Pending review

Coop Forsikringer Casco (own-damage car insurance) (Coop Bilforsikring)

Underwritten by Coop Forsikringer fra Topdanmark · Denmark

casco (own-damage car insurance) from Coop Forsikringer for the Denmark market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2025-07Sources

Online purchase24/7 helpline

Unique selling points

Kasko, liability and driver-accident cover are bundled into every package as standard, unlike many competitors who sell driver-accident cover separately.

Roadside assistance comes with a one-hour response guarantee — if help doesn't arrive in time, a full year of roadside-assistance premium is refunded.

Annual mileage is self-reported once a year and the premium is automatically adjusted, so customers don't overpay for kilometres they haven't driven.

A fixed 6% loyalty discount applies every year from the second year onward, regardless of claims history.

Coop members earn monthly bonus points on their premium that can be spent in Coop supermarkets.

Coverage limits

Covered

Own damage (comprehensive/kasko)

Covered

Kasko cover pays for damage to the insured car itself, e.g. collision, fire, short-circuit, explosion or falling objects. Claims are cash-settled at the price a comparable used car of the same age and condition would cost; the exact deductible varies by chosen package (Standard/Plus/Super).

Source no longer reachableClause 3.1.1Page 17

Section: Personbil, vare- og lastvogne > 3. Kaskoforsikring personbil

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri. […] Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at forsikringsselskabet og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling, jf. nedennævnte afsnit om nyværdierstatning.

Covered

Total loss

Covered

If the car is declared a total loss, compensation is cash-settled at the price a comparable used car of the same age and condition would cost. If the car had driven no more than 5,000 km when the policy took effect, new-value compensation up to the documented purchase price applies instead (not for leased cars).

Source no longer reachableClause 3.3.3Page 18

Section: Personbil, vare- og lastvogne > 3. Kaskoforsikring personbil

Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at forsikringsselskabet og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling, jf. nedennævnte afsnit om nyværdierstatning. […] For biler registreret til privat personkørsel, herunder skolevogne, har forsikringstageren ret til en erstatning, der svarer til prisen for en tilsvarende fabriksny bil af samme fabrikat, type og årgang som den beskadigede, samt et tillæg for værdien af det fastmonterede tilbehør, bilen måtte være blevet forsynet med efter registreringen, hvis: skaden sker indenfor det første år efter bilens første registrering, den beskadigede bil var fabriksny, da forsikringen blev oprettet eller ændret, og reparationsomkostningerne overstiger 50 % af bilens nyværdi (inklusive leveringsomkostninger og fastmonteret tilbehør på skadetidspunktet). […] Nyværdierstatning i henhold til ovenstående kan ikke opnås for leasede biler.

Covered

Partial loss / repair costs

DKK 20K

Repair costs for partial damage are covered; spare parts are covered up to a maximum of DKK 20,000 per claim (not indexed), factory-fitted extra equipment is covered up to DKK 15,000 per claim (can be increased for an extra premium), and only one transport to a workshop per claim is covered.

Source no longer reachable
Covered

Theft and robbery

Covered

Theft and robbery of the car are covered. If the car is not found within four weeks of Coop and the police receiving the theft report, cash compensation is paid instead, calculated at the price a comparable car of the same age and condition would cost.

Source no longer reachableClause 3.1.1Page 17

Section: Personbil, vare- og lastvogne > 3. Kaskoforsikring personbil

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri. […] Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at forsikringsselskabet og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling, jf. nedennævnte afsnit om nyværdierstatning.

Conditional

Glass damage

Conditional

Glass damage (e.g. stone chips) is repaired without deductible automatically in the Plus and Super packages, and replacement of glass carries a special, lower deductible. Standard-package customers can add this cover as a paid optional extra ('udvidet glasskadeforsikring').

