Extracted from source documents

Aros Forsikring Casco (own-damage car insurance) (Aros Veteranforsikring Casco)

Underwritten by Aros Forsikring GS · Denmark

casco (own-damage car insurance) from Aros Forsikring for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2024-11Sources

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Key facts

Aros Forsikring

Unique selling points

No annual mileage cap, unlike most competing veteran-vehicle insurers that limit driving to around 6,000 km per year.

Year-round cover including the winter half-year at no extra premium surcharge.

No requirement for the vehicle to be in fully original condition, allowing tasteful modifications.

Free choice between a DKK 1,000 or DKK 3,500 deductible, with a 15% premium discount for choosing the higher option.

License plate insurance with zero deductible, covering all private cars and motorcycles in the household.

Coverage limits

Covered

Own damage cover

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.

Clause 19.1Page 11

Section: Veterankøretøj og klassisk køretøj > 19. Hvad dækker kaskoforsikringen

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.

Covered

Total loss / theft non-recovery cover

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.

Clause 21.2Page 12

Section: Veterankøretøj og klassisk køretøj > 21. Hvordan beregnes erstatningen

Afsavnstab erstattes ikke.

Covered

Partial damage / repair cover

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.

Clause 21.3Page 12

Section: Veterankøretøj og klassisk køretøj > 21. Hvordan beregnes erstatningen

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.

Covered

Theft and robbery cover

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.

Clause 19.1Page 11

Section: Veterankøretøj og klassisk køretøj > 19. Hvad dækker kaskoforsikringen

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

Covered

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.

Covered

Natural perils (fire, lightning, weather)

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.

Clause 12.1Page 7

Section: Generelt for alle dækninger > 12. Hvad dækker forsikringen ikke

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

Covered

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.

Clause 15.4Page 9

Section: Generelt for alle dækninger > 15. Hvis skaden sker

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

Optional

Roadside assistance (Aros Autohjælp PLUS)

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.

Clause 28.1Page 18

Section: Tilvalgsforsikring > 28. Aros Autohjælp Plus

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).

Excluded

Replacement vehicle / loss of use

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.

Clause 21.2Page 12

Section: Veterankøretøj og klassisk køretøj > 21. Hvordan beregnes erstatningen

Afsavnstab erstattes ikke.

Conditional

Driver accident insurance (Førerulykkesforsikring)

DKK 500K – DKK 1M

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.

Clause 27.5Page 17

Section: Førerulykkesforsikringen > 27.5 Hvordan dækker forsikringen

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

Key conditions

Driver age and experience limit

The casco terms for this veteran-vehicle product do not set out a specific minimum driver age or experience requirement.

Repair network requirements

The T&Cs state the insurer is entitled to designate the repairer and parts supplier for repairs; separately, Aros' marketing states that choosing casco gives the policyholder free choice of a local repair workshop.

Anti-theft requirements

No specific anti-theft device or immobiliser requirement is stated in the casco terms for this veteran-vehicle product.

Claim notification deadline

The insurer is entitled to reject casco claims that are not reported within 14 days of the date of loss.

Deductible rules

The policyholder can freely choose between a DKK 1,000 or a DKK 3,500 deductible on casco claims; choosing the higher deductible gives a 15% premium discount. No deductible applies to pure liability claims, to combined claims (only one deductible is charged), or to theft of the vehicle.

Direct payment

Aros settles casco claims either by cash compensation, by replacement, or by arranging repair at a workshop it designates, in which case Aros pays the repairer directly (including advancing VAT); a policyholder may also be offered free choice of local repair workshop as a casco benefit.

Territorial scope

Cover applies in Europe and in countries outside Europe where the international insurance card (Green Card) scheme is valid; a special border/frontier insurance may apply where required.

Documents

Veteran vehicle insurance terms and conditions M21-01 (November 2024) (opens in a new tab)

Terms & conditions · PDF

Veteran vehicle insurance terms and conditions M21-01 (March 2023) (opens in a new tab)

Terms & conditions · PDF

Veteran vehicle insurance terms and conditions M21-01 (May 2020) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

License plate insurance

Coverage for stolen historic license plates and replacement mounting costs included with casco insurance

Source

Section: Vælg tilvalgsforsikringer efter dine behov > Kaskoforsikring

Nummerpladeforsikringen dækker udgifterne til erstatning af stjålne nummerplader og montering af nye nummerplader på alle husstandens private biler og motorcykler, og det helt uden nogen selvrisiko. Gælder også for historiske nummerplader.

Driver injury insurance (Føreulykksforsikring)

Coverage for driver injuries in accidents, included as mandatory part of the insurance

Source

Section: Hvad indeholder din veteranforsikring?

Din veteranforsikring indeholder en lovpligtig ansvarsforsikring , førerulykkesforsikring og kørsel i udlandet.

Foreign coverage (EU/EEA countries)

Veteran car is covered for driving in Denmark and EU/EEA countries

Source

Section: Hvad indeholder din veteranforsikring? > Kørsel i udlandet

Med en veteranbilforsikring hos os, er din veteranbil dækket både ved kørsel i Danmark og EU-/EØS-landene.

Free workshop choice

When casco insurance is selected, policyholder can choose any local workshop for repairs

Source

Section: Vælg tilvalgsforsikringer efter dine behov > Kaskoforsikring

Tilvælger du en kaskoforsikring kan du selv vælge et lokalt værksted, så den, der skal udbedre skaden, er en, du stoler på.

Private transport coverage

Coverage for damage when loading/unloading the veteran car on auto-trailers or during transport

Source

Section: Vælg tilvalgsforsikringer efter dine behov > Kaskoforsikring

Ønsker du at fragte din veteranbil på en autotrailer eller autotransporter, er du dækket, hvis du ved et uheld kommer til at forårsage skade på din veteranbil, når du flytter den af og på autotraileren/autotransporteren, ligesom den også er dækket under selve transporten.

No originality requirement

Vehicle does not need to be in original condition; modifications are allowed

Source

Section: Spørgsmål og svar

Hos Aros Forsikring stiller vi intet krav om, at bilen skal fremstå i original stand. Vi har dog et krav om, at bilen ikke skifter karakteristik, samt at uoriginale dele, der monteres som alternativ til de originale, er delvist historiske korrekte.

Unlimited mileage

No restrictions on kilometers driven annually; unlimited driving allowed year-round

Source

Section: Spørgsmål og svar

Vi dækker lejlighedsvis kørsel, men har ikke valgt at sætte et maksimalt antal kilometer ind, på f.eks. 6.000 km, hvilket de fleste andre forsikringsselskaber af veteranbiler har, grundet at du ikke må benytte bilen som dit primære transportmiddel.

Primary vehicle requirement

Policyholder must have a regular car as primary vehicle and veteran car must be registered as veteran with SKAT

Source

Section: Spørgsmål og svar

Vi sætter ikke andre krav end, at dit køretøj ikke må bruges som dagligt transportmiddel.

High-value vehicle approval

Vehicles with daily value over 200,000 DKK and/or more than 200 HP require special approval from AROS

Source

Section: Hvad indeholder din veteranforsikring?

Har din veteranbil en dagsværdi over 200.000 kr. og/eller mere end 200 HK, skal bilen godkendes særskilt af Aros Forsikring, og tariffen er gældende for hele landet uanset postnummer.

No driver personal injury coverage

Liability and casco do not cover personal injuries to the driver

Source

Section: Hvad indeholder din veteranforsikring? > Lovpligtig ansvarsdækning