Liability Insurance in Denmark – What It Covers, Costs & How to Get It | exploringdenmark

Liability Insurance in Denmark: Why You Need It and How It Works

Everything internationals need to know about Danish liability insurance (“ansvarsforsikring”): who needs it, what it covers, legal rules, practical claims, average prices, and how to get covered—plus real stats and FAQs. Essential for families, renters, pet owners, and anyone living in Denmark.

What Is Liability Insurance (“Ansvarsforsikring”) in Denmark?

Did you know? 94% of Danish households have private liability insurance.
Source: Forsikringsguiden.dk, 2024
  • Personal liability insurance (“privat ansvarsforsikring”) protects you if you accidentally cause injury or damage to other people or their property. It’s sometimes bundled with household/content insurance (“indboforsikring”).
  • It typically covers damage caused by you, your children, or your pets.
  • It covers both physical injuries and property damage, e.g. if your bike hits a car, your child breaks a neighbour’s window, or your dog bites someone.

Is Liability Insurance Required by Law?

  • Private liability insurance is NOT mandatory—but is strongly recommended for everyone.
  • Car insurance (third-party liability) is legally required if you own a car in Denmark. See Driving & Car Insurance.
  • Landlords and many rental contracts require proof of liability coverage before you move in. Some schools and sports clubs also require it for children.
Tip: Even a small accident can cost you tens of thousands of kroner without liability insurance. Some landlords require proof before giving you the keys.

What Does Danish Liability Insurance Cover?

  • Injuries or damages you or your household cause to others (incl. children & pets), e.g.:
    • Bicycle accidents involving pedestrians or cars
    • Breaking windows, damaging furniture in someone else’s home
    • Your dog or cat causes injury or damages property
    • Damage to rental apartments (common in leases!)
    • Kids break something at school or club
  • Legal defense costs if you are sued for damages.
  • Worldwide coverage for short trips (check your policy).
Typical Annual Liability Insurance Costs in Denmark (2025, by Region)
Region Average Annual Premium Notes
Copenhagen (Capital) 750–1,200 DKK Urban, higher claims, bundled with home insurance
Odense, Aarhus, Aalborg 650–950 DKK Similar to national average
Small towns & rural areas 550–800 DKK Fewer claims, sometimes lower rates
Source: Forsikringsguiden.dk, 2024 and leading insurers’ quotes.

What’s NOT Covered?

  • Deliberate damage or criminal acts
  • Damage to your own belongings (use home/contents insurance for this)
  • Car accidents (see car insurance)
  • Professional activity—separate business liability is needed
  • Claims above policy limit (usually 5–10 million DKK per incident)

How to Get Liability Insurance in Denmark: Step by Step

  1. Compare insurers:
  2. Choose your coverage:
    • Family (includes partner, children, pets)
    • Single/adult
    • Students (many insurers offer discounts!)
  3. Apply online or by phone. Most companies offer English service.
  4. Get your policy documents and proof of insurance (sometimes called a “forsikringsbevis”). You may need this for your landlord or school.

Making a Claim: How Does It Work?

  1. Contact your insurer ASAP (by phone, app, or online portal).
  2. Give a clear description of what happened (photos, receipts help).
  3. The insurer will investigate and let you know what is covered and how much will be paid.
  4. You may have to pay a deductible (“selvrisiko”, usually 500–1,000 DKK).
Tip: Claims are usually processed within 1–3 weeks if documents are clear. If in doubt, ask for English-language help.

Practical Tips for Internationals

  • Always read policy documents—ask for an English summary if unsure.
  • Bundling home & liability insurance often saves money.
  • Some student unions (e.g. Studiz) offer special rates for young people.
  • Moving in? Your landlord may ask for proof of liability insurance before key handover.
  • Got a pet? Declare pets—dogs must have separate dog liability insurance (“hundeforsikring”), mandatory by law: Read the official rules.
Liability Insurance: Major Providers (2025) – English Service, Online Quotes, Discounts
Insurer English Service Online Quotes Student Discounts Notes
Tryg Yes Yes Yes Largest, good family & expat options
Topdanmark Some Yes Yes Student bundles, English possible
Alm. Brand Yes Yes Some English helpline, easy online
If Yes Yes Yes Very fast online sign-up
GF Forsikring Some Yes Some Popular for families, co-op model
Data: Company sites, 2025. See also Forsikringsguiden.dk for full comparison.

Frequently Asked Questions

  • While not required by law, it’s considered essential. Damaging someone else’s property—even accidentally—can cost you thousands of kroner. Many landlords and clubs require it. Learn more.
  • Yes, children and pets are included, but dogs need a separate “hundeforsikring”, which is legally required. Check your policy details.
  • Often yes—liability is bundled with “indboforsikring.” Check your contract or ask your insurer if liability (“ansvar”) is covered and at what limit.
  • Report it to your insurer as soon as possible. Provide full details, receipts/photos if possible. The insurer will guide you through next steps.
  • Yes. Most major Danish insurers offer English service and allow sign-up with a CPR number and Danish address.
  • Typically 500–1,000 DKK per claim, but can be higher or lower depending on your contract.
  • No age limit. Students and young adults can usually get cheap coverage—often under 500 DKK/year. Check Studiz for youth/student insurance.
  • Ask your insurer for a “forsikringsbevis” (certificate of insurance) as a PDF or paper copy. Most can send in English if you request.
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