Source no longer reachable

Section: Standarddækning > Tilvalgsdækninger

Glasskader - hvis du får en skade på bilens ruder, glastag, lygteglas eller glasset i sidespejlene. Ved udskiftning af forrude og/eller glastag skal du dog selv betale en mindre selvrisiko .

Natural perils (storm/flood/weather)

No limit stated

No explicit statement of storm, flood or other weather-related peril cover was found in the reviewed official sources; only fire, lightning, explosion and falling objects are explicitly named as covered non-collision perils.

Source no longer reachable
Covered

Vandalism

Covered

Vandalism (hærværk) is a covered peril under kasko: even damage limited to the car's mechanical, electrical or electronic parts, which is normally excluded, remains covered if caused by vandalism, fire, lightning, explosion, theft or robbery. The Super package additionally removes the deductible for such damage via the 'Friskade' feature.

Source no longer reachableClause 3.2.1Page 17

Section: Personbil, vare- og lastvogne > 3. Kaskoforsikring personbil

Skade, der opstår i bilens mekaniske, elektriske og/eller elektroniske dele, medmindre sådan skade er overgået bilen ved brand, eksplosion, kortslutning, lynnedslag, tyveri, røveri, hærværk eller er sket under transport på eller ved hjælp af andet befordringsmiddel. Medfører skaden beskadigelse på andre dele af bilen, er skaden på disse dele dog dækket.

Optional

Roadside assistance

Optional

Optional roadside assistance covering jump-start, flat-tyre help and towing, valid throughout Europe, with a one-hour response guarantee — if help does not arrive within an hour, a full year's roadside-assistance premium is refunded.

Source no longer reachable
Covered

Replacement vehicle

Covered

If a comprehensive (kasko) claim is accepted, a daily cash allowance (DKK 340/day, 2024 level) is paid towards a replacement car while repairs are ongoing, for up to 28 days (not payable for glass-only claims, with up to 5 extra days for paintwork). Alternatively, a class-A rental car (no tow bar) can be hired from the insurer at a reduced daily rate (DKK 218/day, 2024 level) for an unlimited rental period, subject to a refundable deposit.

Source no longer reachable
Covered

Driver accident insurance

DKK 688K

Driver accident insurance is always included in every package. It pays up to DKK 688,000 (2024 level, reduced from age 68) for permanent invalidity, DKK 521,000 (2024) on death leaving a spouse, DKK 20,744/year (2024) per surviving child until age of majority, DKK 340/day (2024) during the repair period of a covered kasko claim, and up to DKK 26,914 (2024) towards funeral costs. Amounts are index-adjusted annually.

Source no longer reachable

Key conditions

Driver age and experience limit

Drivers under 24 face an increased minimum deductible (at least DKK 7,700) on liability or comprehensive claims; this surcharge is waived if the optional 'young driver' add-on is bought, which also lets resident children build their own no-claims seniority for up to four years.

Repair network requirements

You may freely choose your own repair workshop. For glass-only damage with no liable third party, you can go straight to a workshop without first reporting a claim, as the workshop notifies Coop automatically; other claims should ideally be reported before repair work starts.

Anti-theft requirements

For certain (typically higher-value) cars, Coop may require an approved anti-theft device (e.g. tracking/immobiliser) to be fitted and active at the time of theft as a condition for theft cover; the policyholder bears the burden of proving this requirement was met.

Claim notification deadline

Claims should generally be reported before the car goes to a workshop, or as soon as possible afterwards; theft, robbery and vandalism must also be reported to the police as quickly as possible.

Deductible rules

A standard deductible applies per kasko claim, with the level depending on the chosen package (Standard/Plus/Super). The Plus and Super packages include glass repairs without a deductible, and Super additionally removes the deductible for damage caused by fire, lightning, explosion, theft, robbery or vandalism ('Friskade'). A separate, higher minimum deductible of DKK 7,700 applies to drivers under 24 unless waived.

Direct payment

Claims are settled either by repair at a freely chosen workshop or by cash compensation calculated at the price a comparable used car of the same age and condition would cost; the policyholder pays the applicable deductible and any VAT.

