Submit a claim / Premium refunds

Premium refunds

Please be aware that claims for premium refund in accordance with the Danish statute of limitations are statute-barred 3 years from the 28th March 2019, where all insurances became void. I.e. the deadline for lodging a claim for a premium refund to the bankruptcy estate is 28th March 2022.

If you want to lodge a claim for a premium refund to the bankruptcy estate. You must send an e-mail to debts@poulschmith.dk with proper documentation attached in form of a copy of your policy and proof of payment of the premium.

After you have lodged a claim for a premium refund using the e-mail address, you will receive a confirmation e-mail to the e-mail address you have stated in the e-mail.

When the bankruptcy estate have handled the claim for a premium refund, you will receive a confirmation that the claim has been handled/registered in the register of debts in the bankruptcy estate.

Please be aware that receipt of 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 to be received by a creditor when all claims cannot be fully satisfied. Full compensation from the bankruptcy estate cannot be expected.


Submit a claim

The Danish Guarantee Fund and the bankruptcy estate is currently in contact with the claims handlers 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.

New claims

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.

Existing claims

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 setup 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.

Rejected claims

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 is now available at this site – click here to file a claim.