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Insurance Claims: How Tryg Made Repair the Default Choice

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Enabling Circularity Through Insurance

Can an insurance company make repair the default choice across the entire supply chain?

Søren Frederiksen from Tryg explains how a repair-first claims policy was built and scaled across Denmark, starting from a market where nine out of ten damaged car bumpers were replaced instead of repaired.

What you'll hear in this episode:

  • Why repair in insurance claims is rarely more expensive than replacement, and often reduces cost, CO2 emissions, and improves customer satisfaction at the same time.
  • How cross-country benchmarking data created the proof of concept that got workshops and suppliers on board.
  • What it took to change an industry default: financial incentives per repaired item, access to training, and continuous follow-up.

    • You’ll also learn why making repair financially attractive for suppliers, not just environmentally preferable, is what moves adoption in practice.

    This is the second episode in the series Enabling Circularity Through Insurance. The series looks at the concrete levers insurance companies hold, from risk assessment and advisory services to product design and claims policies, and how these can enable circularity.

    People

    Søren Frederiksen, Director, Sustainable Supply Chain at Tryg
    https://www.linkedin.com/in/s%C3%B8ren-frederiksen-29647a52/

    Patrick Hypscher, Circular Business Strategist, PaaS Expert

    https://www.linkedin.com/in/hypscher/

    Chapters

    00:00 Intro
    02:58 Introduction to Tryg
    04:06 Repair in the Claims Process
    08:02 Benefits of Repair First
    12:48 Case Study: Car Bumper Repairs
    16:34 Scaling Repairs with Data and Collaboration
    19:06 Barriers, Outlook and Beyond Repair

    About

    Tryg A/S is a Scandinavian insurance company present in Denmark, Norway, Sweden and Finland. The company is the largest provider of general insurance services in the Nordic countries.

    Further Links

    Know more about Tryg: [https://tryg.com/sites/tryg.com/files/2025-01/Annual Report 2024 - TRYG AS.pdf](https://tryg.com/sites/tryg.com/files/2025-01/Annual Report 2024 - TRYG AS.pdf)

    One-page Summary

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