Reviewed from source documents

Codan Forsikring A/S

Codan

Codan is a motor casco insurance for the Denmark market with online purchase and 24/7 assistance.

Last verified Sep 1, 2026Reviewed by: Boleron EUUnderwritten by: Codan
Online purchase24/7 helpline

Direct payment

Codan can direct repairs to an approved repair network (Codan Fordelsværksteder) and may pay/advance costs directly to the workshop (e.g. VAT on repairs is advanced by Codan and reclaimed from the customer); Codan can also choose to settle a claim with a cash payment instead of repair.

Geographic scope

Denmark (excluding Greenland and the Faroe Islands) and Green Card countries for kasko cover; roadside assistance (Vejhjælp) is limited to Denmark only.

Kasko covers damage abroad in Green Card countries on the same terms as in Denmark, provided the damage is not covered by another insurance covering driving abroad; roadside assistance under Vejhjælp only applies within Denmark.

Unique selling points

  • New customers can qualify for Codan's top no-claims discount tier ('Elitebilist') from day one if they meet the age and claims-free criteria, rather than having to build up eligibility over time.
  • An optional zero-deductible add-on (Selvrisikosikring) removes the excess entirely for a defined set of kasko claim types such as glass, theft, vandalism and fire.
  • Customers can earn up to a 15% multi-policy discount (samlerabat) by bundling several insurance products with Codan.
  • Coverage is fully customizable, letting drivers pick and choose exactly which add-on modules (e.g. roadside assistance, driver's seat cover) they need.
  • A 24/7 emergency claims hotline is available for serious accidents requiring immediate professional guidance.

Coverage limits

Own damage cover (Kasko)

Covered

Only in Kasko

Kasko covers damage to the insured car (and permanently fitted accessories/factory AV equipment), including theft and robbery, with settlement either by repair or cash payment based on the last known purchase price of a comparable car.

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Total loss settlement

Covered

Only in Kasko

If a car is settled as a total loss, cash compensation equals the purchase price for a comparable car (same make, model, type, age and condition). New-value replacement applies to non-leased passenger cars if the car was factory-new at policy inception, the damage occurs within one year of first registration, and repair costs exceed 50% of the car's new value; demo cars with max. 6,000 km driven qualify under the same conditions if only registered to the dealer.

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Partial damage repair

Covered

Only in Kasko

Codan repairs the car to its pre-damage condition (or settles in cash if repair is uneconomical), excluding loss of resale value, replacement of worn/corroded parts, cosmetic mismatch between parts, and out-of-hours repair surcharges.

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Theft and robbery cover

Conditional

Only in Kasko, Delkasko

Kasko covers theft and robbery of the car; if the car is not found within four weeks of reporting, cash compensation is paid. If Codan has required an approved immobilizer and tracking system in the policy, cover is conditional on it being installed, activated, transmitting to an approved control centre, and the car being locked with keys removed and stored securely.

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Glass damage

Covered

Only in Kasko, Delkasko, Selvrisikosikring

Damage to the car (including windows) is covered under Kasko as part of comprehensive own-damage cover; reparable stone-chip windscreen damage is exempt from deductible if Kasko or Delkasko is chosen; a special (higher) deductible applies if the windscreen must be replaced rather than repaired.

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Natural perils / weather damage

Excluded

Damage caused by natural catastrophes such as earthquakes is excluded under the general terms, and Kasko separately excludes damage caused by weather and wind, e.g. frost damage or corrosion/rust.

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Vandalism (hærværk)

Covered

Only in Kasko, Delkasko, Selvrisikosikring

Vandalism damage is covered under Kasko as part of the general 'damage to the car' cover (it is not among the listed exclusions), and is explicitly covered under Delkasko and under the optional zero-deductible cover (Selvrisikosikring).

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Roadside assistance (Vejhjælp)

Optional

Only in Vejhjælp – uden påhængsvogn, Vejhjælp – med påhængsvogn

Optional add-on covering breakdown/accident assistance (towing, jump-start, tyre change, fuel delivery, lock-out, recovery, continued journey costs) for cars under 3,500 kg, sold in two variants (with or without trailer/caravan). One assistance is given per incident, and cover applies in Denmark only, overriding the general Green Card territorial scope.

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Replacement vehicle / rental car

Excluded

Roadside assistance (Vejhjælp) explicitly does not cover the cost of a replacement car, and Kasko's foreign rescue cover does not cover vehicle rental costs for cars with a total weight between 3,000 and 3,500 kg driven abroad.

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Driver's seat accident cover (Førerplads)

Optional

Only in Førerplads

Optional add-on covering personal injury to the car's own driver in accidents where no other motor vehicle is involved, including boarding/alighting injuries; compensation follows the Danish Liability for Damages Act (loss of earnings, medical costs, pain and suffering, permanent injury, loss of earning capacity, dependants' loss, funeral costs).

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Key conditions

Driver age and experience limit

If the price is calculated on the basis that the regular driver is 26 or older, and a driver under 26 (other than the regular driver's spouse/partner) causes a claim, the policyholder must pay the deductible stated in the policy. Elitebilist (top no-claims) status is reached at age 25 with a minimum of 3 claims-free years; a claim adds an extra year before qualifying.

