Alm. Brand
Alm. Brand is a motor casco insurance for the DK market with online purchase and limited assistance availability.
Direct payment
Alm. Brand pays the repair workshop directly; for cash settlements the damaged vehicle is surrendered to Alm. Brand. VAT is settled separately for registered businesses.
Geographic scope
DK
Europa og lande uden for Europa, der er med i grønt-kort-ordningen (jf. betingelsernes punkt 1.2.1)
Unique selling points
- No deductible on fire, theft, robbery, serial vandalism and lightning claims – these are treated as no-fault 'friskade' events that also do not worsen the bonus tier.
- New-for-old replacement (nyværdierstatning) is available within the first year of registration for privately owned passenger cars where repair costs exceed 50% of new value.
- Automatic annual bonus progression to cheaper price tiers for claim-free driving, with the elite tier protected against tier increases even after a claim.
- Legal expenses insurance (retshjælpsforsikring, up to DKK 225,000) and European rescue insurance (rødt SOS-kort) are automatically included with CASCO at no extra charge.
- The 'Ung Fører' add-on lets resident children accumulate no-claims seniority on the parent's policy, avoiding the young-driver deductible surcharge when they later take out their own policy.
Coverage limits
Own Vehicle Damage
Covered
Covers all damage to the insured vehicle from traffic accidents, collision, fire, lightning, explosion, vandalism and other external causes. Compensation is capped at the vehicle's market value. Repairs are carried out to restore the vehicle to its pre-loss condition; if repair costs exceed the Ministry of Taxation's threshold the vehicle is declared a total loss and cash compensation is paid.
Total Loss
Covered
When repair costs exceed the statutory threshold set by the Ministry of Taxation, the vehicle is declared a total loss and compensation is paid as a cash settlement equal to the market value of a comparable vehicle. New-for-old replacement (nyværdierstatning) applies within the first year of registration for privately registered passenger cars where repair costs exceed 50% of new value.
Partial Loss / Repair
Covered
Covers partial damage to the insured vehicle. The insurer may choose to repair, pay cash compensation equal to the repair cost, or procure equivalent parts. The insurer has the right to select the repairer. Cosmetic differences after repair (e.g. paint shade) are not covered.
Theft and Robbery
Covered
Covers total loss of or damage to the vehicle due to theft or robbery. Cash compensation can be settled earliest 4 weeks after the claim is reported to both Alm. Brand and the police. Transport costs to return a recovered undamaged vehicle to the policyholder's address are also covered.
Glass Damage
Covered
Standard CASCO covers glass damage with the regular policy deductible. The optional add-on 'Udvidet Glasforsikring' (Extended Glass) reduces the deductible to DKK 1,581 (index 2019) for glass replacement and to zero deductible for glass repair. Glass claims under Udvidet Glasforsikring do not worsen the policyholder's bonus tier.
Natural Perils (Fire, Lightning, Explosion)
Covered
Covers damage to the vehicle caused by fire, lightning strike and explosion. These perils are also covered under the Delkaskoforsikring (partial CASCO). No deductible is charged when the cause is fire, lightning, explosion, theft, robbery or serial vandalism (friskade rule).
Vandalism
Covered
Covers damage caused by intentional vandalism. Serial vandalism (seriehærværk – damage to three or more vehicles in the same incident, confirmed by police) is treated as a no-fault claim and no deductible is applied. Standard vandalism may trigger a deductible.
Roadside Assistance (Vejhjælp)
Optional
Optional add-on 'Alm. Brand Vejhjælp' covers vehicle assistance (jump-start, tyre change, towing to a workshop of choice) and passenger transport to the nearest train/bus station or destination in Denmark. Valid throughout Denmark (excluding Greenland and the Faroe Islands) and in Europe with special conditions. No deductible. Contact number: +45 38 48 88 22.
Replacement Vehicle
Excluded
A replacement vehicle (lånebil) is not included as a standard benefit in the Alm. Brand Kaskoforsikring (AU1901). The policy does not provide for a courtesy car during repairs. Some brand-specific partnerships (e.g. VWSF) include a loan car, but this is not a feature of the standard Alm. Brand policy.
Driver Accident Cover
Optional
Optional add-on. Standard 'Førerulykkesforsikring' covers permanent disability (varigt mén) and death of the driver in single-vehicle accidents (eneulykker) where no liable third party exists. The insured sum for 100% disability is stated in the policy and is index-regulated. An upgraded 'Udvidet Førerulykkesforsikring' also covers treatment costs, lost earnings, pain and suffering, and loss of earning capacity.
Key conditions
driver_age_experience_limit
A minimum deductible of DKK 6,324 (index 2019, annually index-regulated) applies for all CASCO claims where the driver is under 25 years of age, regardless of the standard policy deductible. This age-based surcharge does not apply when the policyholder is a business and the driver is an employee or owner of that business.
repair_network_requirements
Alm. Brand has the right to select the repairer. For repairs of vehicles entrusted to a workshop that is an insured party on the policy, repairs that can be done at the workshop's own facilities must be invoiced at net prices if the workshop is responsible for the damage. Repairs carried out at other workshops are compensated at the rate the repairer normally pays.
territorial_scope
The insurance covers Europe and countries outside Europe participating in the green card system. If another insurance exists for driving abroad, this policy covers only on a subsidiary basis.
anti_theft_requirements
For theft coverage of unmounted accessories, spare parts and tools: items must be stored in a properly locked room and forcible entry must be demonstrable.
claim_notification_deadline
All claims must be reported to Alm. Brand as soon as possible (via almbrand.dk/anmeldskade or telephone 35 47 35 00). Theft, robbery and vandalism must additionally be reported to the police immediately. Alm. Brand must consent before any repair agreement is concluded, except where it would be illegal or unsafe to continue driving without minor repairs.
deductible_rules
The deductible amount is stated in the policy and is index-regulated annually. No deductible is charged for: (i) fire, lightning, explosion, theft, robbery or serial vandalism claims (friskade); (ii) damage caused by a known liable third party; (iii) damage occurring while the vehicle is in the custody of a workshop insured on the policy. A special deductible of 20% of the loss applies if damage occurs while driving with a raised crane or tipper. Glass repair under Udvidet Glasforsikring carries no deductible; glass replacement carries DKK 1,581 (index 2019).
Policy specifics
Theft Coverage
Coverage for loss of vehicle due to theft or robbery
Fire Coverage
Coverage for damage to vehicle caused by fire or lightning strike
Collision Coverage
Coverage for damage to vehicle from traffic accidents and collisions
Vandalism Coverage
Coverage for damage caused by intentional vandalism or malicious acts
Accessories Coverage
Coverage for fixed and movable car accessories with limits
European Coverage
Coverage extends to Europe and countries participating in the green card system
Deductible (Selvrisiko)
Customer co-payment amount per claim for CASCO coverage
Vehicle Age Restriction
Coverage limitations based on vehicle registration date and mileage
Optional Add-ons
Optional coverage extensions including extended driver accident, roadside assistance, and legal aid
Claim Notification
Requirement to report claims and maintain documentation
Excluded Mechanical Damage
Damage to mechanical, electrical or electronic parts not caused by covered events is excluded
Insurer Information Requirements
Customer obligations to provide honest answers and timely notification of changes