Casco (own-damage car insurance) — Denmark

[1] Own damage: Covered ↩

Covers damage to the policyholder's own vehicle from accidents, theft, vandalism, fire, and other incidents excluding those specifically exempted in the terms.

[2] Total loss: See details ↩

No specific total-loss settlement amount or method is stated in the available sources; compensation follows the policy's general casco terms.

[3] Partial loss: Covered ↩

Repairable damage to the vehicle caused by accident, fire, theft or vandalism is covered under casco, subject to exclusions in the terms.

[4] Theft & robbery: Covered ↩

Casco covers theft of the vehicle, subject to exclusions specifically stated in the terms.

[5] Glass damage: Optional ↩

Glass repair is covered with no deductible; glass replacement carries a deductible of DKK 1,500. This is an optional add-on that can be selected to reduce the deductible on glass-damage claims.

[6] Natural perils: See details ↩

No specific statement on coverage for weather-related/natural perils was found in the available sources.

[7] Vandalism: Covered ↩

Casco covers vandalism (hærværk) to the vehicle, subject to exclusions specifically stated in the terms.

[8] Roadside assistance: Optional ↩

Roadside assistance can be added with up to 3 annual interventions provided by SOS DAH (Dansk Autohjælp), with no deductible.

[9] Replacement vehicle: Optional ↩

A replacement vehicle ('DinEkstraBil') can be rented via SOS DAH Dansk Autohjælp; pricing and conditions for the rental are set out in the rental agreement.

[10] Driver accident: See details ↩

Not confirmed in the official ABC terms/IPID retrieved; third-party sources reference an optional driver accident cover relevant in single-vehicle accidents, but this could not be verified against ABC's own documents.

[11] Own damage: Covered ↩

Kasko covers all damage to the insured car and loss of the car through theft or robbery, subject to exclusions listed in the terms (e.g. gross negligence, driving under influence of alcohol/drugs, driving without a valid licence, wear and tear).

Forsikringen dækker alle skader på bilen og tab af bilen ved tyveri eller røveri.

[12] Total loss: Covered ↩

If repair cost exceeds the threshold set by the Danish Ministry of Taxation, the car is declared a total loss and settled in cash, capped at the car's market value (handelsværdi); the damaged car then becomes the property of Alm. Brand. Privately owned cars under 1 year old with repair costs exceeding 50% of new value can instead receive new-value replacement.

Bilen bliver ikke repareret, hvis den udgiftsgrænse, der er fastsat af Skatteministeriet, overskrides. Er det tilfældet, erklæres bilen totalskadet, og skaden opgøres som kontanterstatning.

[13] Partial loss: Covered ↩

The car is repaired to the same condition as before the damage; Alm. Brand chooses the repair workshop. Cosmetic differences after repair (e.g. paint, interior, mismatched rims) and reduction in resale value are not covered under this item.

Ved reparation skal bilen sættes i samme stand som før skaden. Vi har ret til at vælge reparatør.

[14] Theft & robbery: Covered ↩

Loss of the car through theft or robbery is covered; if the car is not recovered, cash settlement can only be calculated 4 weeks after the claim has been reported to Alm. Brand and the police. Theft/robbery claims are treated as deductible-free 'free losses' and do not worsen the bonus level.

Ved tyveri og røveri, hvor bilen ikke genfindes, kan erstatningen tidligst opgøres, 4 uger efter at vi og politiet har modtaget anmeldelsen.

[15] Glass damage: Optional ↩

Optional add-on to Kasko. Glass repair (e.g. windscreen, headlight glass, mirror glass) is deductible-free; glass replacement carries a deductible of DKK 1,581 (2019 index). Reporting a glass claim does not cost an extra year on the current bonus level (trin 1-6).

Ved skader der kun sker på bilens glas, f.eks. ruder, lygteglas eller spejlglas, opkræver vi en selvrisiko* på 1.581 kr. (indeks-2019).

[16] Natural perils: Covered ↩

Kasko covers all damage to the car (clause 3.2), so sudden weather-related damage such as storm, hail or flood is included. Only earthquakes and other natural disturbances are excluded (1.3.3.2), along with gradual weather effects such as corrosion, rust and frost damage, and normal ageing or wear (3.2.4).

Forsikringen dækker alle skader på bilen og tab af bilen ved tyveri eller røveri.

[17] Vandalism: Covered ↩

Kasko covers damage from vandalism (hærværk) to the car. Series vandalism (seriehærværk) affecting 3 or more cars in the same incident, confirmed by the police, is treated as a deductible-free 'free loss' that does not worsen the bonus level; ordinary single-car vandalism is covered but does not receive the same free-loss treatment.

Forsikringen dækker alle skader på bilen og tab af bilen ved tyveri eller røveri.

[18] Roadside assistance: Optional ↩

Optional add-on covering roadside car assistance (starting help, wheel change, lock-out, fuel delivery, towing/free-pulling) and person transport in Denmark and, with special terms, the rest of Europe. Separately, Redningsforsikring i udlandet (rescue insurance abroad) for cars/vans up to 3,500 kg is automatically included at no extra charge whenever Kasko or Delkasko is purchased.

Alm. Brand Vejhjælp dækker bilassistance og persontransport.

[19] Replacement vehicle: See details ↩

No replacement/loaner vehicle benefit is mentioned anywhere in the terms and conditions or IPID for this product. Transport costs to a repairer, or of the recovered car, are covered under Kasko, but this is distinct from providing a substitute vehicle.

[20] Driver accident: Optional ↩

Optional add-ons: Førerulykke covers permanent injury or death of the driver in single-vehicle accidents where no liable third party exists; sums insured are stated in the policy. If the deceased leaves no spouse/partner, documented funeral costs are covered up to DKK 32,758 (2019 index). Udvidet Førerulykke additionally covers treatment costs, loss of earnings, pain and suffering, loss of earning capacity and dependants' loss.

Førerulykkesforsikringen dækker ved eneulykker, hvor føreren ikke har mulighed for at få erstatning fra en ansvarlig skadevolder, en ansvarsforsikring eller tilsvarende forsikring/ordning.

[21] Own damage: 100% of insured sum ↩

Casco covers any damage to, and loss by theft of, the insured vehicle up to the sum insured stated on the policy; the company may settle in cash, by replacement, or by repair. Ancillary sub-limits apply: tools used only with the car up to DKK 5,000, and spare parts (fire/water damage and burglary theft only) up to DKK 25,000.

værktøj i almindeligt omfang er dækket, når det alene anvendes i forbindelse med den forsikrede bil, og i så fald med maksimalt 5.000 kr.

[22] Total loss: 100% of insured sum ↩

If the claim is settled in cash, or if the car is not recovered within 4 weeks of a theft being reported to police and the insurer, compensation is fixed at the amount a car of similar age and condition could be acquired for. Loss-of-use compensation is not paid.

Afsavnstab erstattes ikke.

[23] Partial loss: 100% of insured sum ↩

The vehicle is repaired to the condition it was in before the damage where possible; the insurer may designate the repairer and parts supplier. Increased costs from out-of-hours repair and any resulting reduction in trade value are not compensated; betterment from necessary replacement of worn/corroded parts is deducted from the payout.

Forøgede udgifter ved reparation foretaget uden for normal arbejdstid, samt eventuel forringelse af køretøjets handelsværdi som følge af reparationen, erstattes ikke. Medfører reparationen en forbedring af køretøjet, eksempelvis ved nødvendig udskiftning af slidte eller tærede reservedele, betaler du selv den del af reparationsudgiften, der svarer til den skete forbedring.

[24] Theft & robbery: 100% of insured sum ↩

Casco covers loss of the vehicle by theft. Key re-coding costs after theft of the vehicle's key(s) are covered if the insurer assesses there is a theft risk. No deductible applies specifically to theft of the vehicle. Theft must be reported to the police immediately.

ved tyveri af bilens nøgle(r), dækkes udgifter til omkodning af nøgler, såfremt vi vurderer, at der er risiko for tyveri af bilen

[25] Glass damage: 100% of insured sum ↩

Glass breakage is covered under the general casco cover as an ordinary damage event; the terms do not set out a separate glass sub-limit or reduced deductible for glass claims on this veteran-vehicle product. Cosmetic paint stone-chips are explicitly excluded.

[26] Natural perils: 100% of insured sum ↩

Fire, explosion and direct lightning strike are covered as casco perils. However, damage caused by earthquake or other natural catastrophes, war, terrorism, riot and civil commotion, or nuclear energy release is excluded, unless the policyholder can show the circumstance was immaterial to the loss.

skade, som følge af jordskælv eller andre naturkatastrofer, krig, terrorisme, oprør og borgerlige uro ligheder samt udløsning af atomenergi.

[27] Vandalism: 100% of insured sum ↩

Vandalism to the vehicle is covered under casco as a form of damage to the car; the policyholder must report vandalism to the police immediately.

Hærværk på og/eller tyveri af/fra køretøjet skal omgående anmeldes til politiet.

[28] Roadside assistance: Optional ↩

Roadside assistance is sold as an add-on ('Tilvalgsforsikring'); it is only active if selected and shown on the policy. Delivered via SOS Dansk Autohjælp, covering breakdown/accident towing, start help, wheel change, door opening, and limited hotel/onward-travel costs in Denmark and Europe (excl. Faroe Islands and Greenland) for vehicles under 3,500 kg.

Aros Autohjælp PLUS er gældende i Danmark og Europa (med undtagelse af Færøerne og Grønland), for biler under 3.500 kg. tilladt totalvægt (total teknisk vægt).

[29] Replacement vehicle: Excluded ↩

The terms explicitly state that loss-of-use compensation ('afsavnstab') is not paid, and no replacement/loan vehicle benefit is provided under this veteran-vehicle casco product.

Afsavnstab erstattes ikke.

[30] Driver accident: DKK 500,000 – DKK 1,000,000 ↩

Pays out only if the driver cannot obtain compensation from a liability, occupational-injury, accident or similar insurance/scheme, and only when the insured car was the sole motor vehicle involved in the accident. Sum insured is DKK 500,000 on death and DKK 1,000,000 on permanent disability; disability is paid from a 5% degree of impairment, with double compensation where the degree reaches 30% or more.

Forsikringssum ved død udgør 500.000 kr. • Forsikringssum ved invaliditet udgør 1.000.000 kr.

[31] Own damage: Covered ↩

Kasko covers damage to the insured car (and permanently fitted accessories/factory AV equipment), including theft and robbery, with settlement either by repair or cash payment based on the last known purchase price of a comparable car.

Skader på bilen, herunder tyveri* og røveri*.

[32] Total loss: Covered ↩

If a car is settled as a total loss, cash compensation equals the purchase price for a comparable car (same make, model, type, age and condition). New-value replacement applies to non-leased passenger cars if the car was factory-new at policy inception, the damage occurs within one year of first registration, and repair costs exceed 50% of the car's new value; demo cars with max. 6,000 km driven qualify under the same conditions if only registered to the dealer.

Erstatningen fastsættes til den kontante købspris for en tilsvarende bil, det vil sige samme mærke, model, type, alder og stand.

