentally cause harm to other people or their property.

For instance, if you hit a pedestrian while cycling, the insurance covers the physical injuries and material damage caused by the accident. Without home contents insurance, you would have to pay for the injured person's medical expenses and property damage, which could quickly become an expensive ordeal.

Covering your belongings when they are outside of your home

Your home contents insurance policy generally covers your personal belongings, such as your computer, bags, shoes, and other similar items, even outside your home. However, it's essential to remember that thefts outside your house are often considered minor or petty. This definition may mean receiving only a partial reimbursement for the stolen items.

Facebook Personal Photos and Information Misuse

If you have home contents insurance with IDA Forsikring, you will be automatically entitled to IDA TRYGhed. This coverage includes Tryg ID, which helps and advises if your personal information or photos have been shared without your consent. We can assist you if someone misuses your identity. To learn more about our services, kindly visit our website.

Can IDA Forsikring cancel my contents insurance with another insurance company?

We can cancel your current home contents insurance by accepting our quote through our online calculator and stating your current provider.

Where can I find and view my policy?

You can access and manage all your insurance policies, including options and prices, on My Page.

How to file a claim on your free student contents insurance

If you have been injured or robbed, you can easily file a claim by contacting Tryg Skadeservice at 70 33 25 25 or online.

What happens to your insurance when you are no longer a student?

You can keep your free home contents insurance for up to one year after graduation. After one year, the policy will automatically switch to our regular student contents insurance. 

We will send you an email with the updated prices. 

To know more about the changes in your insurance policies, kindly read through the details provided.