Last updated: Tuesday, 13. October 2015 - 11:01 /
Only as a student member of IDA you have the access to what is probably Denmark’s most inexpensive and best student insurance cover through IDA Forsikring. Prices are low and there are no excess. The benefits do not end on graduation, but in fact you can keep your student insurance policies until the age of 30.
We recommend as minimum a household insurance and an accident insurance while you are studying, but of course it is up to you to decide how to put your insurances together. In our opinion that is what is most fair.
With IDA Forsikring your belongings are comprehensively covered. The household insurance covers the whole household, e.g. furniture, computers, bicycles, smartphones, books, clothes worth up to either DKK 245,000 or DKK 489,000. The insurance also covers if you accidentally cause harm to other people or their belongings. In this insurance you can choose an excess of DKK 0.
The annual price ranges from DKK 245 to DKK 741 and depends on where in Denmark you live and whether you want an excess of DKK 0 or not. You can also get additional covers, such as an accidental damage insurance which covers e.g. accidentally spilling coffee on your computer.
It is unwise not to have a good accident insurance. IDA Forsikring offers you coverage around the clock both out, at home, at your student job, in the lab or whenever you may experience an accident.
The insurance covers the whole world with an insurance sum of either DKK 750,000 or DKK 1,250,000. The cover starts at a 5 % degree of invalidity and the insurance also covers dental injury and treatment. If your girlfriend or boyfriend is also a student and shares the same address, we can offer them the same advantages.
The annual price is DKK 473 for a cover of DKK 750,000 and a maximum of DKK 702 for a cover of DKK 1,250,000. An additional cover for dangerous sports is of course also available.
When you travel it is nice to know that you can get back home safely. With IDA Forsikring you are covered all year on travels of a maximum of 60 days. You are also covered if you get sick, have an accident or if you lose your luggage.
The insurance also covers dangerous sports such as mountain climbing, bungee jumping and parachuting. If you are the only household member travelling, you can insure your travel companion free of charge under the same terms you get.
The annual price is DKK 619 covering Europe and DKK 733 covering the rest of the world. Cancellation and travel guarantee are included in the insurance.
Exchange or internships
If you are going on an exchange stay or taking an internship we have one of the best and most inexpensive travel insurances covering more than 60 days of travel.
As a new driver it is normally very costly to have your own car because the insurance is expensive. That is not the case with IDA Forsikring’s car insurance. Already as a student member of IDA, you save up a bonus each year which will be activated when you buy your first car.
You can choose between two types of insurances. The mandatory liability insurance only covers if you cause damage to others while a comprehensive covers damages to your own car. As a car owner you have to have a liability insurance. If your car is relatively new, you are better off having both a liability and comprehensive insurance.