[33] Partial loss: Covered ↩

Codan repairs the car to its pre-damage condition (or settles in cash if repair is uneconomical), excluding loss of resale value, replacement of worn/corroded parts, cosmetic mismatch between parts, and out-of-hours repair surcharges.

Vi dækker ikke - forringelse af bilens handelsværdi* som følge af reparationen - udskiftning af slidte eller tærede dele - kosmetiske uligheder mellem ubeskadigede og erstattede dele - ekstraudgifter til reparation uden for normal arbejdstid.

[34] Theft & robbery: Conditional ↩

Kasko covers theft and robbery of the car; if the car is not found within four weeks of reporting, cash compensation is paid. If Codan has required an approved immobilizer and tracking system in the policy, cover is conditional on it being installed, activated, transmitting to an approved control centre, and the car being locked with keys removed and stored securely.

Ved tyveri* af bilen er det en betingelse for at få dækning, at: - der er monteret en startspærre og et genfindingssystem, der er godkendt af Codan

[35] Glass damage: Covered ↩

Damage to the car (including windows) is covered under Kasko as part of comprehensive own-damage cover; reparable stone-chip windscreen damage is exempt from deductible if Kasko or Delkasko is chosen; a special (higher) deductible applies if the windscreen must be replaced rather than repaired.

Hvis reparation ikke er mulig, og forruden skal skiftes, betales den for Kasko gældende selvrisiko. Er Udvidet glas valgt, betales dog den selvrisiko, der gælder for Udvidet glas.

[36] Natural perils: Excluded ↩

Damage caused by natural catastrophes such as earthquakes is excluded under the general terms, and Kasko separately excludes damage caused by weather and wind, e.g. frost damage or corrosion/rust.

skader, der skyldes vejr og vind, fx frostsprængning eller rusttæring

[37] Vandalism: Covered ↩

Vandalism damage is covered under Kasko as part of the general 'damage to the car' cover (it is not among the listed exclusions), and is explicitly covered under Delkasko and under the optional zero-deductible cover (Selvrisikosikring).

skader på bilen ved hærværk*

[38] Roadside assistance: Optional ↩

Optional add-on covering breakdown/accident assistance (towing, jump-start, tyre change, fuel delivery, lock-out, recovery, continued journey costs) for cars under 3,500 kg, sold in two variants (with or without trailer/caravan). One assistance is given per incident; cover applies throughout Denmark (excluding Greenland and the Faroe Islands) and, on special terms, in countries covered by the Red Card scheme.

Vejhjælp gælder overalt i Danmark, undtagen Grønland og Færøerne. Derudover dækker vi i de lande, der er omfattet af Rødt Kort-ordningen med særlige vilkår.

[39] Replacement vehicle: Excluded ↩

Roadside assistance (Vejhjælp) explicitly does not cover the cost of a replacement car, and Kasko's foreign rescue cover does not cover vehicle rental costs for cars with a total weight between 3,000 and 3,500 kg driven abroad.

Vi dækker ikke udgifter til af- og pålæsning samt udgift til erstatningsbil.

[40] Driver accident: Optional ↩

Optional add-on covering personal injury to the car's own driver in accidents where no other motor vehicle is involved, including boarding/alighting injuries; compensation follows the Danish Liability for Damages Act (loss of earnings, medical costs, pain and suffering, permanent injury, loss of earning capacity, dependants' loss, funeral costs).

fysiske skader på bilens fører ved kørselsuheld, hvor ingen andre motordrevne køretøjer er indblandet

[41] Own damage: Covered ↩

Kasko cover pays for damage to the insured car itself, e.g. collision, fire, short-circuit, explosion or falling objects. Claims are cash-settled at the price a comparable used car of the same age and condition would cost; the exact deductible varies by chosen package (Standard/Plus/Super).

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri. […] Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at forsikringsselskabet og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling, jf. nedennævnte afsnit om nyværdierstatning.

[42] Total loss: Covered ↩

If the car is declared a total loss, compensation is cash-settled at the price a comparable used car of the same age and condition would cost. If the car had driven no more than 5,000 km when the policy took effect, new-value compensation up to the documented purchase price applies instead (not for leased cars).

Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at forsikringsselskabet og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling, jf. nedennævnte afsnit om nyværdierstatning. […] For biler registreret til privat personkørsel, herunder skolevogne, har forsikringstageren ret til en erstatning, der svarer til prisen for en tilsvarende fabriksny bil af samme fabrikat, type og årgang som den beskadigede, samt et tillæg for værdien af det fastmonterede tilbehør, bilen måtte være blevet forsynet med efter registreringen, hvis: skaden sker indenfor det første år efter bilens første registrering, den beskadigede bil var fabriksny, da forsikringen blev oprettet eller ændret, og reparationsomkostningerne overstiger 50 % af bilens nyværdi (inklusive leveringsomkostninger og fastmonteret tilbehør på skadetidspunktet). […] Nyværdierstatning i henhold til ovenstående kan ikke opnås for leasede biler.

[43] Partial loss: DKK 20,000 ↩

Repair costs for partial damage are covered; spare parts are covered up to a maximum of DKK 20,000 per claim (not indexed), factory-fitted extra equipment is covered up to DKK 15,000 per claim (can be increased for an extra premium), and only one transport to a workshop per claim is covered.

[44] Theft & robbery: Covered ↩

Theft and robbery of the car are covered. If the car is not found within four weeks of Coop and the police receiving the theft report, cash compensation is paid instead, calculated at the price a comparable car of the same age and condition would cost.

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri. […] Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at forsikringsselskabet og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling, jf. nedennævnte afsnit om nyværdierstatning.

[45] Glass damage: Conditional ↩

Glass damage (e.g. stone chips) is repaired without deductible automatically in the Plus and Super packages, and replacement of glass carries a special, lower deductible. Standard-package customers can add this cover as a paid optional extra ('udvidet glasskadeforsikring').

Glasskader - hvis du får en skade på bilens ruder, glastag, lygteglas eller glasset i sidespejlene. Ved udskiftning af forrude og/eller glastag skal du dog selv betale en mindre selvrisiko .

[46] Natural perils: See details ↩

No explicit statement of storm, flood or other weather-related peril cover was found in the reviewed official sources; only fire, lightning, explosion and falling objects are explicitly named as covered non-collision perils.

[47] Vandalism: Covered ↩

Vandalism (hærværk) is a covered peril under kasko: even damage limited to the car's mechanical, electrical or electronic parts, which is normally excluded, remains covered if caused by vandalism, fire, lightning, explosion, theft or robbery. The Super package additionally removes the deductible for such damage via the 'Friskade' feature.

Skade, der opstår i bilens mekaniske, elektriske og/eller elektroniske dele, medmindre sådan skade er overgået bilen ved brand, eksplosion, kortslutning, lynnedslag, tyveri, røveri, hærværk eller er sket under transport på eller ved hjælp af andet befordringsmiddel. Medfører skaden beskadigelse på andre dele af bilen, er skaden på disse dele dog dækket.

[48] Roadside assistance: Optional ↩

Optional roadside assistance covering jump-start, flat-tyre help and towing, valid throughout Europe, with a one-hour response guarantee — if help does not arrive within an hour, a full year's roadside-assistance premium is refunded.

[49] Replacement vehicle: Covered ↩

If a comprehensive (kasko) claim is accepted, a daily cash allowance (DKK 340/day, 2024 level) is paid towards a replacement car while repairs are ongoing, for up to 28 days (not payable for glass-only claims, with up to 5 extra days for paintwork). Alternatively, a class-A rental car (no tow bar) can be hired from the insurer at a reduced daily rate (DKK 218/day, 2024 level) for an unlimited rental period, subject to a refundable deposit.

[50] Driver accident: DKK 688,000 ↩

Driver accident insurance is always included in every package. It pays up to DKK 688,000 (2024 level, reduced from age 68) for permanent invalidity, DKK 521,000 (2024) on death leaving a spouse, DKK 20,744/year (2024) per surviving child until age of majority, DKK 340/day (2024) during the repair period of a covered kasko claim, and up to DKK 26,914 (2024) towards funeral costs. Amounts are index-adjusted annually.

[51] Own damage: Covered ↩

Kasko covers damage to the insured vehicle including collision, fire, storm, theft and vandalism, plus permanently fitted extra equipment; non-factory-fitted equipment (e.g. sound systems) is capped at DKK 28,009 (2022 level).

Forsikringen dækker, hvis der sker en skade på din bil – inkl. fastmonteret ekstra udstyr – som følge af fx et færdselsuheld, brand, storm, tyveri eller hærværk.

[52] Total loss: Covered ↩

Kasko provides compensation if the vehicle is stolen or totally damaged (totalskadet); no fixed monetary limit is stated, and customers are advised to weigh the vehicle's value against the cost of replacing it themselves if uninsured.

Du skal holde bilens værdi og forsikringens pris op mod hinanden – men du skal også se på, om du har råd til selv at erstatte bilen, hvis den bliver stjålet eller totalskadet.

[53] Partial loss: Covered ↩

Kasko covers repair costs for damage to the car from events such as traffic accidents, fire, storm, theft or vandalism.

Forsikringen dækker, hvis der sker en skade på din bil – inkl. fastmonteret ekstra udstyr – som følge af fx et færdselsuheld, brand, storm, tyveri eller hærværk.

[54] Theft & robbery: Covered ↩

Theft of the vehicle is covered under kasko; if the optional Udvidet bildækning (Friskadeforsikring) add-on is chosen, no deductible applies to theft claims. Theft must be reported to the police, and the car is deregistered if not found within 4 weeks.

Du skal ikke betale selvrisiko i forbindelse med bestemte typer af skader som fx tyveri, glasskader, brand og nedstyrtende genstande.

[55] Glass damage: Covered ↩

Windscreen/glass repairs are covered with no deductible if the glass can be repaired; if full replacement is needed, the policy's standard deductible applies, reduced under the optional Udvidet bildækning to DKK 1,783 (2022 level) for windscreen replacement.

Udvidet bildækning - ved udskiftning af frontrude, skal du betale en selvrisiko på 1.783 kr. (2022)

[56] Natural perils: Covered ↩

Storm damage is explicitly covered under kasko, but broader 'naturforstyrrelser' (natural catastrophes) are excluded under the policy's general limitations.

Forsikringen dækker ikke skader, der opstår i eller under kap- og væddeløbskørsel, naturforstyrrelser, atomenergi og krig.

[57] Vandalism: Covered ↩

Damage caused by vandalism (hærværk) to the vehicle is covered under kasko.

Forsikringen dækker, hvis der sker en skade på din bil – inkl. fastmonteret ekstra udstyr – som følge af fx et færdselsuheld, brand, storm, tyveri eller hærværk.

[58] Roadside assistance: Optional ↩

International roadside assistance and vehicle repatriation costs abroad are included as part of kasko via SOS International and the Red Card scheme. Domestic roadside assistance (towing, on-site help) is a separate optional add-on ('Vejhjælp'), limited to a maximum of 3 assistances per year in the period 1 August-31 July, and does not cover failures caused by lack of maintenance.

Vejhjælp dækker maksimalt 3 assistancer om året i perioden 1. august – 31. juli.

[59] Replacement vehicle: Optional ↩

Rental of a replacement vehicle is included as part of the optional Udvidet bildækning add-on, alongside depreciation (værditab) cover.

