Danish Insurance Firms See Rise in Digital Fraud Cases

Danish insurance firms are witnessing an increase in digital fraud incidents, with a recent analysis of 542 cases revealing that fraudsters are most active during typical working hours. The study, conducted by Købstædernes Forsikring and SAFEonNET, covered the period from April 2025 to March 2026 and found that 83 percent of fraud inquiries occurred between 8 a.m. and 4 p.m.

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When we are at work and are confronted with something that is actually private, but we are in the middle of something else, we might be more inclined to quickly click on a link in an SMS or email. But you have to remember that a package will not disappear because you don't respond before 4 p.m., so you should just take it easy and not let yourself be pressured.

Morten Fruergaard, director of IT and claims at Købstædernes Forsikring, suggests that people may be more susceptible to clicking on suspicious links in texts or emails when they are at work and multitasking. He advises against feeling pressured to respond immediately to such messages, emphasizing that legitimate concerns, like package deliveries, will not disappear if not addressed before 4 p.m.

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There can be a shame associated with it, and that people think it was done foolishly. And I think everyone has tried more or less some form of attempted or successful fraud attack. Many probably think it's no use because only a very small portion of these reports lead to getting your money back.

While an estimated 274,000 Danes experienced digital fraud in 2024, with online shopping scams being the most common, a significant number of victims do not report these incidents. Fruergaard attributes this underreporting to shame and a perception that recovering lost funds is improbable. This lack of reporting means that insurance company data does not fully reflect the widespread nature of digital fraud.

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We help customers limit the damage and regain control of the situation. We offer advice, help with contact with banks and authorities, and support to stop the misuse of personal information and remove fake profiles and offensive content.

However, assistance beyond financial compensation is available. Tryg, another insurance provider, also reports a rise in customer inquiries related to digital fraud and identity theft. They offer support to help clients mitigate damage, regain control, and facilitate contact with banks and authorities. Alm. Brand Group and If Skadeforsikring also note a general upward trend in digital crime affecting a broad spectrum of the population. Tania Schimmel, prevention chief at the Council for Crime Prevention, stresses the pervasive nature of digital fraud and its potential for severe consequences, highlighting that personal information has become a commodity for criminals.

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The digital fraud is everywhere and can have major consequences. Our private information is today a commodity that criminals trade with.