Private 2018-08-20T10:09:14+00:00

1. ACCIDENT INSURANCE

This product line is only provided in Denmark.

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Our 24/7 full-time accident insurance is often used as a door opener by our brokers and agencies because it catches the attention of potential customers. It includes cover that no other insurance company in Denmark is offering. Over the last 10 years we have insured over 35,000 persons, which has given our sales partners the opportunity to sell additional private insurance products.

The accident insurance covers you all year round, anywhere in the world, without any time limit. It is adapted to the level of activity of the modern family and adjusted to international conditions. There are no risk classes, i.e. everyone pays the same price – regardless of occupation. We can also offer coverage from 1% permanent disability, with only 2 risk classes, depending on whether the insured person has manual work or not.

A Improved permanent disability rating list

The permanent disability rating list of the Labour Market Insurance has been extended and adjusted to international conditions:
In case of loss or non-functioning of the body parts or sensory organs mentioned below, only this permanent disability rating list is applicable.

B Unique Selling Propositions

  • No risk classes
  • The permanent disability rating list has been improved significantly compared to the rating list of the Labour Market Insurance.
  • Covers permanent disability from 1%
  • Covers twisting injuries, injuries caused by increased effort and back injuries
  • Covers most dangerous sports at no extra charge
  • Covers motorcycling at no extra charge
  • Covers infectious diseases

C Accident – permanent disability from 5%

No risk classes – same price regardless of occupation

Progression 225%
incl. DKK 100,000 death cover
incl. administration fees and government taxes

Cover at 100% disability Premium
500.000 DKK 1.250.000 DKK 542,96
1.000.000 DKK 2.250.000 DKK 1.028,39
1.500.000 DKK 3.375.000 DKK 1.513,81
2.000.000 DKK 4.500.000 DKK 1.999.24
2.500.000 DKK 5.625.000 DKK 2.484,67
3.000.000 DKK 6.750.000 DKK 2.970,10

D Accident – permanent disability from 1%

Only 2 risk classes

Progression 225%
incl. DKK 100,000 death cover
incl. administration fees and government taxes

Cover at 100% disability No (Premium manual work) Yes (Premium manual work)
500.000 DKK 1.250.000 DKK 693,21 DKK 891,23
1.000.000 DKK 2.250.000 DKK 1.328,89 DKK 1.700,28
1.500.000 DKK 3.375.000 DKK 1.964,57 DKK 2.509,33
2.000.000 DKK 4.500.000 DKK 2.600,25 DKK 3.318,37
2.500.000 DKK 5.625.000 DKK 3.235,93 DKK 4.127,42
3.000.000 DKK 6.750.000 DKK 3.871,61 DKK 4.936,46

E Children’s Accident

Progression 225%
incl. DKK 50,000 death cover
incl. administration fees and government taxes

Cover at 100% disability Premium
500.000 DKK 1.250.000 DKK 193,14
1.000.000 DKK 2.250.000 DKK 378,07
1.500.000 DKK 3.375.000 DKK 562,99
2.000.000 DKK 4.500.000 DKK 747,92
2.500.000 DKK 5.625.000 DKK 932,84
3.000.000 DKK 6.750.000 DKK 1.117,77

2. NEW PRODUCTS

In cooperation with our insurance partners at Lloyds of London we have developed a comprehensive and favourable family package.

A House Insurance

Damage caused by fire, storm, cloudburst, vandalism etc. may, as you know, change your financial situation drastically. Therefore, when developing our house insurance, we did not only focus on offering a low premium but also a comprehensive cover that gives the house owner peace of mind and safety for the whole family.

  • Full combined insurance including fire, other building damage,fungus, rot and insects, pipe damage, which also includes e.g. damage to wells
  • In connection with pipe damage, the value of leaking water is also covered
  • Optional cover for pest, extended water damage and cosmetic damage
  • For a property of up to 125 m2 a full combined insurance costs from DKK 2,640 per year

We also cover holiday houses at very competitive conditions.

B Contents Insurance

With our contents insurance the customer is well covered if property is damaged or stolen. The insurance covers the entire household and also includes a liability insurance which provides cover if an insured person causes damage to other persons or their property.

  • The insurance covers other sudden damage
  • Bicycles are automatically covered up to DKK 20,000 and only DKK 500 deductible
  • Garden tools and tools up to 25 HP are automatically covered
  • A contents insurance with a sum insured of DKK 500,000 costs from DKK 1,200 per year

We also offer dog liability insurance with figurant cover.

C Travel Insurance – private and business

Without a travel insurance, the financial responsibility is entirely yours if something goes wrong abroad.
Our travel insurance is a basic annual travel insurance that provides cover worldwide – private and business, i.e. both during holiday and business trips.