Leje af erstatningsbil og værditabsdækning er også en del af dækningen.

[60] Driver accident: Optional ↩

Førerpladsdækning is an optional add-on covering the driver if injured in a traffic accident or while entering/exiting the vehicle, when compensation cannot be obtained from a liable third party; it excludes cases of gross negligence, alcohol/drug influence, or when compensation can be obtained from a liable third party.

Føreren af bilen er omfattet af denne forsikring, hvis føreren kommer til skade ved et færdselsuheld eller ved ind- og udstigning af bilen, når det ikke er muligt at få erstatning fra en ansvarlig skadevolder.

[61] Own damage: Covered ↩

Kasko covers virtually any damage to the insured vehicle as an all-risk product, subject to specific general exclusions (e.g. mechanical/electronic parts failure not caused by fire/theft/vandalism, wear and tear, unlawful use of the car).

Forsikringen dækker i princippet alt, hvorfor det også bliver kaldt en 'all-risk forsikring'.

[62] Total loss: Covered ↩

If repair costs exceed thresholds set by authorities, or a stolen car is not found within four weeks of reporting, easySure pays a cash settlement equal to the price of a comparable car of the same age and condition; new-value compensation applies to cars under one year old under specific conditions.

Bilen efter et tyveri ikke er fundet fire uger efter anmeldelse til politiet og skriftlig anmeldelse til os.

[63] Partial loss: Covered ↩

For partial damage, the car is repaired to its pre-accident condition; the insurer may direct the repairer and parts supplier, and a discretionary cash settlement may apply if spare parts cannot be sourced or delivered within six months.

Ved delvise skader (altså hvor bilen ikke er totalskadet) kan der betales en skønsmæssig kontanterstatning i tilfælde af, at der ikke kan fremskaffes reservedele eller hvis reservedelene ikke kan leveres inden for seks måneder.

[64] Theft & robbery: Covered ↩

Kasko covers theft and robbery of the vehicle, plus theft of one or both number plates without a deductible, provided the plates were properly fastened and the theft is reported to the police.

Tyveri af en eller begge nummerplader uden opkrævning af selvrisiko. Det er en forudsætning, at nummerpladerne var fastgjorte efter myndighedernes krav, og at du har anmeldt tyveriet til politiet.

[65] Glass damage: Covered ↩

Glass damage (windows, headlight glass, mirror glass) is covered under kasko as part of 'any damage to the car'; the optional 'Udvidet glas' add-on removes the deductible for repairs and reduces it to 1,500 DKK for replacements.

Hvis din rude kan repareres, vil vi ikke opkræve dig selvrisiko. Hvis din rude skal udskiftes, vil du blive opkrævet en selvrisiko på 1.500 kr.

[66] Natural perils: Covered ↩

As an all-risk product, kasko covers sudden weather-related events such as storm damage and falling objects, and explicitly covers fire, lightning and explosion; however, catastrophic flood from the sea/lake/watercourse, earthquake, cyclones and volcanic eruptions are excluded under the general terms, as is gradual weather deterioration such as frost cracking or corrosion.

Skade på dine ting, der sker efter oversvømmelse fra fjord, hav, sø, vandløb eller å, jordskælv, cykloner, vulkanudbrud eller andre lignende naturkatastrofer.

[67] Vandalism: Covered ↩

Vandalism to the insured car is covered under kasko with the chosen deductible; if only your car is affected ('hærværk der KUN sker på din bil'), the optional P-skade add-on removes the deductible entirely.

Hærværk der KUN sker på din bil er dækket via din kaskoforsikring med den valgte selvrisiko, eller uden selvrisiko, hvis du har tilvalgt P-skadedækningen.

[68] Roadside assistance: Optional ↩

International rescue assistance abroad (Red Card scheme: towing, hotel, return transport, rental car, vehicle repatriation, spare parts) is automatically included for anyone with kasko cover; domestic Danish roadside assistance (start help, towing, wheel change, fuel delivery, lockout, glass covering) must be purchased as a separate optional add-on, subject to a 7-day waiting period if added after the policy starts.

Rødt Kort-ordningen giver dig ret til hjælp ved motorstop og havari, hvis dit køretøj vejer under 3.500 kg.

[69] Replacement vehicle: Conditional ↩

A rental car is provided as part of the international rescue assistance (Red Card) when kasko cover applies and the vehicle breaks down or is stolen abroad; no general replacement-vehicle benefit is provided for domestic claims.

Udlejningsbil.

[70] Driver accident: Optional ↩

Optional add-on compensating the driver for personal injury (lost income, pain and suffering, permanent injury, loss of earning capacity, treatment costs, funeral aid, loss of provider, dental injury) when no liable third party, liability insurer or occupational injury insurance can cover the loss.

Når føreren ikke kan opnå erstatning fra en ansvarlig skadevolder, en ansvarsforsikring eller en lovpligtig arbejdsskadeforsikring.

[71] Own damage: Covered ↩

Kasko covers any damage to the insured car (§4.4), included from the Basis tier upward. No fixed sum is stated in the T&C; compensation follows the car's cash value or repair cost rules in §9.

Forsikringen dækker enhver skade på den forsikrede bil samt ved tyveri og røveri, bortset fra de nævnte undtagelser i afsnit 4.5

[72] Total loss: Covered ↩

Cash compensation is paid if repair costs exceed the threshold set by authorities for a total loss, or if the car is not recovered within 28 days of a reported theft (§9.5). New-value compensation (nyværdierstatning) applies conditionally if the car was factory-new, damage occurs within the first year, and repair costs exceed 50% of new value (§9.6). The optional Super-tier Værdigaranti extends new-value cover to 2 years and adds 15% extra compensation (max 30,000 DKK) on theft/total loss, plus a 14-day replacement car.

Kontanterstatning udbetales, hvis skaden er så stor, at reparationsudgiften vil medføre, at der skal tilbydes eller ydes kontanterstatning efter de regler, myndighederne har fastsat bilen, efter tyveri, ikke er fundet inden 28 dage efter anmeldelse til politiet og til os

[73] Partial loss: Covered ↩

The car is repaired to its pre-damage condition; Tryg reserves the right to designate the repairer and parts supplier and repair must be pre-approved except in emergencies (§9.3). No fixed sum stated; excludes betterment, cosmetic mismatches and wear-related upgrades.

Hvis vi vælger at lade bilen reparere, sættes den i samme stand som før skaden.

[74] Theft & robbery: Covered ↩

Delkasko and Kasko cover total theft/robbery of the car and damage found after theft (§4.3, §4.4). Stolen number plates are replaced without deductible if properly fastened and reported to police (§4.4, §8). No fixed sum stated in the T&C.

Delkaskoforsikringen dækker, hvis bilen totalskades, ved tyveri og røveri af hele bilen samt hvis bilen findes med skade efter tyveri, bortset fra de nævnte undtagelser i afsnit 4.5.

[75] Glass damage: Covered ↩

Glass repair/replacement is covered as part of Kasko's 'any damage' cover from Basis level, subject to the chosen deductible. The Glas benefit, bundled from Udvidet tier upward, waives the deductible for stone-chip repair, glass replacement and mirror repair/replacement, except for a special fixed deductible on windscreen replacement (§5.5).

Ved udskiftning af bilens forrude, gælder der en fast selvrisiko. Selvrisikobeløbet fremgår af forsikringsaftalen.

[76] Natural perils: Covered ↩

Fire, explosion and direct lightning strike are covered (§4.5, §6). Gradual weather effects such as corrosion, rust and frost damage are explicitly excluded (§4.5), as are earthquakes, cyclones, volcanic eruptions and other natural catastrophes (§11 Generelle undtagelser).

Brand, eksplosion og direkte lynnedslag.

[77] Vandalism: Covered ↩

Vandalism (hærværk) is covered under Kasko/Delkasko's 'any damage' scope and explicitly listed under Stilstandsforsikring (§6). The Nulselvrisiko benefit, bundled from Udvidet tier upward, waives the deductible for vandalism when the perpetrator is unknown (§5.4).

Tyveri og røveri, hvor skadevolder er ukendt.

[78] Roadside assistance: Covered ↩

'Vejhjælp i Europa' is automatically included with Delkasko or Kasko for breakdown/accident assistance abroad (§4.5). Domestic 'FDM Vejhjælp' (starthelp, towing, lockout, fuel delivery, etc.) is a separately purchasable tilvalg (§5.1), confirmed to run 24/7 across Denmark and Europe, typically arriving within about 40 minutes.

FDM Vejhjælp yder assistance på nedbrudstedet fx starthjælp, reparationer, fritrækning, hjulskift, nødlapning ved punktering, brændstofudbringning og oplukning af bildør.

[79] Replacement vehicle: Covered ↩

Ferie lånebil is part of Kasko itself, not a paid tilvalg (§4.4.1): a similar-sized replacement car for up to 35 days / 5,000 km abroad or 3,000 km in Denmark, if the car suffers a Kasko-covered claim, breakdown or theft less than 35 days before, or during, a qualifying holiday (min. 3 consecutive nights in Denmark). Separately, workshops provide a loaner during repairs (§9.3), and the optional Super-tier Værdigaranti provides a loaner for up to 14 days after total loss/theft compensation.

En ferie lånebil af tilsvarende størrelse som din egen bil, hvis din egen bil får en kaskoskade, et nedbrud eller bliver stjålet mindre end 35 dage før en planlagt ferie til udlandet

[80] Driver accident: Optional ↩

Førerdækning (§4.2) can be bought alongside Ansvar, Delkasko or Kasko and covers personal injury to the driver in a driving accident regardless of fault (permanent injury, medical costs, loss of earning capacity, lost income, dependents' loss, funeral aid), compensated under the Danish Liability for Damages Act with no fixed sum in the T&C. It is bundled by default into the Basis package per FDM's marketing.

Forsikringen dækker følgerne efter en personskade på bilens fører, når den direkte skyldes et kørselsuheld med den forsikrede bil.

[81] Own damage: Covered ↩

Casco covers any damage to the insured car including collision, fire, explosion, lightning, short-circuit, falling objects, theft and windscreen vandalism; the actual insured sum is stated on the individual policy, not in the general terms.

Forsikringen dækker enhver skade på den forsikrede bil, herunder: Kollisionsskader. Brand (ildsvåde), eksplosion, lynnedslag, kortslutning.

[82] Total loss: Covered ↩

A car is treated as a total loss when repair is not economically worthwhile or exceeds the tax authority's cost threshold, or if a stolen car has not been recovered within 4 weeks of reporting; cash compensation equals the replacement cost of an equivalent car of the same age and condition. New-value compensation applies for private cars under one year old, bought factory-new, where repair costs exceed 75% of the car's new value.

”Totalskade” betyder, at såfremt skaden på køretøjet er så omfattende, at en reparation ikke kan svare sig, eller overstiger reparationsbeløbet den udgiftsgrænse, der er fastsat af SKAT(se www.skat.dk), opgøres skaden som totalskade, dvs. at der udbetales en kontanterstatning.

[83] Partial loss: Covered ↩

For damage not classed as total loss, the insurer decides whether the car (or parts of it) is repaired or whether cash compensation is paid instead; repairs restore the car to its pre-damage condition as far as possible, and the policyholder pays for any betterment resulting from replacement of worn or corroded parts.

