Insurer profile
IF SKADEFORSIKRING, FILIAL AF IF SKADEFÖRSÄKRING AB (PUBL), SVERIGE
IF SKADEFORSIKRING, FILIAL AF IF SKADEFÖRSÄKRING AB (PUBL), SVERIGE · Denmark
Overview
If is the leading property and casualty insurer in the Nordic region, operating in Denmark as a branch of If Skadeförsäkring AB (publ), Sweden, wholly owned by Finnish Sampo plc. On 1 July 2025, Topdanmark was legally merged into If Skadeforsikring, making If Denmark's second-largest insurer with roughly 21% market share, serving both private and commercial customers under both the If and Topdanmark brands.
Source61
Products in this market
3
Offer pages
Company details
- Parent group
- Sampo plc
- Regulator
- Danish Financial Supervisory Authority (Finanstilsynet)
- Phone
- +45 70 12 12 12
- [email protected]
Products from IF SKADEFORSIKRING, FILIAL AF IF SKADEFÖRSÄKRING AB (PUBL), SVERIGE
Motor16
Car Insurance (Liability)
Mandatory third-party liability insurance for private passenger cars in Denmark.
Car Insurance (Comprehensive/Casco)
Comprehensive car insurance covering theft, own-damage, and liability for private vehicles.
Electric Car Insurance
Specialised insurance for electric vehicles covering damage, theft, and liability.
Motorcycle Insurance
Insurance for motorcycles covering liability and optional comprehensive damage.
Moped Insurance
Mandatory liability insurance for mopeds and scooters.
Caravan Insurance
Insurance for caravans covering damage, theft and liability.
Trailer Insurance
Insurance for trailers covering damage and liability.
Tractor Insurance
Insurance for tractors and agricultural vehicles.
Company Car Insurance
Comprehensive insurance for company passenger cars including liability and casco.
Van Insurance
Insurance for commercial vans and light goods vehicles.
Truck Insurance
Insurance for trucks and heavy goods vehicles.
Taxi Insurance
Mandatory liability and optional casco insurance for taxis and patient/sick transport vehicles.
Bus Insurance
Flexible liability and casco insurance for all types of buses including city, school and tourist buses.
Work Machine Insurance
Mandatory liability, casco and fire insurance for company work machines such as excavators and forklifts.
Semi-Trailer Insurance
Flexible casco insurance for semi-trailers, with liability covered via the towing vehicle.
Trailer/Dolly Insurance (Commercial)
Insurance for trailers and dollies used with trucks, covering damage to the trailer itself.
Property10
Home Contents Insurance
Contents insurance covering household belongings against theft, fire, and damage, including personal liability.
House Insurance
Building insurance for private homes covering fire, storm, water damage and other perils.
Summer House Insurance
Insurance for holiday and summer cottages covering building and contents.
Commercial Building Insurance
Commercial building insurance covering fire, theft, storm and other property damage for businesses.
Contents Insurance (Commercial)
Commercial contents insurance covering machinery, inventory, and goods against fire, theft and storm.
Single Machine Insurance
Insurance for individual machines and equipment against breakdown and accidental damage.
Wind Turbine Insurance
Specialised insurance for wind turbines covering material damage and business interruption.
Trade Goods Insurance
Covers goods bought and sold by a business that are not covered by standard contents insurance.
Exhibition Insurance
Covers goods, equipment and transport to and from trade fairs and exhibitions worldwide.
Fish Farming Insurance
Flexible insurance for aquaculture businesses covering floating equipment such as rings and nets.
Health7
Accident Insurance
Personal accident insurance covering permanent disability, dental injuries, and treatment costs from accidents.
Adult Insurance
Combined personal insurance for adults covering accidents and other personal risks.
Children's Insurance
Personal accident and protection insurance specifically designed for children.
Health Insurance (Private)
Private health insurance providing access to online doctors, physiotherapists, and psychologists without referral.
Workers' Compensation Insurance
Mandatory workers' compensation insurance covering employees for work-related accidents, disability, and death.
