Aros Forsikring - Gensidigt Forsikringsselskab
Aros Forsikring
Aros Forsikring is a motor casco insurance for the Denmark market with online purchase and 24/7 assistance.
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.
Geographic scope
Denmark
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
Driver accident insurance (Førerulykkesforsikring)
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.
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.
Territorial scope
Cover applies in Europe and in countries outside Europe where the Green Card scheme is valid; special border/frontier insurance can be requested for countries normally requiring a green card.
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.
Policy specifics
License plate insurance
Coverage for stolen historic license plates and replacement mounting costs included with casco insurance
SourceDriver injury insurance (Føreulykksforsikring)
Coverage for driver injuries in accidents, included as mandatory part of the insurance
SourceForeign coverage (EU/EEA countries)
Veteran car is covered for driving in Denmark and EU/EEA countries
SourceFree workshop choice
When casco insurance is selected, policyholder can choose any local workshop for repairs
SourcePrivate transport coverage
Coverage for damage when loading/unloading the veteran car on auto-trailers or during transport
SourceNo originality requirement
Vehicle does not need to be in original condition; modifications are allowed
SourceUnlimited mileage
No restrictions on kilometers driven annually; unlimited driving allowed year-round
SourcePrimary vehicle requirement
Policyholder must have a regular car as primary vehicle and veteran car must be registered as veteran with SKAT
SourceHigh-value vehicle approval
Vehicles with daily value over 200,000 DKK and/or more than 200 HP require special approval from AROS
SourceNo driver personal injury coverage
Liability and casco do not cover personal injuries to the driver
SourceDeductible options
Choice between 1,000 DKK or 3,500 DKK deductible (3,500 DKK option includes 15% premium discount)
Source