Bilen skal ved reparation, i det omfang det er muligt, sættes i samme stand som før skaden.

[84] Theft & robbery: Covered ↩

Casco covers theft, attempted theft, robbery and hold-up of the insured car; if the car keys are stolen, costs of re-coding keys and the immobiliser are covered where a theft risk is assessed; a reduced deductible of DKK 1,200 (2020 index) applies for theft of a locked car if selvrisikodækning is chosen.

Tyveri, tyveriforsøg, røveri og ran.

[85] Glass damage: Covered ↩

Glass damage falls under the general 'any damage' casco cover and vandalism limited to glass; a reduced deductible of DKK 1,200 (2020 index) applies to glass claims (including mirrors and lights, excluding sunroofs/panorama roofs and cabin-divider glass) if selvrisikodækning is chosen, and no deductible applies for windscreen chip repair (as opposed to replacement).

Glas inkluderer spejle og lygter. Dog ikke glas-, sol- og panoramatag eller lign. samt glas i kabineadskillelse.

[86] Natural perils: Excluded ↩

The policy explicitly excludes damage or liability arising from earthquake or other natural catastrophes; lightning strikes, explosion and falling objects are separately covered as named perils.

Forsikringen dækker ikke skade eller ansvar for skade opstået under jordskælv eller andre naturkatastrofer.

[87] Vandalism: Covered ↩

Under casco, vandalism cover is limited to damage that affects only the insured car's glass; serial vandalism (documented, police-reported damage to two or more cars at the same time and place) qualifies for the reduced DKK 1,200 (2020 index) deductible under selvrisikodækning.

Hærværk: Skade, der kun rammer den forsikrede bils glas.

[88] Roadside assistance: Optional ↩

Vejhjælp is a paid optional add-on (advertised from DKK 350/year when bought together with casco), reachable 24/7 on a dedicated hotline; separately, SOS-International rescue cover for accidents and breakdowns abroad (within Europe) is automatically included whenever casco is purchased, subsidiary to any other travel-assistance cover held.

Derfor tilbyder vi dig sammen med din kaskoforsikring en vejhjælp i topklasse til kun kr. 350 om året.

[89] Replacement vehicle: See details ↩

No replacement car is provided under this casco cover.

[90] Driver accident: DKK 500,000 – DKK 1,000,000 ↩

Optional add-on covering personal injury to the driver in a collision where the insured car is the only motor vehicle involved, when no compensation is available from liability, occupational injury or accident insurance; the insured sum is DKK 500,000 on death and DKK 1,000,000 on permanent disability (double compensation if disability degree is 30% or more).

Forsikringssum ved død udgør 500.000 kr. Forsikringssum ved invaliditet udgør 1.000.000 kr.

[91] Own damage: Covered ↩

Kasko covers essentially any damage to, and theft of, the insured car, including its fitted and unfitted equipment, regardless of fault. Settlement is by repair, cash compensation based on the replacement price of an equivalent car, or replacement of parts; the terms state no fixed monetary ceiling.

Kaskoforsikringen dækker enhver skade på og tyveri af bilen.

[92] Total loss: Conditional ↩

If the car is a total loss, GF Forsikring pays the replacement value of an equivalent car by default. Registered owners of privately-registered cars (including demo cars under 5,000 km) that are not leased get full new-car-price compensation instead if the loss occurs within the first year after first registration and repair costs exceed 50% of the car's new value at the time of loss.

Registreret ejer af bilen har ret til en erstatning, der svarer til prisen for en fabriksny bil af samme fabrikat, model og årgang som den skaderamte, hvis alle følgende betingelser er opfyldt

[93] Partial loss: Covered ↩

Repairable damage is settled by putting the car back into the condition it was in before the loss. The policyholder generally chooses the repair shop, but GF Forsikring may direct where repairs occur if necessary, and repairs may not start without GF Forsikring's or its assessor's prior agreement.

Ved reparation skal bilen sættes i samme stand som før skaden.

[94] Theft & robbery: Covered ↩

Kasko covers theft and robbery of the car, and theft/attempted theft of equipment fitted inside or on a locked car. Demounted equipment (original tools, spare parts, etc.) is only covered if kept in a properly locked room with evidence of forced entry (this requirement does not apply to charging equipment). Aftermarket AV/electronic equipment and non-original spare parts are each capped at DKK 23,487 (2023 base year). For cash settlement, the car must remain unrecovered for four weeks after reporting to police and GF Forsikring.

For udstyr der er afmonteret, herunder originalt værktøj mv. til bilen, og reservedele, er det en betingelse ved tyveri, at genstandene opbevares i forsvarligt aflåst rum, og at voldeligt opbrud kan konstateres.

[95] Glass damage: Covered ↩

Glass damage (e.g. windscreen stone chips) is included under Kasko's general 'any damage' cover; no deductible is charged if a damaged windscreen is repaired rather than replaced. The optional 'Udvidet glas' add-on removes the deductible for repairing glass other than the windscreen and cuts the replacement deductible to DKK 1,606 (2023 base year), with no step/price consequence.

Der opkræves en selvrisiko* på 1.606 kr. (basisår 2023) ved udskiftning af det beskadigede glas.

[96] Natural perils: Covered ↩

Damage from falling objects (e.g. roof tiles blown off a house) and other weather events is covered under Kasko's general 'any damage' clause. Damage directly or indirectly caused by earthquakes, volcanic eruptions or other natural catastrophes in Denmark (excluding the Faroe Islands and Greenland) is explicitly excluded.

Jordskælv, vulkanudbrud eller andre naturkatastrofer i Danmark, eksklusiv Færøerne og Grønland.

[97] Vandalism: Covered ↩

Vandalism (hærværk) is a covered peril under Kasko: the exclusion for damage confined to mechanical, electrical or electronic parts explicitly does not apply when the damage is caused by vandalism (among other listed perils), confirming vandalism is otherwise covered.

Skade, der alene opstår i bilens mekaniske, elektriske og/eller elektroniske dele, medmindre skaden skyldes brand*, lynnedslag, eksplosion, tyveri, røveri og hærværk.

[98] Roadside assistance: Conditional ↩

Kasko and Delkasko include SOS rescue insurance abroad for vehicles up to 3.5 tonnes: roadside assistance at the scene, towing, transport of the vehicle home, and a rental car, for countries covered by the Red Card scheme (reachable on +45 70 10 50 52). Within Denmark, GF Forsikring instead pays the necessary transport cost to the nearest workshop for a covered kasko/delkasko claim.

Kasko- og delkaskoforsikringen omfatter redningsforsikring i udlandet, når den forsikrede bils totalvægt højst udgør 3,5 tons.

[99] Replacement vehicle: DKK 6,587 ↩

Kasko explicitly excludes a free replacement car ('Erstatningsbil') while the car is repaired. The optional 'Bilafsavn' add-on (purchasable only with Kasko) instead pays cash compensation for loss of use: DKK 659/day (2023 base year, incl. VAT) for up to 28 days on theft, or a DKK 6,587 lump sum (2023 base year, incl. VAT) on total loss; if the car is stolen and later totalled, the higher amount is paid. Abroad, a rental car is provided under the SOS rescue-insurance benefit included in Kasko/Delkasko.

I tilfælde af tyveri udgør erstatningen 659 kr. inkl. moms (basisår 2023) pr. dag, i højst 28 dage

[100] Driver accident: Optional ↩

Personal-injury cover for the driver (Førerplads) and for the driver plus up to 8 passengers (Autoulykke) are separate, individually selectable coverages - not automatically included with Kasko and not required to be bought with it. Compensation is based on the sum insured stated on the policy; permanent-injury payout requires at least 5% impairment (mengrad), double compensation applies at 30% impairment or above, and if the insured is 75 or older at the time of the accident, compensation for death or permanent injury is based on 50% of the sum insured.

Forsikringen giver ret til erstatning for ulykkestilfælde, som er en direkte følge af kørselsuheld, hvor sikrede* er fører af bilen.

[101] Own damage: Covered ↩

Comprehensive casco cover for damage to the policyholder's own car, indemnified based on the car's market/replacement value rather than a stated monetary ceiling; available across the Kasko Basis, Kasko Udvidet and Kasko Premium tiers.

Kasko Basis God til dig, der værdsætter din bil og gerne vil have dækning for de fleste skader fx solouheld, totalskade, buler og ridser.

[102] Total loss: Covered ↩

Kasko Basis and higher tiers cover total loss of the vehicle, indemnified on a market-value basis; no fixed sum insured is stated in available sources.

Kasko Basis God til dig, der værdsætter din bil og gerne vil have dækning for de fleste skader fx solouheld, totalskade, buler og ridser.

[103] Partial loss: Covered ↩

Kasko Basis covers most damage to the insured car, such as single-vehicle accidents, dents and scratches, subject to the chosen deductible.

Kasko Basis God til dig, der værdsætter din bil og gerne vil have dækning for de fleste skader fx solouheld, totalskade, buler og ridser.

[104] Theft & robbery: Covered ↩

Casco cover reimburses the policyholder in the event of theft or robbery of the insured car.

Delkasko Dækker brand og tyveri samt skade på bilen i forbindelse med tyveri af bilen eller indbrudstyveri.

[105] Glass damage: Covered ↩

Under Kasko Basis, glass damage is covered subject to the policyholder's chosen general deductible (e.g. 5,000 kr). Under Kasko Udvidet and Kasko Premium, repairable glass damage (e.g. stone chips) is covered with 0 kr deductible, and full windscreen replacement carries a reduced 1,250 kr deductible, described as one of the lowest in the industry.

0 kr. i selvrisiko hvis du påkører et dyr eller får en glasskade der kan repareres. 1.250 kr. i selvrisiko hvis du skal have udskiftet hele din forrude

[106] Natural perils: Covered ↩

Kasko cover is defined as covering any damage to the insured car (e.g. collision, parking damage, vandalism, fire, theft), except for the exclusions listed under 'Kasko - Dækker ikke'. Storm, hail and flood damage are not among those exclusions, so such damage falls under the general casco cover for 'any damage'.

Enhver skade på din forsikrede bil, fx kørselsskader - såsom sammenstød, påkørsel og solouheld, brand samt tab ved tyveri og røveri, medmindre skaden er undtaget under punkt "6. Kasko" under afsnittet "Dækker ikke".

[107] Vandalism: Covered ↩

Casco cover provides compensation for traffic accidents, parking damage, theft, vandalism and fire on the car.

hvis bilen udsættes for hærværk

[108] Roadside assistance: Optional ↩

Roadside assistance (Vejhjælp) is offered as an add-on cover on the car insurance, providing 24/7 assistance across Denmark and Europe (breakdown, flat tyres, jump starts, towing), delivered via SOS Dansk Autohjælp with an average response time of 45 minutes.

Få hurtig assistance i Danmark og Europa til fx hjulskifte ved punktering, starthjælp eller transport til værksted, hvis din bil får en skade eller ikke kan køre. Du betaler 0 kr. i selvrisiko og får adgang til en døgnbemandet vagtcentral, som i gennemsnit rykker ud inden for 45 minutter (i Danmark).