Collective Accident Insurance
Supplement to workers' compensation covering employees, students and volunteers for permanent injury and death.
Corporate Health Insurance
Group health insurance for employees providing access to online doctors, physiotherapists, and psychologists without referral.
Liability14
Commercial Liability Insurance
General liability insurance for businesses covering claims for damage to persons, property or the environment.
Professional Liability Insurance
Covers liability for financial losses suffered by clients due to errors or negligence in professional advice.
Advisor/Consultant Liability Insurance
Professional liability insurance tailored for advisors and consultants covering claims for financial loss due to errors in advice.
Directors and Officers Liability Insurance
Covers board members' personal liability towards shareholders and other stakeholders affected by board decisions.
Product Liability Insurance
Covers liability claims arising from defective products or faulty work delivered to customers.
Transport Liability Insurance
Covers the limited liability of carriers for damage to goods transported on behalf of customers.
Environmental Liability Insurance
Covers liability for environmental damage caused by business operations.
Patent and Trademark Insurance
Covers legal costs and liability in connection with patent and trademark disputes.
Legal Expenses Insurance (Commercial)
Covers legal costs when the business is involved in a legal dispute, whether as claimant or defendant.
Drone Liability Insurance
Mandatory liability insurance for commercially registered drones covering damage to people or property.
Contractor's All Risk / Construction Insurance
All-risks insurance for construction and installation projects covering material damage and third-party liability.
Car Dealer and Garage Insurance
Two-part insurance covering both a dealer/garage's own unregistered vehicles and customers' vehicles in their care.
Lifting Liability Insurance
Covers liability for damage occurring during the lifting of goods, purchasable annually or per single lift.
Liability Package (Ansvarspakken)
A bundled liability package combining commercial liability, professional liability, cyber, product liability, and legal expenses in one solution.
Travel4
Travel Insurance
Annual travel insurance covering medical expenses, evacuation, and assistance abroad (available in Rejse, Rejse Plus and Rejse Super tiers).
Travel Cancellation Insurance
Cancellation cover included in Rejse Plus and Rejse Super tiers, compensating for trip cancellation due to acute illness or accident.
Business Travel Insurance
Travel insurance for business trips covering medical expenses, evacuation, crisis assistance, and combined business/leisure travel.
Expatriate/Posted Worker Insurance
Comprehensive insurance for employees (and accompanying family) temporarily working abroad, including access to an international treatment network.
Financial4
Business Interruption Insurance
Compensates businesses for loss of turnover during a temporary shutdown caused by an insured event.
Online Banking Fraud Insurance
Protects businesses against financial losses from online banking fraud and internet crime.
Crime Insurance
Covers financial losses from fraud, embezzlement, and criminal acts against the business.
Sick Pay Business Interruption Insurance
Protects a business's revenue when the owner or employees fall ill, with customisable payout period.
Other3
Roadside Assistance Denmark
Roadside assistance service covering breakdowns and emergencies across Denmark.
Boat Insurance
Insurance for boats and watercraft covering damage, theft, and liability.
Ship Insurance (Commercial)
Marine insurance for commercial vessels such as fishing boats, ferries and tankers.
Regulatory updates
On 1 July 2025, Topdanmark Forsikring A/S was legally merged into If Skadeforsikring (branch of If Skadeförsäkring AB (publ), Sweden, CVR no. 24203212), with If's Danish head office moving to Topdanmark's former Ballerup address; the combined entity became Denmark's second-largest insurer with roughly 21% market share. Topdanmark Livsforsikring's life/pension business was separately divested to Nordea. In December 2025, Finanstilsynet published a report on its cross-sectoral investigation into If Skadeforsikring's compliance with EU sanctions against Russia under the anti-money-laundering act, assessing the company's inherent risk of breaching the sanctions as low. In 2022, If Skadeforsikring accepted a fine from the National Special Crime Unit (NSK) for violating insurance equal-treatment rules following a police report by Finanstilsynet.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from If for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026
Motor third-party liability
motor third-party liability insurance from If for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026
Travel insurance
travel insurance from If for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026