Alm. Brand Forsikring A/S

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.

Territorial scope

Covers driving in Europe and in countries outside Europe that are part of the green card scheme; outside Denmark the same sums insured apply as for driving in Denmark.

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 repair payment

Alm. Brand pays the repair workshop directly; for cash settlement, the damaged vehicle belongs to Alm. Brand

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, theft, robbery, vandalism and lightning damage losses - these are treated as free losses (friskader)

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

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

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

Animal collision coverage

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

Young Driver program

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

Maintenance requirement

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

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

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

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

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

Section: 1 Fællesbestemmelser > 1.10 Selvrisiko

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