Insurance Requirements in Denmark
What’s mandatory vs. smart to have in Denmark: public health via CPR, vehicle liability, building insurance for homeowners—plus recommended cover like personal liability, contents, travel and accident insurance.
Overview: insurance for life in Denmark
💳 Health via CPR
Residents are covered by public healthcare once registered (CPR) and issued the yellow card. Bring it to all appointments.
🚗 Vehicle liability (mandatory)
Third-party cover is required to drive/own a vehicle. Add “kasko” (comprehensive) if you want damage cover to your own car.
🏠 Home/building insurance
Generally required by mortgage lenders and wise for owners. Tenants typically need contents & personal liability instead.
Required insurance in Denmark
💳 Public health (CPR)
Free at point of use for residents; dentistry for adults and some extras cost extra. Keep your yellow card with you.
🚘 Vehicle liability
Covers injury/damage you cause to others. Required for cars, mopeds, motorcycles; fines or registration issues if missing.
🏡 Building insurance (owners)
Protects the structure against fire, storm, water, etc. Usually a condition for mortgages and homeowner associations.
Optional & recommended insurance
🛡️ Personal liability (ansvar)
Strongly recommended for everyone; covers accidental damage/injury to others (e.g., bike collisions, broken items).
📦 Contents (indbo)
Protects belongings (furniture, electronics) from theft, fire, water damage. Often expected by landlords.
🩹 Accident insurance (ulykke)
Pays out for permanent injury after accidents—at home, work, or leisure. Useful for kids and active adults.
✈️ Travel
Covers medical costs abroad, cancellations, baggage. Get it even within the EU; the yellow card isn’t a full travel policy.
🏥 Private health
Faster access to private clinics and specialists; sometimes included as an employment benefit.
🐾 Pet insurance
Helps with vet bills and liability for pet-related damage, popular for dogs and cats.
Useful resources & links
ℹ️ Insurance overview
👥 Consumer advice
🧭 Compare policies
Related on exploringdenmark
🏥 Healthcare in Denmark
🚗 Driving & car ownership
👨👩👧 Moving with a family
💶 Cost of living
Frequently asked questions
💳 Is public health “free”?
Yes for residents with CPR (yellow card). Adults pay most dental and some extras.
🛡️ Do I need personal liability?
Not legally—but highly recommended. Small premiums, big protection.
✈️ Travel within EU—still insure?
Yes. The yellow card isn’t a full travel policy (cancellations/baggage/private clinics).
🚘 Is car insurance expensive?
Can be. Compare widely and ask about no-claims discounts and telematics.
📦 Contents for apartments?
Strongly recommended; sometimes required by landlords or dorms.
🌍 Can internationals buy easily?
Yes—once you have CPR. Compare providers before buying.
This guide is general information—not legal advice. Policies differ by provider; always read terms.