Case 1: Legal Aid Refused

Violations

Case Description (EN)

The Claimant has an ongoing court case against the previous property owner (Case 3 — foundation cracks). As part of this lawsuit, the Claimant applied for legal aid coverage from their home insurance with Tryg.

Tryg's Handling

Tryg refused to cover legal aid for the court case. The refusal is remarkable because:

1. Legal aid is a standard coverage in Danish home insurance policies — it normally covers legal fees and court costs in civil disputes about real property
2. The case has obvious legal relevance — it concerns undisclosed massive structural defects in a property sale, a classic real estate dispute
3. Tryg's refusal forces the Claimant to self-fund the lawsuit — a significant financial burden that can effectively prevent access to the court system

Key Issues

1. Legal aid denied without adequate justification: Tryg refused coverage for a case that falls squarely within the normal scope of legal aid insurance
2. Circular reasoning: Tryg's reasoning creates a situation where it is practically impossible to obtain legal aid coverage — regardless of the case's nature or merit

Outcome

Complaint filed with the Danish Insurance Complaints Board regarding Tryg's refusal of legal aid coverage.