[109] Replacement vehicle: Optional ↩

Udvidet Lånebil is an optional add-on cover, applying only if it is shown on the policy, providing a rental car for up to 30 days when the insured car suffers a covered casco claim (total loss, theft, breakdown on holiday, or workshop waiting time). For total loss/theft, return from a holiday and workshop waiting time, up to 100 km of free driving per day is covered; for a holiday car (Feriebil), up to 5,000 km is covered if the destination is abroad, or up to 3,000 km if the destination is in Denmark. If no rental car can be provided, cash compensation of DKK 500 per day (max DKK 15,000) applies instead.

Ved totalskade og/eller tyveri, lånebil efter hjemkomst fra ferie og ventetid på værksted dækker vi indtil 100 km fri kørsel pr. døgn. Kørsel udover dette skal betales direkte til biludlejeren af dig. Ved feriebil dækker vi indtil maksimalt 5.000 km i låneperioden, hvis destinationen er i udlandet. Hvis destinationen er i Danmark, er du maksimalt dækket indtil 3.000 km.

[110] Driver accident: Optional ↩

Cover for personal injury to the driver of the car is only in force if the policyholder adds the optional driver's-seat cover (Førerpladsdækning/Førerulykkesforsikring) to the casco policy.

Bemærk, at føreren af bilen først er forsikret ved skader hvis I tilkøber dækningen førerpladsdækning.

[111] Own damage: Conditional ↩

Covers any damage to the insured vehicle itself, e.g. collisions, single-vehicle accidents and parking damage. Included under Kasko, Bil Super and Leasing Super; NOT covered under Delkasko, which excludes driving and collision damage entirely.

Enhver skade, der påføres det forsikrede køretøj, fx sammenstød, påkørsel eller eneuheld dækkes

[112] Total loss: Conditional ↩

Under Kasko, total loss is settled per standard Danish tax-authority (SKAT) total-loss rules with cash compensation. Under Bil Super, vehicles up to 3 years old get new-value compensation (capped at original purchase price); vehicles over 3 years old get trade value plus a 10% supplement.

Nyværdierstatning, dog max købspris ved første indregistreringsdato, dækkes ved totalskade på køretøjer, som er indtil 3 år på skadestidspunktet

[113] Partial loss: Conditional ↩

If repairable, If pays for repairs restoring the vehicle to its pre-damage condition. Under Bil Super, if a covered kasko claim's repair cost exceeds 20,000 DKK, an additional 10% of the repair cost is paid as depreciation compensation.

Vi betaler for en reparation, der sætter køretøjet i samme stand, som før skaden skete.

[114] Theft & robbery: Covered ↩

Loss of the vehicle and damage caused in connection with theft, burglary, robbery or attempts thereof is covered from Delkasko level upward. Bil Super adds an extra 10% on top of trade value if the vehicle is not recovered within 28 days of notification to If and police.

Handelspris + 10 % ekstra erstatning dækkes, hvis bilen er forsvundet ved tyveri eller røveri. Det er en forudsætning, at bilen ikke er fundet inden 28 dage efter både vi og politiet har modtaget en skriftlig meddelelse.

[115] Glass damage: Optional ↩

A paid add-on (Udvidet glasdækning), available on Kasko, Bil Super and Leasing Super, covering windscreen, side and rear windows, mirror and light glass, cabin partitions and glass/sun/panorama roofs, without affecting the no-claims price step. No deductible applies to repairs; a deductible applies if replacement is needed. Displays/touch screens are excluded. Basic glass damage without this add-on is otherwise treated as an ordinary kasko claim subject to the normal deductible.

Følgende skader dækkes uden betydning for dit pristrin • Ruder o Forrude, sideruder og bagrude

[116] Natural perils: Conditional ↩

Damage from fire, lightning strike and explosion is covered from Delkasko level upward. However, damage caused by weather exposure such as corrosion, rust and frost damage, and Danish/domestic earthquakes or other natural catastrophes, is explicitly excluded from the whole policy.

Skade der er en følge af vejrligets påvirkning, fx tæring, rust og frostsprængning dækkes ikke.

[117] Vandalism: Conditional ↩

Vandalism damage is covered under Kasko, Bil Super and Leasing Super. It is explicitly NOT covered under Delkasko. 'Serial vandalism' (vandalism on three or more vehicles at the same time and place, confirmed by police) is covered with no deductible and no effect on the no-claims price step.

Seriehærværk, som er hærværk på tre eller flere køretøjer på samme tid og sted, dækkes uden opkrævning af selvrisiko og uden betydning for dit pristrin.

[118] Roadside assistance: Conditional ↩

If Vejhjælp Europa is included from Delkasko level upward but explicitly excludes Denmark, covering vehicles up to 3,500 kg in most of Europe (incl. Russia to the Urals, Israel, Morocco, Tunisia, Turkey, Iran) for breakdowns/accidents linked to a covered kasko claim, including towing, start help, fuel delivery, hotel stay and repatriation. Domestic roadside assistance in Denmark (If Vejhjælp Danmark) is a separate paid add-on covering starting help, wheel change, fuel delivery, lock-out and towing.

I de europæiske lande, inkl. Rusland indtil Ural-bjergene, Israel, Marokko, Tunesien, Tyrkiet og Iran.

[119] Replacement vehicle: Conditional ↩

Included from Delkasko level upward while the vehicle is repaired at an If Partner garage (100 km/day free of charge, no guarantee of same make/model). Bil Super and Leasing Super extend this: up to 14 days after total loss (until a new car is acquired), up to 35 days after theft/robbery (until the car is recovered), and for the full repair period for motor/machinery damage claims. Abroad under If Vejhjælp Europa, a courtesy car is provided for up to 21 days.

Ved totalskade dækkes lånebil indtil ny bil er anskaffet eller i op til 14 dage

[120] Driver accident: Optional ↩

A paid add-on (Førerpladsdækning) covering personal injury to the driver in traffic accidents without a liable counterparty, settled per the Danish Liability for Damages Act, including medical/transport costs, lost income, pain and suffering, permanent injury (minimum 5%), permanent loss of earning capacity (minimum 15%), dependents' compensation and funeral aid. No sum is stated; amounts follow statutory rates.

Personskade på fører af køretøjet er dækket efter reglerne i erstatningsansvarsloven i forbindelse med færdselsuheld uden ansvarlig modpart.

[121] Own damage: Covered ↩

Covers any damage to the insured car, including fitted and unfitted accessories used with the car, as well as loss by theft and robbery. Aftermarket equipment such as audio/navigation/tuning equipment is capped at 27,329 kr (2021 index). Claims are settled either by repair (at an insurer-approved workshop, net prices if the car was left with a dealer/repairer) or by cash settlement.

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri.

[122] Total loss: Covered ↩

For privately registered cars, new-for-old (nyværdierstatning) settlement applies if the damage occurs within the first year after first registration, the car was factory-new when the policy was taken out/changed, and repair costs exceed 50% of the car's new value; this does not apply to leased cars. Otherwise settlement is at the cash value of an equivalent car; if a stolen/robbed car is not recovered within 4 weeks of notifying the insurer and police, cash settlement applies.

For biler registreret til privat personkørsel, herunder skolevogne, har forsikringstageren ret til en erstatning, der svarer til prisen for en tilsvarende fabriksny bil af samme fabrikat, type og årgang som den beskadigede... Nyværdierstatning i henhold til ovenstående kan ikke opnås for leasede biler.

[123] Partial loss: Covered ↩

The insurer restores the car to its pre-damage condition and may direct the repairer. Loss of trade value from repair (e.g. colour differences after painting) is not covered but may in some cases be claimed from a liable third party. Repairs are not carried out if the repair cost exceeds the threshold set by the Ministry of Taxation, in which case cash settlement applies instead.

Ved reparation sættes bilen i samme stand som før skaden. Forsikringsselskabet er berettiget til at anvise reparatør... Reparation af bilen finder ikke sted, hvis den af Skatteministeriet fastsatte udgiftsgrænse overskrides. Skaden afgøres i så fald med kontanterstatning.

[124] Theft & robbery: Covered ↩

Loss of the car by theft or robbery is covered under kasko. If the car is not recovered within 4 weeks of the insurer and police receiving notification, the claim is settled in cash based on the cost of an equivalent car. Removed summer/winter tyre-and-rim sets are only covered if stored in a locked room or with a dealer/repairer.

I forbindelse med skade/tyveri er et sæt afmonterede sommer- eller vinterdæk inkl. fælge hertil kun dækket af forsikringen, hvis disse ting befandt sig i et aflåst rum eller lokale.

[125] Glass damage: Covered ↩

Damage to the car's windows, sunroof glass, headlamp glass and mirror glass is covered under kasko. If the frontrude/glastag can be repaired (stone-chip repair), no deductible applies. If it must be replaced, a deductible of 1,740 kr (2021 index) applies under the optional Udvidet bildækning/friskadeforsikring add-on; without that add-on the policy's standard deductible applies to a replacement.

Selvom friskadeforsikringen friholder forsikringstageren for eventuelle selvrisikobeløb, gælder der en selvrisiko på 1.740 kr. (indeks 2021). Hvis bilens frontrude og/eller glastag ødelægges som følge af stenslag, men kun hvis frontruden og/eller glastag skal udskiftes og ikke kan repareres.

[126] Natural perils: Covered ↩

Impact damage from falling objects, lightning, and similar sudden events is covered as part of kasko's general 'any damage' cover. However, damage caused by earthquakes or other natural disturbances is explicitly excluded under the general terms, as is gradual weather-related deterioration such as corrosion, rust and frost cracking.

Jordskælv eller andre naturforstyrrelser,

[127] Vandalism: Covered ↩

Damage to the car caused by vandalism is covered under kasko. No deductible is charged if the perpetrator is 'known' (has admitted or been convicted of the vandalism). Vandalism must also be reported to the police, and a police report receipt should be obtained.

Hærværk forvoldt af en "kendt" gerningsmand, hvilket vil sige, at gerningsmanden enten har erkendt eller er dømt for hærværket.

[128] Roadside assistance: Conditional ↩

Rescue cover abroad (via the red SOS card and SOS International) is automatically included whenever kasko is selected, but does not apply to cars over 3.5 tonnes. Domestic roadside assistance ('Vejhjælp') is a separate optional add-on (must be shown on the policy) providing towing and on-the-spot help, e.g. for a flat battery or puncture, capped at a maximum of 3 assistances per year in the period 1 August–31 July; it does not cover breakdowns caused by lack of maintenance.

Forsikringen dækker i overensstemmelse med de til enhver tid gældende forsikringsvilkår for redningsforsikring i udlandet. De fuldstændige vilkår fremgår af det senest godkendte røde SOS-kort.

[129] Replacement vehicle: DKK 500 ↩

Available only under the optional Udvidet bildækning add-on. Reimburses up to 500 kr per day for a rental car in Denmark if the repair shop cannot provide one, for up to 14 days from the date the car was handed in for repair, or up to 28 days if the car is stolen or a total loss. Fuel costs are excluded, and no reimbursement applies if the repair shop or insurer can already provide a replacement car.

Refusion af forsikringstagerens udlæg for leje af erstatningsbil med op til 500 kr. pr. døgn, hvis den skete skade på den forsikrede bil er erstatningsberettiget hos forsikringsselskabet og bilreparatøren ikke kan stille en erstatningsbil til rådighed.

