Motor casco

5 insurers with verified coverage data

Build a multi-insurer comparison

Comparison builder

Build a multi-insurer comparison

Select up to 4 insurers and compare them row by row. The matrix helps shortlist; each column still links to a full detail page.

Selected insurers 4/4

Add insurers to the matrix

Matrix full

25 of 26 rows shown

Feature / category	Alm. Brand May 14, 2026 Open details	Codan May 14, 2026 Open details	Gjensidige May 14, 2026 Open details	If May 13, 2026 Open details
Overview
Insurer	Alm. Brand Forsikring A/S	Codan Forsikring A/S	Gjensidige Forsikring, Danish branch of Gjensidige Forsikring ASA, Norway	IF SKADEFORSIKRING, FILIAL AF IF SKADEFÖRSÄKRING AB (PUBL), SVERIGE
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	No	Yes	Yes	Yes
Billing basis	annual	annual	annual	annual
Unique selling points	No deductible on fire, theft, robbery, serial vandalism and lightning claims – these are treated as no-fault 'friskade' events that also do not worsen the bonus tier. New-for-old replacement (nyværdierstatning) is available within the first year of registration for privately owned passenger cars where repair costs exceed 50% of new value. Automatic annual bonus progression to cheaper price tiers for claim-free driving, with the elite tier protected against tier increases even after a claim. Legal expenses insurance (retshjælpsforsikring, up to DKK 225,000) and European rescue insurance (rødt SOS-kort) are automatically included with CASCO at no extra charge. The 'Ung Fører' add-on lets resident children accumulate no-claims seniority on the parent's policy, avoiding the young-driver deductible surcharge when they later take out their own policy.	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.	Over 90% of online car damage claims are processed within 24 hours, providing industry-leading claims speed. No increased deductible for drivers under 25 years old — unique among major Danish insurers. Customers aged 28+ automatically receive elite driver status (elitebilist) from day one, delivering lower premiums without requiring a prior claims-free history. Free loan car at partner workshops during repair is included in all Kasko tiers, with 'Udvidet Lånebil' guaranteeing delivery within 24 hours and up to 30 days coverage including theft scenarios. Legal protection (retshjælp) covering attorney costs up to DKK 225,000 is included in Kasko Basis, Udvidet, and Premium — not a paid add-on.	Extra equipment installed after first registration is automatically covered up to DKK 50,000 per claim with no separate declaration required. Roadside assistance across Europe (incl. Turkey, Israel, Morocco) is included at no extra cost with every Kasko policy, with loan car coverage for up to 21 days abroad. Policyholder freely selects their own deductible – including DKK 0 – with no automatic annual indexation of the chosen amount. Serial vandalism on three or more vehicles (police-confirmed) is covered with zero deductible and no impact on the no-claims pricing step. Psychological crisis counselling (up to 10 hours) for driver and passengers is included in the Kasko policy after a traumatic covered incident at no extra cost.
IPID	IPID	Not available	IPID	IPID
Terms & conditions	Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions 1 Terms & conditions 2 Terms & conditions 3	Terms & conditions
Coverage
Own damage	unlimited	unlimited	unlimited	unlimited
Total loss	unlimited	unlimited	unlimited	unlimited
Partial loss	unlimited	unlimited	unlimited	unlimited
Theft & robbery	unlimited	unlimited	unlimited	unlimited
Glass damage	Covered	unlimited	Covered	Covered
Natural perils	unlimited	unlimited	unlimited	Covered
Vandalism	unlimited	unlimited	unlimited	unlimited
Roadside assistance	Optional	Optional	Optional	unlimited
Replacement vehicle	Excluded	Optional	DKK 30	Covered
Driver accident	Optional	Optional	Optional	Optional
Key conditions
Driver age experience limit	A minimum deductible of DKK 6,324 (index 2019, annually index-regulated) applies for all CASCO claims where the driver is under 25 years of age, regardless of the standard policy deductible. This age-based surcharge does not apply when the policyholder is a business and the driver is an employee or owner of that business.	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.	No increased deductible for drivers under 25 years old. Policyholders aged 28 and above automatically receive 'elite driver' (elitebilist) status from day one, which results in lower premiums without requiring a long claims-free history.	If the driver is under 25 years of age and the 'Ung bilist' add-on has not been selected, an additional DKK 5,000 deductible is charged per claim, on top of the agreed deductible. This extra deductible is waived if the driver is the policyholder, spouse, or cohabitant. The 'Ung bilist' add-on eliminates this extra deductible and allows resident children under 25 with a valid driving licence to earn up to 5 years of no-claims seniority applicable when they buy their own insurance at If.
Repair network requirements	Alm. Brand has the right to select the repairer. For repairs of vehicles entrusted to a workshop that is an insured party on the policy, repairs that can be done at the workshop's own facilities must be invoiced at net prices if the workshop is responsible for the damage. Repairs carried out at other workshops are compensated at the rate the repairer normally pays.	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.	Use of Gjensidige partner workshops is required to access the free loan car benefit and the 2-year warranty extension (to 3 years). Repairs must not commence without prior agreement with Gjensidige, except for minor repairs required to make the vehicle safe to drive. Windscreen chip repairs require use of Gjensidige's partner Dansk Bilglas.	If has the right to direct the customer to an If Partner Workshop (If Partnerværksted). Loan car and direct settlement are only available when an If Partner Workshop is used. The customer may choose an independent workshop, but the loan car benefit and direct billing are then not available. The repair must restore the vehicle to its pre-damage condition; If will pay the cost of such repair.
