Extracted from source documents

Djøf Forsikring Casco (own-damage car insurance) (Bilforsikring Kasko)

Underwritten by Købstædernes Forsikring, Gensidig · Denmark

casco (own-damage car insurance) from Djøf Forsikring for the Denmark market, with online purchase.

Last verified Sep 1, 2026Sources

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Key facts

Djøf Forsikring

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

Covered

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).

Source no longer reachablePage 1

Section: Hvad dækker den? > Tilvalgsdækninger > Kaskoforsikring

Forsikringen dækker, hvis der sker en skade på din bil – inkl. fastmonteret ekstra udstyr – som følge af fx et færdselsuheld, brand, storm, tyveri eller hærværk.

Covered

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.

Source no longer reachable

Section: Kan det betale sig at købe en kaskoforsikring til en ældre bil?

Du skal holde bilens værdi og forsikringens pris op mod hinanden – men du skal også se på, om du har råd til selv at erstatte bilen, hvis den bliver stjålet eller totalskadet.

Covered

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.

Source no longer reachablePage 1

Section: Hvad dækker den? > Tilvalgsdækninger > Kaskoforsikring

Forsikringen dækker, hvis der sker en skade på din bil – inkl. fastmonteret ekstra udstyr – som følge af fx et færdselsuheld, brand, storm, tyveri eller hærværk.

Covered

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.

Source no longer reachablePage 1

Section: Hvad dækker den? > Tilvalgsdækninger > Udvidet bildækning

Du skal ikke betale selvrisiko i forbindelse med bestemte typer af skader som fx tyveri, glasskader, brand og nedstyrtende genstande.

Covered

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.

Source no longer reachablePage 1

Section: Er der nogen begrænsninger af dækningen?

Udvidet bildækning - ved udskiftning af frontrude, skal du betale en selvrisiko på 1.783 kr. (2022)

Covered

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.

Source no longer reachablePage 1

Section: Er der nogen begrænsninger af dækningen?

Forsikringen dækker ikke skader, der opstår i eller under kap- og væddeløbskørsel, naturforstyrrelser, atomenergi og krig.

Covered

Vandalism

Covered

Damage caused by vandalism (hærværk) to the vehicle is covered under kasko.

Source no longer reachablePage 1

Section: Hvad dækker den? > Tilvalgsdækninger > Kaskoforsikring

Forsikringen dækker, hvis der sker en skade på din bil – inkl. fastmonteret ekstra udstyr – som følge af fx et færdselsuheld, brand, storm, tyveri eller hærværk.

Optional

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.

Source no longer reachablePage 1

Section: Er der nogen begrænsninger af dækningen?

Vejhjælp dækker maksimalt 3 assistancer om året i perioden 1. august – 31. juli.

Optional

Replacement vehicle

Optional

Rental of a replacement vehicle is included as part of the optional Udvidet bildækning add-on, alongside depreciation (værditab) cover.

Source no longer reachablePage 1

Section: Hvad dækker den? > Tilvalgsdækninger > Udvidet bildækning

Leje af erstatningsbil og værditabsdækning er også en del af dækningen.

Optional

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.

Source no longer reachablePage 1

Section: Hvad dækker den? > Tilvalgsdækninger > Førerpladsdækning

Føreren af bilen er omfattet af denne forsikring, hvis føreren kommer til skade ved et færdselsuheld eller ved ind- og udstigning af bilen, når det ikke er muligt at få erstatning fra en ansvarlig skadevolder.

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.

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).

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.

Territorial scope

The policy covers Europe and countries outside Europe that are part of the Green Card scheme.

Documents

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

Product information sheet · PDF