Companies on Trustpilot can’t offer incentives or pay to hide any reviews.
I have been very lucky with this insurance company. Over the years no trouble at all. Now after a bad car crash, my car was a total right off. Due to no fault of my own. I was badly hit in face and chest. As my airbags did not go off. The insurance have guided me, all being kind and helpful. Through the complex routine. Many thanks to All.
0 stars. We’ve paid Topdanmark diligently every month, yet when our basement flooded due to heavy rains, they refused to cover the damage, claiming it was due to river overflow—not rain. This is a clear excuse to avoid paying us, ignoring the fact that the river would never overflow without heavy rain/cloudburst. Despite multiple emails, we’ve received no response. It’s frustrating to see our hard-earned money funding policies they won’t honour when needed. Avoid Topdanmark; their lack of accountability and customer care is truly disappointing. And now as a response, they will ask that we mail them, and then they don't response. wow. How predictable and pathetic.
Case no. 252451404
I recently purchased indbo insurance with TopDanmark to cover my expensive bike. Initially, I was reassured by their attentiveness and responsiveness when signing up.
After my bike was stolen and I submitted a claim, the process took longer than expected. While they state a response time of 3 working days, it took much longer to get any updates and finally got it processed after 7 working days. I called several times and experienced a range of responses—from being told they were “very busy” with no clear timeline, to some agents continuing to speak in Danish despite my efforts to communicate in English. At one point, I was even hung up on.
That said, they eventually paid out my claim and covered everything according to my policy, which I appreciate. If they had improved their communication and/or provided a quicker processing, it would have been a much smoother experience.
I have a CASCO with TopDanmark for my motorcycle.
They have held their end of the bargain in a theft-and-found case, supporting the repairs.
It wasn't automatic, though. I still had to document and ask for several details during this process; maybe a 4*? But overall, looking back, 5*. :)
Thanks!
Written by the company
Written by the company
Borupvang 4, 2750, Ballerup, Denmark
I have been very lucky with this insurance company. Over the years no trouble at all. Now after a bad car crash, my car was a total right off. Due to no fault of my own. I was badly hit in face and chest. As my airbags did not go off. The insurance have guided me, all being kind and helpful. Through the complex routine. Many thanks to All.
Date of experience: October 18, 2024
I am shocked by Topdanmark's untrustworthy and deceptive approach to insurance. During my trip to Thailand and Vietnam, I was defrauded by an airline and lost my flexible ticket – exactly the kind of situation my travel insurance was supposed to cover, according to their own promise of "all unexpected and unpredictable obstacles." But when I needed help, Topdanmark began rephrasing and paraphrasing their terms. It felt like hidden, American-style clauses and blatant excuses to avoid covering their customers. This should be illegal in the EU!
Topdanmark turned out to be a complete scam – they sell false security, promise coverage they can’t stand behind, and leave their customers stranded when it truly matters. And as if that wasn't bad enough, when I urgently needed medication in Vietnam, their only "help" was to ask me to call a Danish number and pay 300 kr. for the call. Absolutely absurd, especially when one would expect a modern, cost-free solution.
Topdanmark is a farce of an insurance company. They deserve to be shut down and held accountable in court. I can't warn enough against using them as an insurance provider – they offer an illusion of insurance with no real value. Save yourself the hassle, frustration, and money: switch insurance companies immediately!
They should change their name to "Top Scam!" Given that they are partnered with my bank, Nordea Bank, I am now also planning to switch to another bank.
Btw. Looking through the positive reviews here, versus the local dk.trustpilot reviews of this company. It is clear how many fake positive reviews they're posting about themselves. Imagine being such a huge company operating with such low standards, that you have to fake your own reviews to increase your average ratings. The management have clearly no idea how to run a productive company, and are no better than the poor scammers who sits in an office in some third world country. How they sleep a night puzzles me..they should hang their heads in shame..Zero stars if I could!
Date of experience: May 31, 2024
Reply from Topdanmark
Hi Erik.
Thank you for your pleasant review. Unfortunately I cannot find your case, based on it.
If you would like to have me help you, please send us an email to hej@topdanmark.dk with your claim number. I'll then have a look a it.
Best regards Mateusz / Topdanmark
0 stars. We’ve paid Topdanmark diligently every month, yet when our basement flooded due to heavy rains, they refused to cover the damage, claiming it was due to river overflow—not rain. This is a clear excuse to avoid paying us, ignoring the fact that the river would never overflow without heavy rain/cloudburst. Despite multiple emails, we’ve received no response. It’s frustrating to see our hard-earned money funding policies they won’t honour when needed. Avoid Topdanmark; their lack of accountability and customer care is truly disappointing. And now as a response, they will ask that we mail them, and then they don't response. wow. How predictable and pathetic.