  • Up to 56 days per trip, – unlimited number of trips
  • Ambulant treatments, stationary treatments, dental treatment, medications
  • Daily allowance during treatment in hospital abroad: DKK 370
  • Repatriation
  • The price is DKK 240 per year for a single person and the whole family can be insured for DKK 390 per year

D System

In order to meet all the requirements and expectations we have for an IT system, we have chosen to develop our own system which gives us the flexibility, freedom and speed that we need to support our business partners in the best possible way.

  • Overview of all customers, policies and payment status
  • Easy to create and accept offers
  • Connected to EDI for safe cancellation of old insurance policies

3. BASIC TARIFFS

The following tariffs are basic tariffs without discounts and optional covers.

A House (private)

  • Combined house insurance (fire, storm, other damage, fungus and hidden pipes)
  • Garages and outbuildings up to 100 m2 are included
  • Houses renovated in 2000 or later are to be rated by the year of renovation
  • Deductible DKK 2,000

Area 1 – Small cities

m2 1991 1976-1990 1965-1975 1950-1964 1930-1949 1900-1929
0-100 2.200 2.530 3.520 3.300 3.740 3.630
101-125 2.640 3.036 4.224 3.960 4.488 4.356
126-150 2.860 3.289 4.576 4.290 4.862 4.719
151-175 3.300 3.795 5.280 4.950 5.610 5.445
176-200 3.850 4.428 6.160 5.775 6.545 6.353
201-225 4.043 4.649 6.468 6.064 6.872 6.670
226-250 4.235 4.870 6.776 6.353 7.200 6.988

Area 2 – Postal code 2600-2880, 3000-3600, 4000-4600, 5000-5299, 6700-6715, 9000-9299

m2 1991 1976-1990 1965-1975 1950-1964 1930-1949 1900-1929
0-100 2.750 3.163 4.400 4.125 4.675 4.538
101-125 3.300 3.795 5.280 4.950 5.610 5.445
126-150 3.575 4.111 5.720 5.363 6.078 5.899
151-175 4.125 4.744 6.600 6.188 7.013 6.806
176-200 4.813 5.534 7.700 7.219 8.181 7.941
201-225 5.053 5.811 8.085 7.580 8.590 8.338
226-250 5.294 6.088 8.470 7.941 8.999 8.835

Area 3 – Postal code 1000-2500, 8000-8299

m2 1991 1976-1990 1965-1975 1950-1964 1930-1949 1900-1929
0-100 3.000 3.450 4.800 4.500 5.100 4.950
101-125 3.600 4.140 5.760 5.400 6.120 5.940
126-150 3.900 4.485 6.240 5.850 6.630 6.435
151-175 4.500 5.175 7.200 6.750 7.650 7.425
176-200 5.250 6.038 8.400 7.875 8.925 8.663
201-225 5.513 6.339 8.820 8.269 9.371 9.096
226-250 5.775 6.641 9.240 8.663 9.818 9.529

B Contents

  • Deductible DKK 2,000
  • Bicycle DKK 500
  • Dog liability (per dog) DKK 300
  • All prices in DKK
DKK 1 2 3 4 5
500.000 2.750 2.500 1.800 1.200 800
750.000 3.093 2.812 2.227 1.417 944
1.000.000 3.758 3.416 2.706 1.722 1.148
1.250.000 4.235 3.850 3.049 1.940 1.293
1.500.000 4.849 4.408 3.491 2.221 1.481
2.000.000 5.957 5.415 4.289 2.729 1.819
2.500.000 6.873 6.625 4.949 3.180 2.120
1 1000-2500, 2840-2850, 2950-2980, 3000, 3460, 8000-8260,
2 2600, 2610, 2625, 2650, 2730, 2770-2791, 2820-2830, 2900-2942, 3600-3650, 4600, 4700, 5000, 5220, 5240, 5260-5270, 9600-9670
3 2605, 2620, 2630-2640, 2660-2720, 2740-2765, 2800, 2860-2880, 3060-3080, 3140-3150, 3200, 3300, 3400, 4000, 4100, 4140-4171, 4174, 4200, 4250, 4262, 4300, 4400, 4450-4460, 4500-4520, 4534-4591, 4632-4640, 4654, 4681-4690, 4733, 4736, 4874, 4895-4983, 5029-5210, 5230, 5250, 5290, 5300, 5491, 5492, 5560, 5610-5631, 5672-5700, 5762-5771, 5800, 5874-5884, 6000, 6051-6200, 6580, 6640, 6960, 6990,7430, 7570, 8370, 8382-8420, 8450-8464, 8530, 8543-8560, 8581, 8600, 8660, 8860-8881, 8900-8940, 8970-9283, 9320-9340, 9700
4 Postal codes not mentioned in 1-3 or 5
5 3700-3790, 5900-5935, 5960-5985, 6720, 7620-7650, 7673-7680, 7800, 7840, 8305, 9940

C Holidayhouse (private)

  • Insurance (fire, storm, other damage, fungus and hidden pipes)
0-50m2 51-75m2 76-100m2 101-125m2 126-150m2
Premium 2.150 2.588 3.010 3.763 3.978