[130] Driver accident: Optional ↩

Available as an optional add-on (must be shown on the policy). Covers personal injury to the driver of the insured car in sole-vehicle accidents (e.g. skidding into a ditch) and injuries while entering/exiting the car, where no other liable party can be claimed against. Compensation is calculated under the rules and rates of the Danish Liability for Damages Act, and can cover lost income, medical/transport costs, pain and suffering, permanent injury, loss of earning capacity, and loss-of-provider/funeral costs.

Forsikringen dækker personskader, der opstår ved kørselsuheld, hvor ingen andre motordrevne køretøjer er indblandet, og hvor den tilskadekomne er fører af den forsikrede bil.

[131] Own damage: Covered ↩

Casco covers any damage to the insured car, including fixed accessories, resulting from events such as collision, fire, theft, robbery, vandalism, storm and other perils. Settlement is either repair or a cash payment equal to the price of an equivalent car of the same age and condition. For cars that were brand new when the policy was taken out, if damage occurs within the first year and repair costs exceed 50% of the new price, new-for-old (nyværdierstatning) replacement value is paid instead - except for leased cars.

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri.

[132] Total loss: Covered ↩

If the car is assessed as beyond repair, or is not recovered within 4 weeks of a theft/robbery report to Købstædernes Forsikring and the police, cash compensation is paid equal to the price of an equivalent car of the same age and condition; the damaged car then becomes the property of Købstædernes Forsikring.

Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at Købstædernes Forsikring og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling.

[133] Partial loss: Covered ↩

Købstædernes Forsikring may have the car repaired, restoring it to its condition before the damage, and is entitled to designate the repairer. Reduced resale value from a repair is not compensated. If the car was already with a repairer/dealer when the damage occurred, repair is settled at net (trade) prices. Repair is not carried out if the cost exceeds the threshold set by the Ministry of Taxation; the claim is then settled in cash instead.

Ved reparation sættes bilen i samme stand som før skaden. Købstædernes Forsikring er berettiget til at anvise reparatør. Reparation af bilen finder ikke sted, hvis den af Skatteministeriet fastsatte udgiftsgrænse overskrides.

[134] Theft & robbery: DKK 27,329 ↩

Casco covers loss of the car through theft or robbery. Detached summer/winter tyres and rims are only covered if stored in a locked room, or handed in for storage with a dealer/repairer. Reimbursement for non-factory-fitted equipment such as audio/navigation/tuning equipment is capped at DKK 27,329 (2021 index).

Ikke-fabriksmonteret ekstraudstyr, fx musikanlæg, dækkes maksimalt med 27.329 kr. (2021).

[135] Glass damage: Covered ↩

Glass damage (windscreen, windows, light lenses, mirrors) is covered under casco; repairs are made without a deductible, while replacement is subject to the policy's standard deductible. The insurer works with partners Dansk Bilglas and Carglass for repairs. If the optional 'Udvidet bildækning' extension is chosen, the deductible is waived for glass repair/replacement except a reduced deductible of DKK 1,740 (2021) applying to windscreen replacement.

Udvidet bildækning - ved udskiftning af frontrude, skal du betale en selvrisiko på 1.740 kr. (2021)

[136] Natural perils: Covered ↩

Casco covers damage caused by fire, explosion, short-circuit, lightning strike, storm and falling objects. Earthquake and other natural disturbances are excluded, as is damage from war, warlike actions, civil unrest, terrorism and the release of nuclear/radioactive energy.

Krig, krigslignende handlinger, neutralitetskrænkelse, borgerkrig, oprør, terrorisme eller borgerlige uroligheder, Jordskælv eller andre naturforstyrrelser,

[137] Vandalism: Covered ↩

Damage caused by vandalism is covered under casco; no deductible is charged if the perpetrator is 'known', i.e. has confessed to or been convicted of the vandalism.

Hærværk forvoldt af en ”kendt” gerningsmand, hvilket vil sige, at gerningsmanden enten har erkendt eller er dømt for hærværket.

[138] Roadside assistance: Covered ↩

Automatically included with casco cover: emergency roadside assistance abroad via the SOS International Red Card scheme, covering on-site assistance, towing, transport of the car home, hotel costs and sourcing of spare parts; excludes vehicles with a gross weight over 3.5 tonnes. A separate optional 'Vejhjælp' add-on covers roadside assistance within Denmark, limited to 3 call-outs per insurance year.

Forsikringen dækker i overensstemmelse med de til enhver tid gældende forsikringsvilkår for redningsforsikring i udlandet. De fuldstændige vilkår fremgår af det senest godkendte røde SOS-kort.

[139] Replacement vehicle: DKK 500 ↩

Available as part of the optional 'Udvidet bildækning' extension: reimbursement of up to DKK 500 per day for hiring a replacement car if the repairing workshop cannot provide one, following a covered casco claim; limited to 14 days from the date the car is handed in for repair (28 days if the car is stolen or a total loss); fuel costs are not covered.

Refusion af forsikringstagerens udlæg for leje af erstatningsbil med op til 500 kr. pr. døgn, hvis den skete skade på den forsikrede bil er erstatningsberettiget hos Købstædernes Forsikring og bilreparatøren ikke kan stille en erstatningsbil til rådighed.

[140] Driver accident: Optional ↩

Optional add-on covering personal injury to the driver from a traffic accident or when entering/exiting the car, when compensation cannot be obtained from a liable third party; compensation for personal injury is assessed according to the rules and rates in the Danish Liability for Damages Act (Lov om erstatningsansvar) rather than a fixed sum insured.

Føreren af bilen er omfattet af denne forsikring, hvis føreren kommer til skade ved et færdselsuheld eller ved ind- og udstigning af bilen, når det ikke er muligt at få erstatning fra en ansvarlig skadevolder. Erstatningen for personskade bliver opgjort efter de gældende regler og satser i lov om erstatningsansvar.

[141] Own damage: Covered ↩

Casco covers damage to the insured vehicle itself, including collision damage; a specific EV/hybrid benefit covers sudden battery damage in the first 8 years after the vehicle's first registration, up to DKK 30,000 per event, with no deductible.

Skader, der sker på den forsikrede bil, samt ved tyveri og røveri. […] Skade på bilens batteri af anden pludselig årsag i de første 8 år efter bilens første indregistreringsdato. […] Dækningen er maksimalt 30.000 kr. pr. skadebegivenhed.

[142] Total loss: Covered ↩

If repair is not viable, Popermo settles with a cash compensation (kontanterstatning) based on the vehicle's assessed value; ownership of the vehicle transfers to Popermo once compensation is paid, and a stolen vehicle not recovered within four weeks of being reported is treated as a total loss.

Kan reparation ikke gennemføres, fastsættes erstatningen til det beløb, en bil af tilsvarende alder og stand vil koste mod kontant betaling, når: […] En stjålen bil ikke er kommet til veje inden fire uger efter, at forsikringstager har anmeldt tyveriet til Popermo og politiet. […] Har Popermo udbetalt kontanterstatning, tilhører bilen Popermo.

[143] Partial loss: Covered ↩

Repair costs for partial damage to the vehicle are covered; if repaired at one of Popermo's partner workshops (fordelsværksted), Popermo pays the policyholder's deductible directly, otherwise it is reimbursed on presentation of documentation.

Ved følgende skader opkræver Popermo ikke selvrisiko: […] Når bilen er overladt i varetægt til reparatør eller forhandler, der har et relevant CVR-nummer.

[144] Theft & robbery: Covered ↩

Casco covers theft and robbery of the vehicle; a stolen car is treated as a total loss if it is not recovered within four weeks of being reported to the police and to Popermo.

Skader, der sker på den forsikrede bil, samt ved tyveri og røveri. […] En stjålen bil ikke er kommet til veje inden fire uger efter, at forsikringstager har anmeldt tyveriet til Popermo og politiet.

[145] Glass damage: Covered ↩

Windscreen stone-chip repair is a standard casco benefit. The optional Extended Glass Insurance (Udvidet Glasforsikring) removes the deductible for other glass replacement and mirror/light units; windscreen or glass-roof replacement carries a fixed deductible of DKK 1,500 (2025 index).

Dækker udskiftning af glas - der gælder dog en særlig selvrisiko ved udskiftning af forruden. Dækker reparation eller udskiftning af sidespejl, herunder spejlenheder. Ved udskiftning af bilens forrude eller glastag gælder der en fast selvrisiko.

[146] Natural perils: Covered ↩

Fire, explosion and lightning damage are covered as standard insured perils under casco; an optional deductible-free rider (Friskadedækning) removes the excess for these events when it appears on the policy.

Skaden dækkes dog, hvis den er sket som følge af brand, eksplosion uden for motoren, lynnedslag, tyveri, røveri og hærværk eller under transport på eller ved hjælp af andet befordringsmiddel. […] Skade som følge af brand, eksplosion og lynnedslag.

[147] Vandalism: Covered ↩

Damage from vandalism (hærværk) is covered under casco; the optional Friskadedækning rider waives the deductible for vandalism claims.

Skaden dækkes dog, hvis den er sket som følge af brand, eksplosion uden for motoren, lynnedslag, tyveri, røveri og hærværk eller under transport på eller ved hjælp af andet befordringsmiddel. […] Skade som følge af hærværk.

[148] Roadside assistance: Covered ↩

Holding casco automatically provides foreign roadside rescue via the Red Card scheme (SOS International); domestic roadside assistance (Popermo Vejhjælp) covering breakdowns in Denmark, the E65 transit route between Malmö and Ystad, and up to 25 km south of the German border, is a separate paid add-on.

Har du købt en kaskoforsikring, har du også en redningsforsikring i udlandet, jf. forsikringsvilkårene på det røde SOS kort, som du kan få, hvis du ringer til Popermo eller downloader det fra sos.eu […] Forsikringen dækker i Danmark (med undtagelse af Færøerne og Grønland) for privatbiler under 3.500 kg tilladt totalvægt. […] Selvom forsikringen ikke dækker i udlandet, dækker forsikringen dog på transitruten E 65 mellem Malmö og Ystad, samt indtil 25 km syd for den landfaste del af den dansk/tyske grænse

[149] Replacement vehicle: Conditional ↩

A courtesy car (lånebil) is provided as a casco benefit while the insured vehicle is repaired at one of Popermo's partner workshops (fordelsværksted); no fixed monetary limit for this benefit is stated in the available sources.

Lånebil på fordelsværksted.

[150] Driver accident: Optional ↩

Førerpladsdækning is an optional add-on covering the driver in single-vehicle accidents and when entering or exiting the car; no coverage amount is specified in the available sources.

Førerpladsdækning: Dækker føreren ved eneulykker under kørsel og ved ind- og udstigning af bilen.

[151] Own damage: Covered ↩

Covers accidental damage to the insured car and its fixed equipment, e.g. from traffic accidents, and non-fixed equipment such as bike racks, roof boxes, tyres, tools and extra mirrors when stored in a securely locked space. Non-factory-fitted equipment (styling, special paint, rims) is capped at 28,000 kr and electronic AV/navigation/communication equipment at 35,000 kr (2022 index).

