Codan
Codan is a motor casco insurance for the DK market with online purchase and 24/7 assistance.
Direct payment
Codan pays repair workshops directly when an approved workshop (Codan Fordelsværksted) is used; for glass damage Codan pays the workshop directly. Cash compensation is transferred to the policyholder's NemKonto. The policyholder must pay the deductible directly.
Geographic scope
DK
Denmark and Green Card countries for CASCO (same as Denmark per T&C section 5). Liability covers all Green Card member countries. Roadside assistance (Vejhjælp) covers Denmark only.
Unique selling points
- Elite driver status (Elitebilist) available from day one if the driver is 25+ with 3 claim-free years, locking in the lowest premium without automatic price increases after a claim.
- Optional zero-deductible cover (Selvrisikosikring) eliminates the standard excess for glass damage, theft, vandalism, fire, falling objects and animal collisions in a single add-on.
- Wrong-fuel coverage (fejltankning) included as standard in the CASCO product, covering tank draining, filter replacement and 10 litres of correct fuel at no additional premium.
- New-value replacement (Nyværdierstatning) for factory-new personal cars within one year of first registration when repair costs exceed 50% of new value, protecting buyers of brand-new vehicles from depreciation losses.
- 24/7 emergency helpline (33 55 55 55) and online claims reporting around the clock, with a dedicated case manager and real-time claim tracking via Mit Codan, plus direct payment to approved workshops.
Coverage limits
Own damage (collision / accidental damage)
Covered
Covers damage to the insured vehicle caused by collision, impact, overturning, or other accidental damage while driving or stationary, including damage during towing or vehicle transport. Mechanical, electrical and electronic damage is only covered if caused by collision, fire, lightning, explosion, theft or vandalism. Compensation is set at the cash purchase price of a comparable vehicle (same make, model, type, age and condition). New-value replacement applies to brand-new personal cars within one year of first registration if repair cost exceeds 50% of new value.
Total loss
Covered
If the damage is so extensive that repair is not economically viable, or the vehicle is stolen and not recovered within four weeks, Codan pays a cash settlement equal to the market value of a comparable vehicle. For brand-new personal cars (excluding leasing cars) within one year of first registration where repair cost exceeds 50% of new value, replacement is at new value (nyværdi). Demo cars with at most 6,000 km at inception are treated equivalently.
Partial loss (repair)
Covered
Partial damage to the vehicle is covered under the CASCO clause. Codan may choose to have the vehicle repaired or pay cash compensation. If repaired, the vehicle must be restored to its pre-loss condition. Codan may direct the policyholder to an approved workshop (Codan Fordelsværksted). If repairs are carried out at a non-approved workshop, Codan pays the rate the repairer normally charges for such work. Depreciation in trade value, replacement of worn/corroded parts, cosmetic differences and overtime repair costs are not covered.
Theft and robbery
Covered
Covers theft and robbery of the vehicle including consequential damages. If the vehicle is found within four weeks of the claim notification, Codan pays transport to an agreed workshop near the policyholder's home address. If not found within four weeks, cash compensation is paid at the market value of a comparable vehicle. Where specified in the policy, a Codan-approved immobiliser and tracking system must be installed and activated at the time of theft, the vehicle must be locked, and keys must not be in or near the vehicle.
Glass damage (windscreen / windows)
Covered
Stone chip damage to the windscreen that can be repaired is covered without deductible (under full CASCO or partial CASCO / Delkasko). Stone chip damage to windows, mirrors and light glass is also covered under partial CASCO (Delkasko), provided no other damage occurs to the vehicle in the same event. Glass and sunroofs are not covered under partial CASCO. If the windscreen must be replaced (not repairable), a special deductible applies as stated in the policy (covered under the Selvrisikosikring add-on). Deductible-free repair of up to 3 stone chips per year is referenced on the marketing page.
Fire, lightning and explosion
Covered
Fire (defined as a free-burning flame spreading under its own power), lightning strike and explosion are covered under full CASCO. Note: damage caused by natural catastrophes such as earthquakes is explicitly excluded under the general exclusions. Weather-related damage such as frost cracking and rust corrosion is also excluded. Damage from wind and weather is not covered. Coverage mirrors the Delkasko (partial CASCO) perils list.
Vandalism (hærværk)
Covered
Damage to the vehicle caused with malicious intent (hærværk) is covered under CASCO. Under the optional Selvrisikosikring add-on, the standard deductible is waived for vandalism claims. Vandalism must be reported to the police (as per general conditions section 5.3).
Roadside assistance (Vejhjælp)
Optional
Available as an optional add-on (Vejhjælp – uden påhængsvogn or Vejhjælp – med påhængsvogn). Covers vehicles under 3,500 kg in Denmark only. Services include towing to nearest Codan Fordelsværksted or agreed workshop, jump-start, wheel change, fuel delivery, door opening, recovery from ditch, windscreen cover, roadside medical assistance, continuation-of-journey transport reimbursement and bridge/ferry tolls when towing between regions. One assistance per incident. Assistance for breakdowns arising within 24 hours of taking out the coverage is excluded. Separately, full CASCO and Delkasko include an international rescue insurance (det røde kort / SOS International) for private passenger cars and vans up to 3,500 kg when travelling abroad.
