8 policies · IDA Insurance · provided by Tryg Insurance A/S
Total premium
25,835 DKK /years
approx. 2,153 DKK per month · IDA Guld
All 8 policies are held with IDA Insurance (IDA Guld) — this will typically trigger a multi-policy discount. The car insurance makes up 45% of the bill and would be the obvious place to negotiate.
Car
11,287 DKK /years
Car insurance
Polestar 4 EL Long Range Single Motor Plus 272HK
11,287 DKK
per year
Policy 820 47.618.293 Via direct debit: 1 May
Super package · 15.000 km/year · registration ET33495
Your largest policy — 45% of the total insurance bill. Because the car is leased, comprehensive and lease coverage are mandatory, but check whether the DKK 30,000 equipment allowance still matches the car’s actual equipment.
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Home & holiday home
7,256 DKK /years
Holiday home insurance
Holiday home
2,517 DKK
per year
Policy 805 5.014.837.629 Via direct debit: 1 June
Holiday home contents 296.750 DKK
FireWeatherContentsService pipesPipes and cablesFungus and insectsRot damage
Excess: Other sudden damage 2.500 DKK · Rot damage min. 2.500 DKK · Legal aid min. 2.500 DKK
The house is paid off and valued at DKK 1.85 million — make sure the insured building value keeps pace so you are not underinsured after a total loss.
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Contents insurance
Primary residence
4,739 DKK
per year
Policy 856 6.021.584.307 Via direct debit: 1 June
Fire and liabilityTheft and waterElectronics damageSudden damage
Excess: Electronics 1.425 DKK · Sudden damage 1.425 DKK · Legal aid min. 2.500 DKK
With an apartment valued at DKK 10.4 million and belongings for five people, it may be worth reassessing the contents limit — electronics and designer furniture add up quickly.
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Family
4,428 DKK /years
Child insurance
Clara Sofie Mikkelsen
1,146 DKK
per year
Policy 880 4.017.642.831 Via direct debit: 1 November
Coverage applies around the clock and includes hazardous sports — a solid package. Sums are typically adjusted annually; check that they keep pace with inflation.
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Child insurance
Freja Marie Mikkelsen
1,203 DKK
per year
Policy 880 4.012.758.406 Via direct debit: 1 October
Both children have the same coverage package — nicely consistent. Payments fall on 1 October and 1 November, making autumn insurance-heavy.
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Accident insurance
Sophie Mikkelsen
1,048 DKK
per year
Policy 880 4.019.326.745 Via direct debit: 1 August
1.368.250 DKK (24-hour coverage) · death 61.400 DKK
Permanent physical injuryPermanent psychological injuryExtended permanent injuryKnee injury from 5%
Coverage for permanent injury from just 5% is strong. Consider whether the disability sum should be increased now that household fixed costs have risen with housing and leasing.
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Accident insurance
Emil Mikkelsen
1,031 DKK
per year
Policy 880 4.015.903.268 Via direct debit: 1 September
1.354.900 DKK (24-hour coverage) · death 60.850 DKK
Permanent physical injuryPermanent psychological injuryExtended permanent injuryKnee injury from 5%
The same coverage as your own accident insurance — both adults have 24-hour coverage for permanent injury from 5%.
Annual travel insurance covers the whole family of four, including skiing and cancellation — typically cheaper than single-trip insurance if you travel twice or more each year. Remember to register new family members.