Territorial scope	The insurance covers Europe and countries outside Europe participating in the green card system. If another insurance exists for driving abroad, this policy covers only on a subsidiary basis.	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.	The policy covers Denmark and countries affiliated with the Green Card scheme (most of Europe). The rescue insurance abroad via SOS International (Red Card) applies when the vehicle has a maximum total weight of 3,500 kg and the journey is not for commercial goods transport. The E65 transit route between Malmö and Ystad, and up to 25 km south of the Danish-German border, has additional limitations.	Liability insurance covers Denmark and all Green Card countries. Kasko (own damage) and Delkasko coverage, including If Vejhjælp Europa, covers abroad only for holiday trips of up to 8 consecutive weeks. If additional insurance for driving abroad has been purchased, this policy covers to the extent the other policy does not.
Anti theft requirements	For theft coverage of unmounted accessories, spare parts and tools: items must be stored in a properly locked room and forcible entry must be demonstrable.	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.	Theft and robbery must be reported to the police immediately. The vehicle must be locked to be eligible for theft coverage; leaving the vehicle unlocked or with windows open voids theft cover.	No specific anti-theft device requirements are stated in the policy. However, theft and robbery must be reported to the police immediately. Dismounted equipment is only covered if stored in a securely locked premises. Theft of car keys is covered up to DKK 4,000 under the optional Friskade add-on.
Claim notification deadline	All claims must be reported to Alm. Brand as soon as possible (via almbrand.dk/anmeldskade or telephone 35 47 35 00). Theft, robbery and vandalism must additionally be reported to the police immediately. Alm. Brand must consent before any repair agreement is concluded, except where it would be illegal or unsafe to continue driving without minor repairs.	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.	Damage or claims covered by the insurance must be reported to Gjensidige immediately with as complete information and documentation as possible. Claims can be reported online at MinSide on gjensidige.dk or by calling 70 10 90 09. Repairs must not begin without prior agreement with Gjensidige.	Claims must be reported to If as soon as possible, either online at if.dk or by calling 70 12 12 12 (available 24/7). Theft, robbery, and vandalism must also be reported to the police immediately. Damaged or replaced items must not be discarded or repaired before If has approved it (temporary repairs are allowed to prevent serious consequences). The right to claim after policy expiry follows the standard limitation rules in the Danish Insurance Contracts Act.
Deductible rules	The deductible amount is stated in the policy and is index-regulated annually. No deductible is charged for: (i) fire, lightning, explosion, theft, robbery or serial vandalism claims (friskade); (ii) damage caused by a known liable third party; (iii) damage occurring while the vehicle is in the custody of a workshop insured on the policy. A special deductible of 20% of the loss applies if damage occurs while driving with a raised crane or tipper. Glass repair under Udvidet Glasforsikring carries no deductible; glass replacement carries DKK 1,581 (index 2019).	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.	The insurance includes a deductible chosen by the policyholder (many choose DKK 5,000). Only one deductible is charged per claim event, even if both liability and casco damage occur at the same event. No deductible on windscreen chip repairs (Kasko Udvidet/Premium). DKK 1,250 deductible on full windscreen replacement (Kasko Udvidet/Premium). No increased deductible for drivers under 25. Kasko Premium: DKK 0 deductible on liability claims. Optional 'Friskade' add-on removes the deductible on: fire, explosion, lightning, theft, robbery, falling objects, and animal collisions.	The policyholder freely chooses the deductible amount, including DKK 0. The chosen deductible is not automatically indexed. Only one deductible is charged when both liability and kasko damage occur in the same incident. If the policyholder drives more km per year than stated in the policy, an additional DKK 5,000 deductible is charged per claim. A double deductible applies from the 2nd claim if two or more chargeable claims occur within 12 months (does not apply at step 8 – 'elitebilist'). No deductible is charged for serial vandalism, psychological crisis assistance, or when the vehicle was in the possession of a new owner or workshop at the time of loss. Claims under the optional Friskade, Udvidet glasdækning, or Førerpladsdækning add-ons do not trigger doubled deductible.
Proof and next steps
Direct payment policy	Alm. Brand pays the repair workshop directly; for cash settlements the damaged vehicle is surrendered to Alm. Brand. VAT is settled separately for registered businesses.	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.	Gjensidige pays the repair workshop directly for covered claims; for roadside assistance abroad, SOS International is contacted directly. The policyholder pays the agreed deductible. Claims must be reported before repairs are started; minor repairs are permitted if it would be illegal or unsafe to continue driving.	If pays directly to the repair workshop at an If Partner Workshop. The customer pays only the chosen deductible, which If charges after repair. Compensation is paid via NemKonto for cash settlements.
Last verified	May 14, 2026	May 14, 2026	May 14, 2026	May 13, 2026