Repair network requirements

Codan may direct repairs to a nominated workshop and parts supplier (including its approved 'Fordelsværksted' network); if repaired elsewhere, Codan pays only what its own network would normally charge for the same repair.

Territorial scope

General cover applies in Denmark and Green Card countries; roadside assistance (Vejhjælp) is restricted to Denmark only, overriding the general territorial scope.

Anti-theft requirements

Where required by the policy, theft cover is conditional on an approved immobilizer and tracking system being fitted and active at the time of the theft, transmitting to an approved control centre, and the car being locked with keys removed and stored securely.

Claim notification deadline

All claims must be reported to Codan immediately; theft, robbery and vandalism must also be reported to the police immediately, as delay can affect the compensation under the Insurance Contracts Act.

Deductible rules

The deductible is the part of the claim the policyholder pays themselves. No deductible applies in specific cases (e.g. rescue-cover claims, claims where the at-fault party's liability lapses, claims occurring while the car is at a dealer/workshop, reparable windscreen stone chips under kasko/delkasko). Only one (the highest) deductible is charged if both liability and kasko claims arise, or if multiple Codan policies apply to the same claim; a special higher deductible applies if the windscreen must be replaced.

Where to buy

Get a car insurance quote from Codan

Documents

Terms and Conditions for Codan Bil

Terms & conditions

Open

Terms and Conditions for Codan Bil (alternate copy)

Terms & conditions

Open

Policy specifics

New value replacement for young cars

Replacement at new vehicle value (not depreciated value) for vehicles that were factory-new at purchase, up to 37 months old

SourceClause 4.3Page 10

Section: Kasko > 4 Sådan erstatter vi > 4.3 Du får kontant erstatning

Personbiler bortset fra leasingbiler erstattes med nyværdi*, hvis følgende punkter er opfyldt: […] - Bilen var fabriksny, da du købte forsikringen. […] - Skaden er sket inden for et år efter første indregistrering.

Delivery Kasko for leased vehicles

Optional comprehensive coverage for leased vehicles that covers damages discovered after vehicle return/delivery

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Approved repair network (Fordelsværksteder)

Insurance may guide or require use of approved repair workshops (Codan Fordelsværksteder) for certain claim situations

SourceClause 4.2Page 9

Section: Kasko > 4 Sådan erstatter vi > 4.2 Reparation

Vi kan anvise værksted og leverandør af reservedele med videre.

Zero deductible optional coverage

Optional coverage that eliminates or reduces the customer's deductible obligation for specific damage types

SourceClause 1Page 15

Section: Selvrisikosikring > 1 Forsikringen omfatter

Med Selvrisikosikring skal du ikke betale selvrisiko for skader: […] hvor den ansvarlige skadevolder* ikke er i stand til at betale skadebeløbet

Aftermarket equipment coverage

Coverage of aftermarket equipment up to 50,000 DKK with option to extend to 200,000 DKK

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Roadside assistance coverage (Vejhjælp)

24/7 roadside assistance available with and without trailer options; includes services like jump starts, tire changes, fuel delivery

SourcePage 18

Section: Vejhjælp – uden påhængsvogn

Vejhjælp – uden påhængsvogn […] 3.2 Starthjælp, hjulskifte, udbringning af brændstof m.m. […] Vejhjælp – med påhængsvogn

Annual mileage disclosure

Policyholder must accurately disclose estimated annual mileage; discrepancies can affect claim settlement or pricing

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Additional driver age excess

If policy price is calculated based on regular driver aged 26+, additional excess applies if driver under 26 causes claim

SourceClause 6.4Page 4

Section: Fællesbestemmelser > 6 Selvrisiko > 6.4 Selvrisiko hvis føreren er under 26 år

Hvis prisen for din forsikring er beregnet ud fra, at den faste bruger* er 26 år eller derover, og der sker en skade med en fører, som er under 26 år, skal du betale den selvrisiko, der står i policen.

Elite motorist status eligibility

Special discount tier available for drivers 25+ years old with minimum 3 years of damage-free driving history; available from day 1 with Codan

SourceClause 10.1Page 5

Section: Fællesbestemmelser > 10 Regulering af prisen > 10.1 Sådan bliver du Elitebilist

Du bliver Elitebilist, når du fylder 25 år og har kørt skadefri i minimum tre år. Som Elitebilist får du en endnu bedre pris.

Geographic coverage – Green Card countries

Kasko and Delkasko cover international claims on same terms as Denmark, provided damage not covered by foreign insurance; Green Card coverage in listed countries

SourceClause 5Page 10

Section: Kasko > 5 Sådan er du dækket i udlandet

Vi dækker kaskoskader i udlandet på samme måde som i Danmark*. Men kun hvis skaden ikke er dækket af en anden forsikring, der dækker kørsel i udlandet. […] Vi dækker delkaskoskader i udlandet på samme måde som i Danmark*. Men kun hvis skaden ikke er dækket af en anden forsikring, der dækker kørsel i udlandet.

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