TERMS AND CONDITIONS OF INSURANCE IDA Forsikring offers - in collaboration with Tryg Forsikring A/S, Topdanmark and Dansk Tandforsikring – insurance with good coverage at a low price. IDA Forsikring offers IDA members the following insurance products: Tryg Forsikring Accident Insurance Building Insurance Car Insurance Caravan Insurance Child Insurance Dog Insurance Home Contents Insurance Holiday Home Insurance Moped Insurance Motorcycle Insurance Student Internship Insurance Trailer insurance Travel insurance Topdanmark Forsikring Group Life Insurance Health Insurance Supplemental Unemployment Insurance Dansk Tandforsikring Dental Insurance Familiar with the terms and conditions When you sign an insurance agreement, you are entitled to get the insurance terms and conditi- ons and factsheet of the insurance products you’re buying. It is a good idea to read them before signing the agreement, so you are com- pletely familiar with the contain of the insurance. Click on idaforsikring.dk/betingelser, and you will find all our fact sheets, product information, including terms and conditions of insurance. FEES AND CHARGES We charge the following fees together with the insurance premium: We do it, except for fee billing, on behalf of the State. Storm surge and windfall forest damage The purpose of this fee is to cover storm surge or windfall forest damage. The annual amount is DKK 40 added to home contents-, building- and holiday home insurance policies. Contribution to the Danish Guarantee Fund It is a contribution that covers the possible future liquidation of an insolvent non-life insurer. The annual contribution is DKK 40 added to car-, motorcycle-, and building insurance policies. Environmental tax It goes to a fund to compensate car owners when they scrap their cars. The annual amount is DKK 84 added to a car insurance policy. Insurance premium tax Taxation applies to all our non-life insurance products. The tax is 1.1 per cent of the premium. You pay when you take out a new insurance policy or modify an existing one, and otherwise every year on renewal day. No tax applies to liability on motorcycle-, and moped insurance. page 2 of 4
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