Territorial scope

Base cover applies while driving in Denmark; roadside assistance under the comprehensive (kasko) cover is valid throughout Europe, and driving abroad in a privately used car or van extends the policy with a special rescue-insurance cover. Kasko customers involved in an accident abroad are additionally covered by the Red Card scheme, which includes free roadside help, towing and repatriation of the car.

Documents

Terms and Conditions for Coop Car Insurance 40001-2 (opens in a new tab)

Terms & conditions · PDF

EU Insurance Product Information Document – Car Insurance (opens in a new tab)

Product information sheet · PDF

Policy specifics

Parking damage

Optional coverage to waive deductible for parking-related damage to the vehicle

SourceSource no longer reachable

Section: Standarddækning > Tilvalgsdækninger

Dækker, hvis andre påkører din bil og ikke giver sig til kende. Vi dækker også selvrisikoen.

Driver accident insurance

Mandatory included supplementary insurance covering accidents involving the driver with economic benefits for lasting injuries and dental damage

SourceSource no longer reachable

Legal assistance

Legal aid coverage included with comprehensive insurance (casco) to cover legal costs in civil disputes

SourceSource no longer reachableClause 6.1.1Page 19

Section: Personbil, vare- og lastvogne > 6. Retshjælpsforsikring

Dækningen indgår, hvis forsikringen omfatter kaskoforsikring […] Omkostninger i forbindelse med visse civile retstvister, hvor sikrede er part i sin egenskab af ejer, fører eller bruger af den forsikrede bil. De fuldstændige vilkår for denne forsikring kan rekvireres hos forsikringsselskabet.

Spare parts limit

Spare parts coverage up to DKK 20,000 per claim under comprehensive insurance (casco)

SourceSource no longer reachable

Young driver deductible

Higher deductible of minimum DKK 7,700 applies to drivers under 24 years for liability and comprehensive damage claims

SourceSource no longer reachable

Cash settlement

Claims are settled by cash payment calculated at market value for used vehicles of same age and condition; theft claims paid in cash if vehicle not found within 4 weeks

SourceSource no longer reachableClause 3.3.3Page 18

Section: Personbil, vare- og lastvogne > 3. Kaskoforsikring personbil

Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at forsikringsselskabet og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling, jf. nedennævnte afsnit om nyværdierstatning.

Annual mileage adjustment

Policy allows annual review of mileage with automatic premium adjustment; customer reports odometer reading once per year on policy anniversary

SourceSource no longer reachable

Bonus cashback system

Members earn monthly bonus points redeemable in Coop supermarkets; 6% fixed annual discount maintained regardless of claims history starting from year 2

SourceSource no longer reachable

Electronic communication only

All policy documents, invoices, and correspondence are delivered electronically via 'Min Side' customer portal; no physical mail

SourceSource no longer reachable

Repair network

For glass-only damage without at-fault party, customer can directly contact workshop without prior claim notification; insurer is automatically notified by workshop

SourceSource no longer reachable

Index regulation

Premium and deductible amounts are index-regulated annually at first invoice date each calendar year

SourceSource no longer reachableClause 14.1Page 9

Section: Motorkøretøjsforsikring - Generelle vilkår > 14. Indeksregulering

Præmier, forsikringssummer, selvrisici og andre beløb, der er nævnt i disse forsikringsvilkår, i policen eller i tilhørende policetillæg, bliver indeksreguleret, hvis der i umiddelbar tilknytning til beløbet, i parentes, er nævnt et indeksåret. […] Indeksreguleringen sker en gang om året medvirkning fra forsikringens hovedforfaldsdato.

Annual underwriting review

Insurer conducts annual review of all customer relationships to assess if changes needed to insurance portfolio; can result in price or deductible adjustments

SourceSource no longer reachable

Sources

Coop Forsikringer Casco (own-damage car insurance)

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