Free Home contents insurance
Get a Free Home contents insurance while you study!
Do you study either IT, science or engineering?
Become a student member of IDA and boost your study life with a FREE Home contents insurance as long as you study. At IDA, we want to do our part to ensure that you get as good and safe study time as possible. That is why we give all student members of IDA a unique offer – namely a contents insurance for DKK 0, throughout the study period. You save DKK 877 a year.
The student membership of IDA is free the first year and after that it only costs DKK 20 per month.
Do you already have a Home contents insurance at IDA Forsikring, and do you want to switch to the free Home contents insurance? You can order it via the buttons on this page. We will close your current Home contents insurance once you have accepted the offer. Any excess premium will be automatically refunded to you.
Travel Insurance
Get Travel insurance, and you can always get home safely, no matter where you are in the world. Travel insurance covers skiing and adrenaline pumping activities such as bungyjumping. Cancellation cover is included.
Monthly price – 56 DKK
Read more about the insurance here
All prices are according to the CPI rate for 2022. To take out insurance, please contact IDA Forsikring, IDA’s Insurance Group –
Insurance Agency
Free Home Contents Insurance
As a member of IDA, you can get a free Home contents insurance while you study. Home contents insurance provides coverage to all your belongings. It covers, among other things, if you spill coffee on your laptop, or you lose your phone. It also covers if your bike is stolen. An excess applies of DKK 1,000.
Read more about the insurance here
All prices are according to the CPI rate for 2022. To take out insurance, please contact IDA Forsikring, IDA’s Insurance Group –
Insurance Agency
Accident Insurance
Accident insurance provides 24/7 coverage for loss from accidental bodily injury, and compensation from at least a 5 % permanent disability. Your teeth are also insured. The insurance provides coverage during your free time, at home and in the lab.
Monthly price – 72 DKK
Read more about the insurance here
All prices are according to the CPI rate for 2022. To take out insurance, please contact IDA Forsikring, IDA’s Insurance Group –
Insurance Agency
Questions about the free Home Contents insurance
Who can get the free Home contents insurance?
You can get the free Home contents insurance as long as you are a student member of IDA. This applies to both completely new study members as well as students who have been members of IDA for a long time – both those who already have a Home contents insurance at IDA Forsikring and those who have not.
However, it requires that you are a student on an education that is eligible for admission to IDA.
Why do I need a Home contents insurance?
Without a home contents insurance, you cannot get compensation if someone e.g. steals your bicycle. Did you also know that it includes personal liability coverage, among other things?
Home contents insurance covers damage to your belongings caused by fire, theft, a short-circuit or water damage. The insurance also includes liability coverage, which covers if you cause damage or injury to other people, their animals or things. For instance, if you accidentally step out in front of a cyclist, who then falls and damages their bike and clothes.
Your home contents insurance does not only cover you but up to three roommates in a shared house.
I already have a Home contents insurance at IDA Forsikring - can I get it for free instead?
Yes, you can order the new free contents insurance as long as you are an active student. IDA Forsikring automatically closes your current contents insurance so that there is no overlap and you will receive excess premium returns.
Are there coverages I do not get now that the insurance is free?
The free Home content insurance is an ordinary contents insurance – just free. It means that you continue to get all the known, good coverages that we also have on our other insurances. As a student member, you only get the insurance for free. The insurance includes, among other things, bicycle cover, liability cover, electronics cover and cover for fire and storm damage. Just as you know it, from our other insurances.
What happens to the insurance when I am no longer a student?
When you are no longer a student, your insurance will be transferred to our Student Home content Insurance. It costs approx. DKK 850 per years, and that price you can keep until you are 30 years old. When you turn 30, your insurance will be transferred to our insurance for graduates.
Can you cancel my current Home contents insurance in another insurance company?
We currently do not have the option to terminate your existing insurance. You must therefore contact your current company and have the insurance terminated.
How do I order the free Home contents insurance?
You can order the insurance via the buttons on this page.
Reviews by students
Find answers to all your questions here
1. What is insurance?
Insurance is an agreement in which IDA commits to provide compensation if anything goes wrong. In return, you pay a premium every year.
The insurance policy can cover all kinds of things. Our home contents insurance covers belongings in your home if they break or if there is a burglary. The insurance also covers accidental damage to other people’s belongings, or if your belongings break outside your home.
Travel insurance covers your costs if you get sick while on holiday and you need to be transported back to Denmark, or if you have to be hospitalised at the destination. The insurance also covers you if your holiday is cancelled, and there is an option to cover situations in which you yourself have to cancel your holiday.
Accident insurance insures you against accidents. If you fall and damage your teeth, or your knee is injured during exercise. You can choose the possible level of compensation in the event of an accident, and how “slight” the injury is to be before you have insurance cover.
Find our full range of insurance here.
2. How much is insurance?
Find out how much insurance costs by trying our simple insurance calculator.
The price of your insurance depends on several factors. If you have a low excess of DKK 500, for example, which means that you pay the first DKK 500 for a claim before IDA pays the remaining part, the insurance is slightly more expensive than if you choose an excess of DKK 2,000, for example.
The insurance price also depends on the maximum amount you can claim, and whether you want the insurance to cover special circumstances not included in the standard insurance policy.
3. Insurance if you damage other people's belongings?
If you accidentally spill your coffee on your friend’s computer, IDA’s home contents insurance will cover the damage, because it includes third party liability insurance.
Read more about when the third party liability insurance cover applies in IDA’s terms and conditions for family insurance (in Danish), or ask our advisors if you are in doubt.
4. What insurance do I have?
If you are in doubt as to whether you already have insurance, log on to My page to see whether you are already insured with IDA. At IDA, you cannot see whether you have insurance elsewhere.
We know that money is tight when you are a student, and that there are many other things to spend money on. Therefore, IDA offers Denmark’s cheapest student insurance to our student members.
5. How much do you receive for a stolen bike?
If your bike gets stolen, several factors determine how much you will receive from your insurance.
First, you must pay the excess that you have chosen.
IDA Forsikring calculates the value of your stolen bike on the basis of the price you paid for it when it was new, and then deducts a percentage write-down for each year.
If you have bought an expensive racing bike or mountain bike, you need to take out additional insurance cover, as there is a maximum on how much your home contents insurance can cover for a bike.
6. You can share with the people you live with
If, as an IDA member, you take out home contents insurance, the insurance will cover both you and your partner.
However, many students share a house/flat, and if you live together with other people, the home contents insurance will cover you and up to two other people in your household.
Need a hand with your insurances?
Enter your name and phone number and skip the phone queue.
We call within 2 business days!
Call me