Kaskoforsikringen dækker, bortset fra de nævnte undtagelser, enhver skade på selve bilen og dens faste udstyr og indretning samt ved tyveri.

[152] Total loss: Conditional ↩

If the car is a private passenger car that was factory-new when the policy was taken out, is no more than 1 year old at the time of damage, and repair costs exceed 50% of the price of a new car, the policyholder is entitled to a replacement new car of the same make and model, subject to the equipment compensation limits.

Bilen er en personbil til privat personkørsel. Bilen var fabriksny ved oprettelse af forsikringen. Bilen er højst 1 år gammel på skadetidspunktet. Reparationsomkostningerne vil overstige 50 % af prisen på en ny bil.

[153] Partial loss: Covered ↩

Damage is settled by repair, cash payment or replacement in kind. The insurer may direct the repairer and parts supplier; a cash settlement applies if repair costs would trigger statutory total-loss rules or if a stolen car is not found within 30 days of reporting.

Erstatning for kaskoskade er enten en reparation, et kontantbeløb eller erstatning in natura.

[154] Theft & robbery: Covered ↩

Covers theft of the car and theft of number plates (compensation capped at the price of a standard set of plates when reported to police), subject to caps of 35,000 kr for electronic equipment and 28,000 kr for non-factory equipment.

Kaskoforsikringen dækker desuden tyveri af én eller flere nummerplader, der har været monteret på bilen eller på cykelstativ/ bagageholder, som var monteret på bilen, når tyveriet er anmeldt til politiet.

[155] Glass damage: Optional ↩

Optional cover for damage to windows, mirror glass and headlight glass; no deductible applies for repair of glass, while the policy deductible applies for replacement.

Har du valgt glasskadedækning, vil der ved skader på bilens ruder, spejlglas og lygteglas gælde selvrisiko i henhold til policen. Er der tale om reparation af ovenstående, gælder der ingen selvrisiko.

[156] Natural perils: Covered ↩

General exclusions apply for damage from earthquake, storm flood and other natural catastrophes under the common terms, except that storm-flood damage to motor vehicles is explicitly covered.

Jordskælv, stormflod eller andre naturkatastrofer. Ved Stormflod dækkes dog skader på motorkøretøjer

[157] Vandalism: Covered ↩

Damage caused by vandalism to the vehicle is covered under the base casco cover; the optional 'Friskadedækning' add-on removes the deductible for vandalism, including serial vandalism affecting three or more cars in the same incident reported to and confirmed by police.

Skade som følge af tyveri, seriehærværk og røveri (der vil være tale om seriehærværk, når der er øvet hærværk mod tre eller flere biler under samme hændelsesforløb, og som er anmeldt til, og kan bekræftes af politiet)

[158] Roadside assistance: Covered ↩

Casco cover includes the 'Red Card' European rescue assistance with no deductible, for private passenger cars up to 3.5 tonnes gross weight. Separately, domestic 'Vejhjælp' (via Dansk Autohjælp) is an optional add-on that must be selected on the policy.

Redningsforsikringen gælder for biler til persontransport med en tilladt totalvægt på indtil 3½ tons. Der gælder ingen selvrisiko.

[159] Replacement vehicle: Conditional ↩

A loan car is provided under casco cover only if the repair is carried out at one of Thisted Forsikring's partner workshops (Fordelsværksted).

Lånebil hvis du vælger Fordelsværksted

[160] Driver accident: Optional ↩

Optional cover for personal injury to the driver of the insured car in single-vehicle accidents where no other motor vehicle is involved, including injuries during entry/exit of the vehicle. Compensation follows the rates of the Danish Liability for Damages Act (loss of earnings, treatment costs, pain and suffering, permanent injury, loss of earning capacity, loss of provider).

Vi dækker legemsbeskadigelser, der opstår ved kørselsuheld, hvor ingen andre motordrevne køretøjer er indblandet, og hvor den tilskadekomne er fører af den forsikrede bil.

[161] Own damage: Covered ↩

If you buy casco insurance, your car is insured at new value during its first year as a factory-new car, and thereafter at trade value (the cost of replacing a car of similar make, age, model and year). Included in all three packages: Basis, Udvidet and Super.

Køber du kaskoforsikring, er din bil forsikret til nyværdi inden for det første år som fabriksny, derefter til handelsværdien, dvs. hvad det vil koste at genanskaffe en bil af tilsvarende mærke, alder, model og årgang.

[162] Total loss: Covered ↩

Total loss claims are settled at new value within the first year as factory-new, thereafter at trade value (replacement cost of an equivalent make/age/model/year vehicle).

Køber du kaskoforsikring, er din bil forsikret til nyværdi inden for det første år som fabriksny, derefter til handelsværdien, dvs. hvad det vil koste at genanskaffe en bil af tilsvarende mærke, alder, model og årgang.

[163] Partial loss: Covered ↩

Repairable damage to the insured vehicle from accidents, fire, theft or vandalism is covered under casco, with repairs carried out at a workshop, including partner workshops offering a replacement car and up to a 5-year repair warranty.

Med Kasko får du en lånebil til rådighed, mens dit køretøj bliver repareret. Vælger du et af vores aftaleværksteder, får du også kvalitetssikret værkstedsservice, op til 5 års garanti på reparationer.

[164] Theft & robbery: Covered ↩

Casco insurance covers damage to your car in case of e.g. traffic accidents, vandalism and theft; if your number plates are stolen, replacement and mounting costs are covered without a deductible.

Hvis dine nummerplader bliver stjålet, betaler vi også udgifter til genanskaffelse og montering – uden opkrævning af selvrisiko.

[165] Glass damage: Optional ↩

Optional glass cover repairs stone chips and cracks in the windscreen, side windows or rear window; windscreen replacement costs up to DKK 2,000 of the deductible, while sunroof/panoramic glass roof replacement is covered with no deductible. Included from the Udvidet package upward.

Dækker reparation af stenslag i ruden, glas, spejle og lygteglas uden opkrævning af den valgte selvrisiko. Der er ingen selvrisiko ved udskiftning af sol- eller glaspanoramatag. Ved udskiftning af bilens forrude gælder der en fast selvrisiko på 2.000 kr.

[166] Natural perils: See details ↩

No source explicitly confirms coverage for natural perils such as storm, hail or flood under this casco product.

[167] Vandalism: Covered ↩

Casco insurance covers damage to your car caused by vandalism as well as traffic accidents and theft.

Med en kaskoforsikring er du dækket, hvis din bil bliver skadet i tilfælde af fx trafikuheld, brand, hærværk og tyveri.

[168] Roadside assistance: Covered ↩

Tryg Vejhjælp roadside assistance is included in all three packages (Basis, Udvidet, Super) and can be reached on +45 70 11 20 00 in Denmark or abroad; once the car is casco-insured, international roadside assistance and rescue abroad is included, extendable to the rest of Europe with Udvidet Tryg Vejhjælp.

Dækker vejhjælp, hvis du får brug for assistance på stedet, fx hjælp til batteri, startshjælp, eller bugsering hjem/til værksted.

[169] Replacement vehicle: Covered ↩

With casco cover you get a loan car while your vehicle is repaired at a partner workshop; if the car is written off or stolen, the optional LåneBil Ekstra cover provides a loan car for up to 14 days after compensation is paid.

Dækker en lånebil, hvis din bil totalskades eller bliver stjålet. Du kan beholde lånebilen i op til 14 dage efter, du har fået din erstatning.

[170] Driver accident: Optional ↩

Førerforsikring is an optional cover protecting the driver in a solo accident where no other party is involved, paying compensation for loss of earning capacity from as little as 15% disability, a lower threshold than standard pension schemes (50%); applies to any authorised driver of the car.

Typisk kan du erstatning fra din pensionsordning, hvis du mister din erhvervsevne med mindst 50 %. En Førerforsikring dækker, hvis du mister din erhvervsevne med min. 15 %.

[171] Own damage: Covered ↩

Kasko covers damage to the policyholder's own car from traffic accidents, vandalism, theft and flooding; settlement is based on the car's value and no fixed sum insured or monetary cap is stated.

Ønsker du dækning af skader på din egen bil, dækker kaskoforsikringen alt fra trafikuheld og hærværk til tyveri og oversvømmelse, så du hurtigt kan komme tilbage på vejen.

[172] Total loss: Covered ↩

Total-loss situations (theft or unrepairable damage) are covered under casco; the public product pages do not state a fixed compensation sum, and settlement details are set out in the full policy terms (vilkårsnr. 8815-1).

Kaskoforsikringen dækker skader på din bil ved fx uheld, tyveri og hærværk.

[173] Partial loss: Covered ↩

Repairable damage to the insured car is covered; at a Topdanmark preferred workshop the insurer handles the practical arrangements, while at an independent workshop the policyholder handles this themselves and forgoes the extra services.

Din bilforsikring giver dig mulighed for at vælge et fordelsværksted nær dig. Her klarer vi alt det praktiske, og du får lånebil, rengøring, bilvask og udvidet garanti på reparationen.

[174] Theft & robbery: Covered ↩

Kasko covers theft of the insured vehicle; theft is not covered if the car's key was kept in or near the vehicle at the time of the theft.

Tyveri, hvis nøglen var opbevaret i eller ved bilen

[175] Glass damage: DKK 1,781 ↩

Glass damage is covered under casco at the chosen deductible; with the optional Udvidet glasforsikring add-on, glass replacement carries a reduced deductible of DKK 1,781.

Lav selvrisiko på 1.781 kr. ved udskiftning af bilens glas.

[176] Natural perils: Covered ↩

Kasko covers damage from flooding among the perils listed alongside traffic accidents, vandalism and theft.

Ønsker du dækning af skader på din egen bil, dækker kaskoforsikringen alt fra trafikuheld og hærværk til tyveri og oversvømmelse, så du hurtigt kan komme tilbage på vejen.

[177] Vandalism: Covered ↩

Kasko covers damage caused by vandalism to the insured car.

Ønsker du dækning af skader på din egen bil, dækker kaskoforsikringen alt fra trafikuheld og hærværk til tyveri og oversvømmelse, så du hurtigt kan komme tilbage på vejen.

[178] Roadside assistance: Conditional ↩

Domestic vejhjælp (with a one-hour help guarantee) and an 'extended' upgrade (wheel change, car wash, car check) are selectable paid add-ons; separately, international rescue cover across Europe is automatically included in casco for private cars up to 3,500 kg total weight, while heavier vehicles need the optional roadside-assistance add-on for cover abroad.

Bemærk: Du har automatisk vejhjælp i udlandet, hvis du har kaskoforsikring til din bil.

[179] Replacement vehicle: Conditional ↩

A loan car is provided free of charge when a Topdanmark preferred repair workshop is used for casco repairs, or if the car is stolen; otherwise, with roadside assistance cover, a loan car can be rented from 242 DKK/day.

Hvis du har kaskoforsikring til din bil, og du vælger et af vores fordelsværksteder, kan du få lånebil, rengøring, bilvask - og udvidet garanti på din reparation.

[180] Driver accident: Optional ↩

A separate optional accident cover for the car's driver in the event of a traffic accident; it is not paid out if compensation is available from a liable third party, a liability insurer, or statutory workers' compensation.

