Non-life insurance

"On the basis of competent and highly educated employees we aim to give our customers their necessary security - both now and in the future. This will be ensured through offering up-to-date products, high quality, efficient processes and a high level of professional advice. Our customers should feel they receive more than they expect."

                                                               Brian Rothemejer Jacobsen, CCO


  • Topdanmark is the second largest supplier of non-life insurance in the personal market with a market share of around 17.2% − i.e. we insure every fifth Danish citizen
  • We insure private households through our two brands, Topdanmark and Danske Forsikring
  • We offer market-conform non-life insurance products at competitive prices
  • We have specialised and insurance-trained employees with high level specialist knowledge within sales, customer advice and claims handling – in order to give our customers the best experience in any situation
  • We sell insurance policies at personal meetings with our certified insurance sales representatives, internet meetings, over the telephone or via the internet
  • We provide active advising. The goal is that our customers always have up-to-date insurance cover
  • We wish to attract and keep profitable customers based on good customer experience
  • Our customers can easily get a picture of and make changes to the insurance conditions, file claims, follow the claims handling and other issues of importance via and
  • We optimise the way we work through digitalisation and efficiency improvement of processes to provide quick and simple service to our customers  - and in that way, we deliver high quality using less resources
  • In co-operation with Danske Bank, Danica Pension, Sydbank and "home" we offer their customers non-life insurance products
  • In Q2 2018 we will offer special non-life insurances for customers in Coop (which includes the supermarkets Kvickly, Superbrugsen, Dagli`Brugsen, Brugsen, Fakta and Irma)
  • In co-operation with a number of car dealers we offer motor insurance policies when a car is sold


  • Serving Danish based SME and agricultural customers with both active and disused farms
  • Using our claims experience to provide targeted and professional risk management advice with particular focus on improving our customers' risk consciousness and reducing the number and extent of claims
  • Providing individualized insurance policies within both non-life insurance and life and pension fund business to all companies as well as active and disused farms
  • Our supply of insurance solutions reflects each customer's needs ranging from traditional insurance packages to the construction of captive solutions for large industrial customers and customer groups
  • Meeting our customers with an expert team composed of specialists within their fields
  • Certified SME insurance sales representatives use systematic checks of customers' insurance requirements as starting point
  • Agricultural market leader with a significant market share
  • In cooperation with Danske Bank, Danica Pension and Sydbank, we offer non-life insurance products to their customers
  • We integrate digital solutions in our products and process development with focus on the customers’ requirements
  • We always focus on efficient processes and working methods