Thirty party/personal liability insurance provides cover when the insured incurs legally binding liability for damage to people or property.

This insurance pays a lump sum in the event of personal accident. The compensation paid depends on the degree of disability resulting from the injury. For the insured or his/her surviving relatives to be entitled to compensation, the accident must comply with the insurer’s definition of an accident.

You can read more about personal accident insurance on page nine in the booklet Insurance for everyday needs.

This insurance covers content of your home and possessions in the event of damage/loss due to theft, fire, storm, etc. The insurance also comprises liability insurance that covers members of the household in the event of them incurring liability as private individuals. The insurance comprises legal aid insurance which covers the cost in the event of several types of private legal action in which members of the household may become involved. This type of insurance also goes under the name of family insurance, household insurance or Basic Family Insurance.

It covers, among other things, fire, theft, water damage, liability and legal aid.

Depending upon your personal circumstances, you may want to take out additional insurance to cover:

• Your means of transport: car, motorbike, bike, moped, scooter or boat.
• Any pets you may have.
• Own your own house or holiday cottage, and your belongings there.
• Your spare-time interests and international travel.

In Denmark, unemployment insurance is provided by unemployment insurance funds - private associations associated with trade unions and other professional organisations. To become a member of an unemployment insurance fund, you must be between age 18 and 63 and be resident in Denmark (or another EU/EEA country and work in Denmark, in which case you must fulfil certain requirements). Read more about the requirements and find more information about unemployment insurance on Work in Denmark’s website.

Before you take out insurance in Denmark we recommend that you contact several insurance companies to find the cover that best suits your needs.