Replacement / loan vehicle (Lånebil)
Optional
A loan vehicle is available as an optional add-on when the insured vehicle is being repaired at a Codan Fordelsværksted. The terms and conditions document does not specify the maximum number of days; this is stated in the individual policy. Not included as standard in the base CASCO product; must be selected as a paid add-on.
Driver accident cover (Førerplads)
Optional
Optional add-on (Førerplads) covering physical injuries to the driver of the vehicle in traffic accidents where no other motorised vehicle is involved, including injury during entry/exit of the vehicle. Compensation is calculated under the Danish Liability Act (Lov om erstatningsansvar). Covers lost earnings, medical expenses, pain and suffering, permanent disability, loss of earning capacity and loss of support. Not covered: intentional/grossly negligent acts, impaired driving, no licence, scenarios where a liable third party exists, pre-existing conditions, motor racing, or when the vehicle is used for hire/reward.
Key conditions
driver_age_experience_limit
If the policy is priced based on the regular driver being 26 years or older, an additional deductible (as stated in the policy) applies when a driver under 26 causes a claim. Exception: if the regular driver's spouse or cohabiting partner was driving at the time. The driver's age is recorded in the policy. Elite driver status (Elitebilist) is available from day 1 at Codan for drivers aged 25 or over with at least 3 consecutive claim-free years, granting a lower premium tier.
repair_network_requirements
Codan may direct repairs to a Codan Fordelsværksted (preferred workshop) and specify parts suppliers. If repairs are carried out at a non-approved workshop, Codan pays the rate that repairer normally charges for such work. When a dealer/repairer is liable for the damage, repairs at their own workshop are settled at net prices (no mark-up). Transport to the nearest Codan Fordelsværksted is provided if the vehicle cannot be driven.
territorial_scope
CASCO coverage applies in Denmark (excl. Greenland and Faroe Islands) and the same Green Card member countries as liability, on the same terms as in Denmark, provided the damage is not covered by another insurance covering driving abroad. Roadside assistance (Vejhjælp) is limited to Denmark only. Full CASCO and Delkasko include an international rescue insurance (SOS International / det røde kort) for private passenger cars and vans up to 3,500 kg. For vehicles between 3,000–3,500 kg, the cost of hiring a replacement vehicle abroad is not covered.
anti_theft_requirements
Where specified in the policy, theft coverage requires: (1) a Codan-approved immobiliser and tracking system installed and active at the time of theft; (2) the tracking system transmitting a signal to an approved control centre; (3) the vehicle to be locked when left unattended; (4) keys not to be in or near the vehicle and stored securely. Theft and robbery must be reported to the police immediately (section 5.3); failure to do so may affect the claim settlement. Theft abroad must be reported to police both in the foreign country and in Denmark.
claim_notification_deadline
All claims must be reported to Codan immediately (straks). Theft, robbery and vandalism must also be reported to the police immediately. Agreements on claims and repairs must be approved by Codan in advance. Minor repairs may be made without prior approval only if the journey cannot be postponed and continuing without repair is illegal. Emergency assistance is available 24/7 on +45 33 55 55 55. Roadside assistance is called on +45 33 55 44 66.
deductible_rules
The deductible amount is stated in the individual policy and is index-adjusted annually on 1 January. If both liability and CASCO damage occur in the same incident, only one deductible is paid – always the higher one. No deductible applies for: claims where Codan pays personal injury compensation and the driver is not liable for property damage; damage caused by an identified liable third party whose liability is waived by law; claims settled under the international rescue insurance (det røde kort); damage occurring while the vehicle is at a repairer/dealer; damage occurring within three weeks of ownership transfer; liability claims after theft of the vehicle; repairable stone chips in the windscreen (with CASCO or Delkasko). An additional deductible applies for drivers under 26 (see driver age condition). Optional Selvrisikosikring add-on eliminates the deductible for glass, theft/robbery, vandalism, fire/explosion/lightning, falling objects and animal collisions. A special deductible applies when the windscreen must be replaced rather than repaired.
Where to buy
Policy specifics
Crisis assistance
Psychological crisis support included with CASCO coverage
Wrong fuel coverage
Coverage for incorrect fuel fill-up, including tank emptying and filter replacement
New value replacement
Coverage for new vehicle replacement value during initial years of ownership
Roadside assistance
Roadside assistance and rescue services included or available as add-on
Deductible insurance
Optional coverage to reduce or eliminate deductible on specific damage types
Parking damage coverage
Optional coverage for damages to parked vehicle from third parties
Loan car service
Provision of loan vehicle during repair period after damage
Vehicle pickup service
Service to collect damaged vehicle and deliver it for repairs
Legal assistance
Coverage for legal assistance costs in disputes related to insurance claims
Windscreen stone damage
Coverage for stone chip damage to windscreen, with repair service included
Elite driver status
Special status granted to drivers over 25 with 3 years of claim-free driving
New vehicle theft conditions
Special conditions for theft coverage on new vehicles
Kilometer-based adjustment
Proportional claim reduction if actual driving exceeds stated kilometers
Geographic coverage area
CASCO coverage restricted to Denmark and Green Card countries
Leased vehicle ownership transfer
Special condition coverage for leased vehicles upon return/delivery