Extracted from source documents

Alm. Brand Casco (own-damage car insurance) (Casco Standard)

Underwritten by Alm. Brand Forsikring A/S · Denmark

casco (own-damage car insurance) from Alm. Brand for the Denmark market, with online purchase.

Verified Sep 1, 2026 · Terms dated 2022-02-01Sources

Online purchase

Unique selling points

No deductible on fire, theft, robbery, series vandalism and lightning claims, and these 'free losses' don't push you to a more expensive bonus tier.

Automatic annual bonus progression to a cheaper premium tier, with the top 'elite' tier protected from a price-tier increase even after a claim.

New-value (brand-new car) cash replacement for privately owned cars within the first year of registration if repair costs exceed 50% of the new price.

Deductible-free glass repair under Extended Glass Insurance, with only the lowest deductible charged for a full glass replacement.

The 'Ung Fører' programme lets home-living children build up their own claims-free driving history for a future Alm. Brand policy while avoiding the under-25 deductible surcharge.

Coverage limits

Covered

Own damage (Kasko)

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).

Clause 3.2Page 16

Section: Kaskoforsikring > 3.2 Hvilke skader dækker forsikringen?

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

Covered

Total loss settlement

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.

Clause 3.3.1.6Page 18

Section: Kaskoforsikring > 3.3 Hvordan beregner vi erstatningen? > 3.3.1 Reparation

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

Covered

Partial damage repair

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.

Clause 3.3.1.1Page 17

Section: Kaskoforsikring > 3.3 Hvordan beregner vi erstatningen? > 3.3.1 Reparation

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

Covered

Theft and 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.

Clause 3.3.2.3Page 18

Section: Kaskoforsikring > 3.3 Hvordan beregner vi erstatningen? > 3.3.2 Kontanterstatning

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

Optional

Extended glass insurance

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).

Clause 9.1.1Page 30

Section: Udvidet Glasforsikring > 9.1 Hvad dækker forsikringen?

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

Covered

Natural perils / weather damage

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).

Clause 3.2Page 16

Section: Kaskoforsikring > 3.2 Hvilke skader dækker forsikringen?

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

Covered

Vandalism (hærværk)

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.

Clause 3.2Page 16

Section: Kaskoforsikring > 3.2 Hvilke skader dækker forsikringen?

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

Optional

Alm. Brand Vejhjælp (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.

Clause 15.1Page 37

Section: Alm. Brand Vejhjælp > 15.1 Hvad dækker forsikringen?

Alm. Brand Vejhjælp dækker bilassistance og persontransport.

Replacement vehicle

No limit stated

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.

Optional

Driver accident cover (Førerulykke)

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.

Clause 7.1Page 25

Section: Førerulykkesforsikring > 7.1 Hvad dækker forsikringen?

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

Key conditions

Driver age and experience limit

For drivers under 25 years old, a minimum deductible of DKK 6,324 (2019 index) applies to Kasko claims regardless of the policy's normal deductible, unless the policyholder is a business and the driver is its employee or owner.

Repair network requirements

Alm. Brand has the right to choose which repair workshop carries out repairs, and consent must be obtained before a repair or settlement agreement is made, except for minor repairs required to make the car lawful or safe to drive.

Anti-theft requirements

Unmounted accessories, spare parts and tools are only covered against theft if they were stored in a securely locked space and there is evidence of forced/violent entry.

Claim notification deadline

All claims must be reported to Alm. Brand as soon as possible via almbrand.dk/anmeldskade or phone 35 47 35 00; theft, robbery and vandalism must also be reported to the police immediately.

Deductible rules

The deductible is stated in the policy and indexed annually. Only one deductible is charged if a liability claim and a Kasko/Delkasko claim arise from the same event. No deductible applies to 'free losses' (fire, lightning, explosion, theft, robbery, series vandalism, falling objects). A deductible of 20% of the claim applies to damage caused while driving with a raised crane or tipper bed.

Direct payment

Alm. Brand has the right to choose the repair workshop when a car is repaired; if the claim is settled in cash instead of repaired, the damaged car becomes the property of Alm. Brand.

Territorial scope

The insurance covers driving in Europe and in countries outside Europe that participate in the green card scheme; outside Denmark, cover applies with the same sums insured as for driving in Denmark.

Documents

Alm. Brand Bilforsikring - Terms and Conditions (AU 1901) (opens in a new tab)

Terms & conditions · PDF

Terms and Conditions for Car Insurance - Alm. Brand (opens in a new tab)

Terms & conditions · PDF

Car Insurance - Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Direct repair payment

Alm. Brand has the right to choose the repairer; for any cash settlement, the damaged vehicle becomes the property of Alm. Brand.

SourceClause 3.3.2Page 18

Section: 3 Kaskoforsikring > 3.3 Hvordan beregner vi erstatningen? > 3.3.2 Kontanterstatning

Ved enhver form for kontanterstatning efter punkt 3.3.2 tilfalder den skaderamte bil os.

No deductible for comprehensive losses

No deductible applies to fire, lightning, explosion, theft, robbery, series vandalism and falling objects onto the car - these are treated as free losses (friskader)

SourceClause 1.10.7Page 11

Section: 1 Fællesbestemmelser > 1.10 Selvrisiko

Vi opkræver ikke selvrisiko i følgende tilfælde: 1.10.7 Friskade – hvis der er købt Kaskoforsikring (se afsnit 3), og skaden sker som følge af brand*, lynnedslag, eksplosion*, tyveri, røveri, seriehærværk* eller nedstyrtning af genstande på bilen.

