Submit a claim / premium refunds
A webformular for submitting claims for premium refund will be available at this site in February 2019.
The webformular is both for claims against the Danish Guarantee Fund and the bankruptcy estate.
The webformular will ensure that the Danish Guarantee Fund and the bankruptcy estate receive all necessary information to handle your claim for premium refund.
Therefore, please wait until the webformular is ready to submit a claim for premium refund.
Please be aware that there are no deadlines – except of limitation and deadlines according to the policy – for filing a claim for premium refund.
Submit a claim
The Danish Guarantee Fund and the bankruptcy estate is currently in contact with the claims handler about continuation of the claims handling. Therefore, until further notice please report new claims and direct questions about existing claims to the relevant claims handler.
The claims handlers will report all approved claims directly to the Danish Guarantee Fund and the bankruptcy estate. Therefore, you should not notify your claim again either to the Danish Guarantee Fund or the bankruptcy estate directly. You might be aware of that the Danish Guarantee Fund only provide coverage for claims reported before the expiry of the 20. June 2019. Claims reported after this date will be against the bankruptcy estate.
If you want to report a new claim, you must report the claim in accordance with the procedure described in your insurance policy and not directly to the Danish Guarantee Fund or the bankruptcy estate.
Please contact your claims handler as stated in your policy.
You might be aware of that all insurances will end the three months after the notice of the bankruptcy decree in the Danish Official Gazette, i.e. after the expiry of the 28 March 2019. All claims occurred after the 28 March 2019 date will be rejected by the claims handler.
If you have questions about an already reported claim, please contact the relevant claims handler.
An overview of the claims handlers with contact information will appear on the website as soon as possible.
Payment of claims
If your claim is covered by the Danish Guarantee Fund, the Danish Guarantee Fund will provide coverage of the claim.
The Danish Guarantee Fund will set up a payment flow with the claims handlers directly, so the claims handlers can receive funds to pay claims. You may expect that it will take about 1-2 month until the Danish Guarantee Fund has set up the payment flow with the claims handlers.
Please be aware of that the Danish Guarantee Fund cannot make any payments until the payments flow is up running. We hope for your understanding.
If your claim is not covered by any guarantee fund, the claim will be against the bankruptcy estate. Please be aware of, that the bankruptcy estate cannot pay any claims currently. The trustee is obliged to validate each claim before providing payment, which will take some years.
In any event, compensation from the bankruptcy estate is subject to considerable uncertainty, given that the overview of the expected dividend still needs to be established. Dividend meaning the proportionate share received by a creditor when all claims cannot be fully satisfied. Full compensation from the bankruptcy estate cannot be expected.
If the claims handler has rejected your claim for damage and you do not agree on with the claims handler’s decision, you may file a claim on web formula for rejected claims.
The webformular will be available at this site in February 2019.