Press Kit

Press Kit (EN)

Summary (for quick publication)

A Danish consumer documents how Gjensidige Forsikring systematically rejects legitimate insurance claims. Across 6 title insurance cases, 8 violation types at Gjensidige (16 instances) and 1 at Tryg (2 instances) have been identified — including, in my assessment, GDPR breaches, an assessor's mandate changed after the inspection, and 229 days to decision (approx. 178 of them without any contact). Of claims exceeding 273,000 DKK (approx. EUR 37,000), only 4,650 DKK was paid (1.7%). An additional 2 cases against Tryg document systematic refusal of legal aid coverage.

Key Facts

The Story in Headlines

"Gjensidige's Compliance Department Sent a Password in Plaintext Email" Gjensidige's own compliance department sent a document password unencrypted in an email. In my assessment, this is contrary to GDPR Article 32, and it has been reported to the Danish Data Protection Agency. The password followed a predictable pattern (company name + year).

"229 Days to Decision — approx. 178 Days of Silence from Gjensidige" An asbestos case was filed on 21 May 2025. Gjensidige did not respond until 5 January 2026 — after approx. 178 days without a word from the company.

"Gjensidige Changed the Assessor's Mandate AFTER the Inspection" 16 days after an inspection, Gjensidige's case system records the assessor's brief as changed from "inspection" to "asbestos mapping" — the report was then used as evidence against the customer.

"Four Cases in Two Square Meters: How Gjensidige Fragments Damages" Four physically connected damages (foundation, asbestos, basement floor, sewage) in the same 2×3 meter area were split into four separate cases. They were handled separately — without the connection appearing from the reports.

"Gjensidige Dismisses Municipal Order as 'Standard Letter'" Syddjurs Municipality issued a legally binding repair order. Gjensidige called it a "standard letter" and asked the customer to pay 10,000 DKK to prove what the municipality had already established.

Background

All cases concern the same property in Eastern Jutland, Denmark. The owner discovered after purchase a series of hidden defects — from electrical problems and roof damage to massive foundation cracks, asbestos in the soil, and sewer breaks.

The property was covered by a title insurance policy with Gjensidige and a home insurance policy (including legal aid) with Tryg. Over a period from June 2024 to January 2026, the owner filed 6 claims with Gjensidige and 2 with Tryg.

The 8 cases reveal a pattern of systematic rejections that, in my assessment, extends beyond individual case handling.

About the Insurers

Gjensidige Forsikring is a Norwegian-based insurance company (Oslo Børs: GJF) with significant operations in Denmark, Sweden, and the Baltic states. The company reported gross written premiums of NOK 33.5 billion in 2024. In Denmark, Gjensidige sells title insurance policies through the "ejerskifteforsikring" product, designed to protect homebuyers against hidden defects.

Tryg Forsikring is one of Scandinavia's largest non-life insurance companies (Nasdaq Copenhagen: TRYG), with operations in Denmark, Norway, and Sweden. Tryg's home insurance includes legal aid coverage ("retshjælpsforsikring") for policyholders involved in legal disputes.

Documentation

All material on this website is based on: - Gjensidige's own rejection letters and emails - Assessor reports commissioned by Gjensidige - Municipal orders from Syddjurs Municipality - Independent building expert reports - Formal complaints filed with the Danish Insurance Complaints Board - Laboratory results (asbestos tests) - Photos and documentation from the property

Nothing on this website is speculation. All claims are documented with original source material.

About This Website

gjensidige-svigt.dk was created by the affected policyholder as a public record of systematic problems in Danish insurance. The website has no commercial interest and receives no external funding.

Its purpose is: 1. To document systematic patterns in the insurance industry 2. To make information accessible to journalists, consumer authorities, and the public 3. To contribute to the debate on consumer protection in the insurance sector

International Context

Denmark is consistently ranked among the world's least corrupt nations. Yet its insurance complaint system relies primarily on an advisory board (Ankenævnet for Forsikring) whose decisions insurers can choose to ignore. When insurers systematically deploy the techniques documented here — fragmentation, Catch-22 constructions and mandates changed after the inspection — the gap between Denmark's reputation and reality in consumer protection becomes apparent.

Contact

For press inquiries, additional documentation, or interviews: morten_hansen51@yahoo.dk

All inquiries answered within 24 hours.

Terminology Guide (for international journalists)