Djøf Forsikring (insurance brand distributed by Djøf and underwritten by Købstædernes Forsikring, Gensidig)
Djøf Forsikring
Djøf Forsikring is a motor casco insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
For glass damage, the customer does not need to file a formal claim; they contact an approved repair partner (Dansk Bilglas or Carglas) directly and the insurer settles with the workshop.
Geographic scope
Europe and Green Card scheme countries
The policy covers Europe and countries outside Europe that are part of the Green Card scheme.
Unique selling points
- No increased deductible when household members under 26 borrow the family car, while young drivers still accrue no-claims seniority for their own future policy.
- Price automatically decreases every claim-free year until the cheapest price tier is reached, typically making customers 'elitebilist' after 5 years.
- 17-year-old drivers are covered under the policy as long as road-traffic rules are followed.
- Windscreen and glass repairs are covered at full cost with no deductible, as long as the glass can be repaired rather than replaced.
- Policyholders involved in a serious car accident receive psychological crisis counselling support.
Coverage limits
Own damage coverage (Casco)
Covered
Kasko covers damage to the insured vehicle including collision, fire, storm, theft and vandalism, plus permanently fitted extra equipment; non-factory-fitted equipment (e.g. sound systems) is capped at DKK 28,009 (2022 level).
Total loss
Covered
Kasko provides compensation if the vehicle is stolen or totally damaged (totalskadet); no fixed monetary limit is stated, and customers are advised to weigh the vehicle's value against the cost of replacing it themselves if uninsured.
Partial damage / repair costs
Covered
Kasko covers repair costs for damage to the car from events such as traffic accidents, fire, storm, theft or vandalism.
Theft and robbery
Covered
Theft of the vehicle is covered under kasko; if the optional Udvidet bildækning (Friskadeforsikring) add-on is chosen, no deductible applies to theft claims. Theft must be reported to the police, and the car is deregistered if not found within 4 weeks.
Glass damage
Covered
Windscreen/glass repairs are covered with no deductible if the glass can be repaired; if full replacement is needed, the policy's standard deductible applies, reduced under the optional Udvidet bildækning to DKK 1,783 (2022 level) for windscreen replacement.
Natural perils (storm etc.)
Covered
Storm damage is explicitly covered under kasko, but broader 'naturforstyrrelser' (natural catastrophes) are excluded under the policy's general limitations.
Vandalism
Covered
Damage caused by vandalism (hærværk) to the vehicle is covered under kasko.
Roadside assistance
Optional
International roadside assistance and vehicle repatriation costs abroad are included as part of kasko via SOS International and the Red Card scheme. Domestic roadside assistance (towing, on-site help) is a separate optional add-on ('Vejhjælp'), limited to a maximum of 3 assistances per year in the period 1 August-31 July, and does not cover failures caused by lack of maintenance.
Replacement vehicle
Optional
Rental of a replacement vehicle is included as part of the optional Udvidet bildækning add-on, alongside depreciation (værditab) cover.
Driver accident cover
Optional
Førerpladsdækning is an optional add-on covering the driver if injured in a traffic accident or while entering/exiting the vehicle, when compensation cannot be obtained from a liable third party; it excludes cases of gross negligence, alcohol/drug influence, or when compensation can be obtained from a liable third party.
Key conditions
Driver age and experience limit
The policy covers 17-year-old drivers as long as the law is complied with; since 1 July 2025, 17-18 year-olds may drive unaccompanied between 05:00-20:00. There is no increased deductible when household members under 26 borrow the car.
Repair network requirements
There is no fixed approved repair network requirement for general damage, but glass damage is directed to partners such as Dansk Bilglas and Carglas without needing to file a formal claim first.
Territorial scope
The policy covers Europe and countries outside Europe that are part of the Green Card scheme.
Anti-theft requirements
Not specified in the reviewed sources.
Claim notification deadline
Claims must be reported as soon as possible, and losses must be limited; theft, robbery, assault and vandalism must additionally be reported to the police. If a stolen car is not found within 4 weeks, it is deregistered.
Deductible rules
The insured selects a deductible level for kasko/liability cover. Glass repairs generally carry no deductible, but full windscreen replacement carries the standard policy deductible, reduced to DKK 1,783 (2022 level) under the optional Udvidet bildækning. Non-factory extra equipment is capped at DKK 28,009 (2022 level).
Where to buy
Documents
Car Insurance IPID (Insurance Product Information Document)
IPID
Policy specifics
Casco (Comprehensive) coverage
Optional comprehensive coverage for vehicle damage including collision, theft, fire, and vandalism
SourceSource no longer reachableLiability insurance
Mandatory legal liability insurance covering damage caused to third parties and their property
SourceSource no longer reachableGlass damage coverage
Coverage for windscreen and glass damage with special handling procedures
SourceSource no longer reachableRoadside assistance abroad
Optional coverage for assistance and transport costs if involved in an accident abroad
SourceSource no longer reachableTheft reporting requirement
Stolen vehicle claims require police report within 4 weeks for casco coverage
SourceSource no longer reachableDeductible/Self-risk selection
Insured must select appropriate deductible level for casco and liability coverage
SourceSource no longer reachableAnnual mileage declaration
Insured must declare expected annual mileage for premium calculation
SourceSource no longer reachableCoverage for borrowed vehicles / Lending vehicle to others
Policy covers authorized borrowers and allows lending vehicle to others
SourceSource no longer reachableElectric and hybrid vehicle coverage
Extended casco coverage for EV batteries, charging cables and related damage
SourceRepair workshop network
Insured may use approved repair network or other workshops; insurer approves repairs
SourceSource no longer reachableAge restrictions for authorized drivers
Coverage extends to 17-year-old drivers under legal conditions; special rules apply
SourceSource no longer reachableSources
- https://www.djoefforsikring.dk/beregn-pris/bil/Source no longer reachable
- https://www.djoefforsikring.dk/forsikringer/bilforsikring/Source no longer reachable
- https://www.djoefforsikring.dk/forsikringer/bilforsikring/ansvarsforsikring/Source no longer reachable
- https://www.djoefforsikring.dk/forsikringer/bilforsikring/elbilforsikring/
- https://www.djoefforsikring.dk/forsikringer/bilforsikring/kaskoforsikring/Source no longer reachable
- https://www.djoefforsikring.dk/service/sporgsmal-til-forsikringer/sporgsmal-om-bilforsikring/Source no longer reachable