New value replacement

Available within first year after registration for privately-owned passenger vehicles where repair costs exceed 50% of new value

SourceClause 3.3.2.4Page 18

Section: 3 Kaskoforsikring > 3.3 Hvordan beregner vi erstatningen? > 3.3.2 Kontanterstatning > 3.3.2.4 Nyværdierstatning

For personbiler, der er registreret til privat personkørsel eller privat godstransport, bortset fra leasingbiler, har forsikringstageren* ret til en kontanterstatning, der svarer til prisen for en fabriksny bil af samme fabrikat, type og årgang som den skaderamte bil, hvis følgende betingelser er opfyldt: […] Skaden sker inden for 1 år efter den første registrering. […] Reparationsomkostningerne vil overstige 50 % af bilens nyværdi* inkl. leveringsomkostninger og bilens fastmonterede tilbehør på skadetidspunktet, se punkt 3.1.1. og 3.1.2.

Automatic annual bonus progression

Automatic annual advancement to cheaper premium tier for claim-free driving; elite tier is protected against premium increase even after a claim

SourceClause 1.9Page 10

Section: 1 Fællesbestemmelser > 1.9 Konsekvens ved skade

Hvis du kører skadefrit, rykker du hvert år automatisk til et billigere pristrin, indtil du når vores billigste trin (elite). […] Hvis du står på det billigste trin (elite), bliver du stående der, selvom du får en skade.

Extended glass insurance

Optional add-on coverage for vehicle glass damage; glass repair is deductible-free while glass replacement incurs a deductible

SourceClause 9.1Page 30

Section: Udvidet Glasforsikring > 9.1 Hvad dækker forsikringen?

Udvidet Glasforsikring dækker pris- og selvrisikomæssige konsekvenser, se punkt 9.1.1-9.1.3, ved skader, der begrænser sig til bilens glas.

Animal collision coverage

Coverage for vehicle damage resulting from collision with animals; affects pricing and deductible consequences as specified in policy

SourceClause 11.1Page 32

Section: Påkørsel af dyr > 11.1 Hvad dækker forsikringen?

Påkørsel af dyr dækker pris- og selvrisikomæssige konsekvenser, se punkt 1.9 og 1.10, ved kørselsskader, der sker som følge af sammenstød mellem et dyr og den forsikrede bil.

Young Driver program

Optional add-on allowing dependent young drivers to accumulate claim-free driving history applicable to future Alm. Brand car insurance

SourceClause 12.1Page 33

Section: Ung Fører > 12.1 Hvad er produktets formål?

Med Ung Fører optjener forsikringstagerens* hjemmeboende børn anciennitet for skadefri kørsel, som barnet kan bruge, hvis det senere opretter en Bilforsikring i Alm. Brand.

Maintenance requirement

Coverage dependent on vehicle maintenance performed according to manufacturer specifications; service booklet must be completed and invoices available

SourceClause 14.3Page 35

Section: Mekanisk Skade > 14.3 Forudsætning for dækning

Vedligeholdelse og service på bilen er foretaget i henhold til producentens forskrifter. Servicebogen er udfyldt efter forskrifterne, og tilhørende specificerede fakturaer kan vises.

Repair approval requirement

Alm. Brand must give consent before entering repair agreement unless it would be unlawful or irresponsible to continue driving without urgent minor repairs

SourceClause 1.5.2Page 9

Section: 1 Fællesbestemmelser > 1.5 Ved skade

Vi skal give samtykke til det, før der laves en aftale om erstatning eller reparation. Mindre reparationer kan dog sættes i værk, hvis det ville være ulovligt eller uforsvarligt at køre videre med bilen uden.

Geographic coverage limit

Coverage applies in Europe and countries outside Europe participating in green card scheme; applies in Denmark and other eligible jurisdictions

SourceClause 1.2.1Page 7

Section: Fællesbestemmelser > 1.2 Hvor dækker forsikringen?

Forsikringen dækker i Europa og i de lande uden for Europa, der er med i "grønt-kort"-ordningen.

Claim reporting timing

All claims must be reported to Alm. Brand as soon as possible via almbrand.dk/anmeldskade or phone 35 47 35 00; theft, robbery and vandalism must additionally be reported to police immediately

SourceClause 1.5.1Page 9

Section: 1 Fællesbestemmelser > 1.5 Ved skade

Alle skader skal hurtigst muligt anmeldes til os. Du kan anmelde din skade på: almbrand.dk/anmeldskade telefon 35 47 35 00 […] Tyveri, røveri og hærværk* skal desuden hurtigst muligt anmeldes til politiet.

Deductible indexation

Deductible amount specified in policy is indexed annually

SourceClause 1.10Page 11

Section: 1 Fællesbestemmelser > 1.10 Selvrisiko

Selvrisikobeløbet indeksreguleres*. Se punkt 1.12. […] Forsikringssummer*, erstatningsmaksimumbeløb og generelle selvrisici regulerer vi den 1. januar.

Sources