En særlig ulykkesforsikring, der dækker bilens fører i en bilulykke. ... Hvis der er mulighed for at få erstatning fra en ansvarlig skadevolder, en ansvarsforsikring eller en lovpligtig arbejdsskadeforsikring.

[181] Own damage: Covered ↩

Casco covers any damage to the insured car, including damage from collisions, and pays either repair (restoring the car to the condition it was in before the damage) or a cash settlement, subject to the exclusions in §26 (e.g. wear and tear, frost damage). Standard factory-fitted accessories are covered without limit; non-standard fitted accessories are capped at 19,700 kr (2026).

Fastmonteret tilbehør og ekstraudstyr som er standard for bilmodellen, er dækket uden begrænsning. Fastmonteret tilbehør og ekstraudstyr som ikke er standard for bilmodellen eller fabriksmonteret, er dækket med højest 19.700 kr. (2026).

[182] Total loss: Covered ↩

If the car is a total loss, Vejle Brand pays cash compensation equal to the price of an equivalent car of the same age and condition. For cars that were factory-new or near-new (max. 5,000 km) when the policy started, damaged within the first year, with repair costs exceeding 50% of current new value, Vejle Brand pays new-value compensation instead. New-value rules do not apply to leased cars.

Reglerne om nyværdierstatning gælder ikke, hvis bilen er leaset.

[183] Partial loss: Covered ↩

Vejle Brand may have the car repaired to the condition it was in before the damage; betterment from replacing worn or corroded parts is paid by the policyholder, and any reduction in trade value is not compensated. If required parts or a necessary software update are not obtainable under normal conditions and at a normal price, Vejle Brand may settle in cash instead, based on the normal price of equivalent used parts or the normal update cost.

Bilen skal ved reparation sættes i samme stand som før skaden. Forbedring som følge af udskiftning af slidte eller tærede dele, skal du selv betale. En eventuel forringelse af bilens handelsværdi erstatter vi ikke.

[184] Theft & robbery: Covered ↩

Casco covers theft of, and robbery involving, the insured car. Equipment not permanently fitted to the car is covered against theft only if it was kept in a locked building and evidence of forced entry can be established. If Vejle Brand requires anti-theft security to be fitted, cover for theft is conditional on that security having been engaged at the time of the theft.

Hvis vi stiller krav om tyverisikring, er det en betingelse for dækning af tyveri, at tyverisikringen var tilsluttet, da tyveriet skete.

[185] Glass damage: Covered ↩

Damage limited to the car's glass (windows, headlamp/mirror glass, sunroof, etc.) is covered as part of general casco cover, subject to the deductible stated in the policy. The optional Udvidet Glas (Extended Glass) rider removes the deductible for glass repairs and reduces the deductible for glass replacement caused by a glass claim, with no impact on the no-claims price scale.

At du ikke betaler selvrisiko ved reparation af glasskader på din bil. Vi opkræver selvrisiko ved udskiftning af det beskadigede glas (se din police).

[186] Natural perils: Covered ↩

Damage to the car from perils such as storm, lightning strike or flood is covered as part of the general 'any damage' casco cover; lightning strike is explicitly listed as a covered cause of damage to mechanical/electrical parts. Frost damage (frostsprængning) is explicitly excluded, as is weather-related wear such as scratches from windscreen wipers or corrosion.

Frostsprængning.

[187] Vandalism: Covered ↩

Vandalism damage to the car is covered under general casco cover ('any damage'), and hærværk is explicitly listed among the causes that trigger cover for otherwise-excluded mechanical/electrical damage. Under the optional Udvidet Kasko rider, damage from serial vandalism (hærværk against two or more cars in the same incident, confirmed by the police) carries no deductible and no impact on the no-claims price scale.

Skader som følge af seriehærværk, hvor der er udøvet hærværk mod to eller flere biler under samme hændelsesforløb, og som alle er anmeldt til, og kan bekræftes af politiet.

[188] Roadside assistance: Covered ↩

With casco cover, the policy automatically includes rescue insurance abroad (via SOS-International's Red Card) for private cars and vans with a permitted total weight of up to 3.5 tonnes, except when the trip's purpose is goods transport. In Denmark, casco also pays for transporting the car to the nearest repairer and for collecting it after theft, when the damage is covered and the transport is necessary.

Hvis du har tegnet kaskoforsikring for din bil, omfatter forsikringen også redningsforsikring i udlandet for person- og varevogne til privat kørsel med tilladt totalvægt på maks. 3,5 ton.

[189] Replacement vehicle: Optional ↩

Not a courtesy car: this is the optional Bilafsavn rider, purchasable only together with casco, which pays a fixed daily cash amount (stated in the policy) for loss of use of the car when the damage is covered by casco. Maximum 14 days for repairs carried out in Denmark, maximum 4 weeks for theft (plus up to 14 further days' repair allowance if the car is recovered), and a flat 5 days with no waiting period for total loss. The first day is always an unpaid waiting period.

Vi betaler erstatning for afsavn af bilen, hvis skaden er omfattet af kaskodækningen, med et fast beløb pr. dag. Det faste beløb pr. dag kan du se på din police. Første dag er altid karensperiode, hvor vi ikke betaler erstatning.

[190] Driver accident: Optional ↩

Optional rider, purchasable together with liability and casco cover, that pays for the consequences of personal injury to the car's driver directly caused by a driving accident with the insured car. Covers permanent injury (mén), dental injury, pain and suffering, treatment and other costs, loss of earning capacity, lost income, loss of provider, and funeral assistance, calculated under the Danish Liability for Damages Act (Erstatningsansvarsloven); no fixed sums are stated, unlike the previous Førerulykkesforsikring product it replaced.

Førerdækning kan købes sammen med Ansvarsforsikring og Kaskoforsikring. Forsikringen dækker følgerne efter en personskade på bilens fører, når den direkte skyldes et kørseluheld med den forsikrede bil.

[191] Own damage: Covered ↩

Kasko covers any damage to the insured vehicle (including hybrid/EV battery, charging cables and owned/rented charging boxes) except the listed exclusions such as gradual wear, mechanical breakdown not caused by fire/collision/theft, or driving under the influence. Settlement is by repair or a cash payment equal to the market value of a comparable vehicle.

Kaskoforsikringen dækker bortset fra de under pkt. 7.4 anførte tilfælde enhver skade på det forsikrede køretøj samt tab af køretøj ved tyveri eller røveri.

[192] Total loss: Covered ↩

If a kasko claim is so severe the vehicle is declared a total loss, or if a stolen vehicle is not found within 28 days, cash compensation equal to the market value of a comparable vehicle is paid and the damaged vehicle passes to the insurer. For private cars, if the damage occurs within the first year after first registration and the car was factory-new at inception, and repair costs would exceed 50% of the new value, the owner is entitled to a brand-new replacement vehicle instead.

Afgøres skaden ved kontant erstatning, eller findes køretøjet ved tyveri eller røveri ikke inden 28 dage efter, at selskabet har modtaget skadeanmeldelse, ansættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling

[193] Partial loss: Covered ↩

The vehicle is repaired to the condition it was in before the damage. The insurer is entitled to designate the repairer. Extra costs of repairs carried out outside normal working hours and any resulting reduction in the vehicle's trade value are not covered, and betterment from replacing worn or corroded parts is paid by the policyholder.

Køretøjet skal ved reparation sættes i samme stand som før skaden. Selskabet er berettiget til at anvise en reparatør. Forøgede udgifter ved reparation foretaget udenfor normal arbejdstid samt eventuel forringelse af køretøjets handelsværdi som følge af reparation erstattes ikke.

[194] Theft & robbery: Covered ↩

Kasko covers loss of the vehicle by theft or robbery. If the vehicle is not recovered within 28 days after the company received the claim notification, the claim is cash-settled at the market value of a comparable vehicle and the vehicle (if later found) belongs to the insurer.

Kaskoforsikringen dækker bortset fra de under pkt. 7.4 anførte tilfælde enhver skade på det forsikrede køretøj samt tab af køretøj ved tyveri eller røveri.

[195] Glass damage: Covered ↩

Glass damage is already covered under base kasko as part of 'any damage' to the vehicle. Repair (not replacement) of stone-chip damage to glass carries no deductible. The optional 'Glas- og friskade' add-on does not add new scope but removes or reduces the deductible that would otherwise apply when glass is replaced.

ved reparation (ikke udskiftning) af køretøjets glas ved stenslag.

[196] Natural perils: Covered ↩

Sudden natural damage (e.g. falling objects, fire, lightning) is covered under kasko's general 'any damage' cover. Damage from earthquakes and other natural catastrophes, war, civil unrest and NBCR/nuclear events is excluded unless it can be shown the damage was not caused directly or indirectly by these events, and gradual weather-related deterioration (corrosion, rust, frost damage) is excluded as ordinary wear and tear.

Forsikringen dækker ikke skade eller ansvar for skade opstået under jordskælv eller andre naturkatastrofer, krig oprør og borgerlige uroligheder, NBCR-terrorskader (terrorhandlinger hvor der anvendes nukleare, biologiske, kemiske eller radioaktive våben), eller udløsning af atomenergi, med mindre det kan godtgøres, at skaden hverken direkte eller indirekte skyldes de anførte forhold.

[197] Vandalism: Covered ↩

Vandalism is covered under kasko's general 'any damage' cover. With the optional Friskade add-on, the deductible is removed or reduced for serial vandalism.

skader ved brand, eksplosion, seriehærværk, kortslutning, lynnedslag, tyveri, røveri og nedstyrtende genstande på køretøjet.

[198] Roadside assistance: Covered ↩

When kasko is taken out, emergency rescue assistance abroad is included via the Rødt Kort (red card)/SOS International scheme for vehicles up to 3,500 kg total weight, per the insurer's separate rescue-abroad terms. This foreign cover, including rescue, may be changed or cancelled by the company with 14 days' notice. Domestic roadside assistance ('Autohjælp') for everyday breakdowns in Denmark is a separate, optional paid add-on, not included by default.

Forsikringen dækker alene, hvis kaskoforsikring er tegnet. Redningsforsikring ydes iht. forsikringsvilkårene for redningsforsikring i udlandet (Rødt kort – ordningen).

[199] Replacement vehicle: DKK 397 ↩

Optional add-on (applies only if shown on the policy) paying a fixed daily cash indemnity of 397 DKK (2023 index) for each day the car cannot be used due to theft/robbery (up to 28 days total) or total loss (up to 10 days total), rather than providing a substitute vehicle.

Erstatningen udgør 397 kr. (indeks 2023) pr. dag, bilen er forsvundet, samt for hver dag, der ifølge taksators opgørelse medgår til reparation efter bilens tilvejekomst eller efter kontanterstatning er aftalt.

[200] Driver accident: Optional ↩

Optional add-on covering injury to the driver in a single-vehicle accident, including sick pay, compensation for permanent injury, loss of earning capacity and lost wages.

Førerpladsdækningen dækker i situationer, hvor du kommer til skade i et solouheld. Dækningen omfatter bl.a. godtgørelse for de dage, hvor du er sygemeldt som følge af ulykken, godtgørelse for varige mén som følge af ulykken, varigt tab af erhvervsevne og tabt arbejdsfortjeneste.