Frequently asked questions
How much does it cost to use Protecta?
At Protecta, we work by the principle of no cure, no pay.
If we believe you have a strong case, you only pay a portion of the additional compensation we secure for you:
20% commission on additional compensation above DKK 25,000
Fixed fee of DKK 5,000 on additional compensation below DKK 25,000
If we don’t improve your compensation – you pay nothing.
What if you don’t think my case is strong – but I still want you to try?
If we assess that your case has little or no chance of success, and you still want us to pursue it, we’ll work at an hourly rate of DKK 1.495.
You can choose to pay in instalments – one monthly payment at a time, based on the work we do. That way, you keep your costs manageable.
Who negotiates with the insurance company?
We do – we handle the dialogue, the negotiations, and all the legal back-and-forth with the company.
You won’t have to argue, explain, or document more than necessary – we’ll take care of that for you.
What if I’ve already been denied by my insurance company?
That’s not a problem. Many of our cases start after a rejection.
We’ll review the denial and assess whether there’s a basis to move forward.
In many cases, a claim can be reopened – especially if the rejection lacks justification, proper documentation, or goes against current law.
How do I know if you can help with my case?
Just send us your documents and a brief description using our form.
Within a few days, we’ll assess whether you have a valid case – and whether we believe we can improve your compensation.
It’s completely free and without obligation.
7 key insides - did you know..?
1. That a cracked ceramic glass cooktop is often covered by your glass insurance – even if you dropped something on it yourself?
Many glass insurance policies cover fixed glass and ceramic cooktops – even in the event of accidental damage.
However, coverage always depends on your insurance provider’s specific terms and conditions.
2. That an insurance company is not allowed to reject your claim without providing a written explanation?According to the Insurance Contracts Act and fair practice guidelines, any denial must be in writing and clearly justified.
3. That your travel insurance often covers illness before your trip – not just during the journey?
Cancellation coverage (often included in travel insurance) typically applies in cases of acute illness before departure, as long as proper medical documentation is provided.
Always check your provider’s terms for details.
4. That you have the right to reopen a denied insurance claim if new information comes to light?
The Danish Insurance Contracts Act allows for a claim to be reopened if new facts emerge or if there were errors in the original assessment.