Codan Casco (own-damage car insurance) (Kasko Standard)

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.

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.

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.

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.

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.

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.

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).

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; cover applies throughout Denmark (excluding Greenland and the Faroe Islands) and, on special terms, in countries covered by the Red Card scheme.

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.