Case no. 252451404
Date of experience: September 27, 2024
Reply from Topdanmark
Hi Ruchi,
The insurance does not cover water damage when it comes from a flooded stream as in your case.
When you first contacted us we sent you an e-mail regarding you have to report the damage to Naturskaderådet.
Afterwards you contacted us about the same damage again, and we answered your mails on October 15th and 23rd. The conclusion is still that you need to report the damage to Naturskaderådet, because it is not covered by your own insurance.
We have received your mail from yesterday and we will look into it as soon as possible.
Best regards
Michael, Løsøreskade
Very disappointed about this instance company.
After 4 years they refused to pay for Very serious injury and also for car repairs.
HIGHLY NOT RECOMMEND SOMEONE
Date of experience: November 01, 2024
Reply from Topdanmark
Hi Theodore
Thank you for your review.
Unfortunately, I cannot see your claim based on the information you have provided.
If you send an email to Hej@topdanmark.dk with your claim number, I will look into the matter.
Good day, Kind regards, Kristian / Topdanmark
Jeg bad om et tilbud på en ejerskifteforsikring og blev hurtigt kontaktet, hvilket var positivt. Jeg fik besøg af en agent, som dog primært forsøgte at sælge mig en indboforsikring i stedet. Til trods for den tid, jeg brugte, modtog jeg aldrig det ønskede tilbud på ejerskifteforsikringen.
Samlet set en spild af tid. Jeg ville normalt give 2 stjerner, men på grund af den hurtige respons og høflige interaktioner er det værd at give en ekstra stjerne.
I asked for a quote on change of ownership insurance and was quickly contacted, which was positive. I was visited by an agent who, however, mainly tried to sell me contents insurance instead. Despite the time I spent, I never received the desired quote for the change of ownership insurance.
Overall a waste of time. I would normally give 2 stars, but because of the quick response and polite interactions, I believe it is worth giving an extra star.
Date of experience: September 09, 2024
Reply from Topdanmark
Hej Maddy
Tak for din anmeldelse.
Jeg beklager du aldrig modtog et tilbud på ejerskifte. Nu ved jeg ikke hvad årsagen er, men jeg vil meget gerne undersøge det, hvis du ønsker det?
Hvis du sender en mail til Hej@topdanmark.dk vil jeg kontakte dig.
God dag, Venlig hilsen Kristian / Topdanmark
I recently purchased indbo insurance with TopDanmark to cover my expensive bike. Initially, I was reassured by their attentiveness and responsiveness when signing up.
After my bike was stolen and I submitted a claim, the process took longer than expected. While they state a response time of 3 working days, it took much longer to get any updates and finally got it processed after 7 working days. I called several times and experienced a range of responses—from being told they were “very busy” with no clear timeline, to some agents continuing to speak in Danish despite my efforts to communicate in English. At one point, I was even hung up on.
That said, they eventually paid out my claim and covered everything according to my policy, which I appreciate. If they had improved their communication and/or provided a quicker processing, it would have been a much smoother experience.
Date of experience: September 02, 2024
Reply from Topdanmark
Hi David,
Thanks for your message.
I sincerely apologize for the delayed response regarding your claim. We understand how frustrating this situation must be for you, and we appreciate your patience as we work to resolve it.
We can see that you spoke with our colleague today, and we want to assure you that your case is being prioritized.
If you have any further questions regarding your case, please feel free to contact us.
Kind regards Ruina / Løsøreskade
Very good 😊 she have lots of patience to explain me about my need Tak
Date of experience: September 19, 2024
Date of experience: August 26, 2024
The customer support is very helpful and responsive. I had an issue with my insurance, and it was solved quickly and effectively. 100% recommend.
Date of experience: August 19, 2024
Date of experience: August 27, 2024
Receiving very good information about relevant and important matters.
Date of experience: August 09, 2024
Date of experience: July 24, 2024
At personen var god til at lytte til problemet og løse det
Date of experience: July 11, 2024
Date of experience: June 19, 2024
Date of experience: June 17, 2024
Date of experience: June 10, 2024
Date of experience: June 07, 2024
Date of experience: June 06, 2024
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people write reviews about real companies.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.
