Insurer profile
Købstædernes Forsikring, mutual
Købstædernes Forsikring, mutual · Denmark
Overview
Founded in 1761, Købstædernes Forsikring is a customer-owned (mutual) Danish insurer and one of the oldest existing insurance companies in Denmark, offering a broad range of private and commercial insurance products.
Source42
Products in this market
2
Offer pages
Company details
- Regulator
- Danish Financial Supervisory Authority (Finanstilsynet)
- Phone
- +45 33 14 37 48
- [email protected]
Products from Købstædernes Forsikring, mutual
Motor
Car insurance
Car insurance including both casco and liability cover, with optional roadside assistance.
Caravan insurance
Insurance for caravans with the option to add roadside assistance.
Moped insurance
Moped insurance with casco and liability cover for moped 30 and 45.
Motorcycle insurance
Liability and casco cover for motorcycles, with optional roadside assistance.
Trailer insurance
Theft and fire cover for trailers, with optional roadside assistance.
Business car and transport insurance
Liability and casco insurance covering the company's vehicles.
Commercial trailer insurance
Covers the company's trailers, hitch trailers and hanging carts.
Work machine / tractor insurance
Liability and casco insurance covering the company's work machines and tractors.
Dealer and workshop insurance
Covers liability for fluid/drain plug damage and repair/processing damage for vehicle dealers and workshops.
Property
Boat insurance
Boat insurance covering damage to pleasure boats, including liability cover.
Home contents insurance
Contents insurance for personal belongings, also including ID theft protection.
House insurance
House insurance covering sudden and unexpected damage such as major water damage.
Summer house insurance
Summer house insurance covering fire, storm and burglary.
Building insurance
Covers the company's buildings and fixed building fittings against economic loss from damage.
Property insurance (residential/commercial)
Building insurance for residential properties with up to 25% commercial use or office-only properties.
Business contents insurance
Covers the company's operating equipment - goods, inventory, tools etc.
Business interruption insurance
Covers economic losses from reduced turnover following a covered claim, for up to 24-36 months.
Machinery breakdown insurance
Covers unforeseen damage to the company's machinery.
Construction all-risk (contractor's) insurance
Covers unforeseen damage to the company's building/construction projects.
Construction site insurance
Covers the company's equipment on the construction site, including vandalism and theft of small machinery, containers and site huts.
Goods transport insurance
Covers the company's transport of goods, products and other items.
Exhibition insurance
Covers the company's own unregistered vehicles intended for sale at fairs and exhibitions.
Health
Adult accident insurance
Accident insurance providing a payout for permanent injury after an accident, covering 24 hours a day.
Child accident insurance
Accident insurance for children covering costs such as broken bones, dental injuries or permanent impairment.
Health insurance (private)
Health insurance helping with treatment costs if you become ill.
Private dental insurance
Private dental insurance for spouses/partners and dependent children of employees with a workplace dental scheme.
Business health insurance
Company health insurance, with an optional dental insurance add-on covering up to DKK 30,000/year.
Liability
Business and product liability insurance
Covers claims for damage to persons or property occurring in connection with the business's ordinary operations or delivered products.
Directors and officers liability insurance
Liability insurance for company directors and board members.
Legal expenses insurance (business)
Covers legal costs related to business disputes.
Occupational injury insurance
Mandatory insurance covering employees injured at work, including access to support from the accident patient association.
Travel
Annual travel insurance
Annual travel insurance covering the whole family worldwide for a year, including medical help and repatriation.
Worldwide travel insurance
Extended worldwide cover option for travel outside Europe where the public health card does not apply.
Trip cancellation insurance
Optional add-on covering trip cancellation costs.
Financial
Salary/income protection insurance
Income protection insurance paying out up to 90% of salary for up to 12 months if involuntarily unemployed, including health insurance access.
Crime insurance
Covers financial losses resulting from crime committed against the business.
Sickness business interruption insurance
Covers salary costs for a business owner during sickness or accident to help secure the business's future.
Pet
Pet insurance
Pet insurance helping cover vet bills for dogs, cats, rabbits and hamsters, including online vet access.
Dog insurance
Dog insurance including sickness/accident cover, liability, and figurant cover for training/competitions.
Cat insurance
Cat insurance covering vet expenses for sickness and accidents throughout the cat's life.
Regulatory updates
Finanstilsynet has issued several orders to Købstædernes Forsikring in recent years. In May 2023 the authority ruled that the company had conducted insurance business without the required license since January 2016 and ordered it to legalize the matter. In November 2023 it was ordered to comply with the investigation order regarding surveillance of injured parties, and in September 2024 it was ordered to properly establish customers' needs and requirements before online sales of home contents insurance. In December 2025, following a cross-sectoral investigation into compliance with EU sanctions against Russia, Finanstilsynet found the company's inherent risk of breaching the sanctions to be low and the review did not lead to supervisory reactions.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from KF Forsikring for the Denmark market, with online purchase.
Last verified Sep 1, 2026
Travel insurance
travel insurance from Købstædernes Forsikring for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026