Extracted from source documents

easySure Casco (own-damage car insurance) (Casco Standard)

Underwritten by Eir Försäkring AB · Denmark

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

Verified Sep 1, 2026 · Terms dated 2026Sources

Online purchase24/7 helpline

Unique selling points

Fully modular car insurance letting you combine mandatory liability, kasko cover and a wide range of optional add-ons (glass, roadside assistance, driver injury, EV cables/battery) to match exactly what you need.

Kasko is marketed as broad all-risk protection for your own car, covering accidents, theft, vandalism, fire and more.

No hidden fees or complicated terms — easySure positions itself on price transparency.

Fully digital, quick purchase flow: calculate your price and buy your car insurance entirely online.

Coverage limits

Covered

Own damage (comprehensive)

Covered

Kasko covers virtually any damage to the insured vehicle as an all-risk product, subject to specific general exclusions (e.g. mechanical/electronic parts failure not caused by fire/theft/vandalism, wear and tear, unlawful use of the car).

Page 18

Section: 3. Kaskoforsikring

Forsikringen dækker i princippet alt, hvorfor det også bliver kaldt en 'all-risk forsikring'.

Covered

Total loss settlement

Covered

If repair costs exceed thresholds set by authorities, or a stolen car is not found within four weeks of reporting, easySure pays a cash settlement equal to the price of a comparable car of the same age and condition; new-value compensation applies to cars under one year old under specific conditions.

Clause 1.8Page 12

Section: 1.8 Sådan erstattes din skade

Bilen efter et tyveri ikke er fundet fire uger efter anmeldelse til politiet og skriftlig anmeldelse til os.

Covered

Partial damage repair

Covered

For partial damage, the car is repaired to its pre-accident condition; the insurer may direct the repairer and parts supplier, and a discretionary cash settlement may apply if spare parts cannot be sourced or delivered within six months.

Clause 1.8Page 12

Section: 1.8 Sådan erstattes din skade

Ved delvise skader (altså hvor bilen ikke er totalskadet) kan der betales en skønsmæssig kontanterstatning i tilfælde af, at der ikke kan fremskaffes reservedele eller hvis reservedelene ikke kan leveres inden for seks måneder.

Covered

Theft and robbery

Covered

Kasko covers theft and robbery of the vehicle, plus theft of one or both number plates without a deductible, provided the plates were properly fastened and the theft is reported to the police.

Page 19

Section: 3. Kaskoforsikring > Hvad er dækket?

Tyveri af en eller begge nummerplader uden opkrævning af selvrisiko. Det er en forudsætning, at nummerpladerne var fastgjorte efter myndighedernes krav, og at du har anmeldt tyveriet til politiet.

Covered

Glass damage

Covered

Glass damage (windows, headlight glass, mirror glass) is covered under kasko as part of 'any damage to the car'; the optional 'Udvidet glas' add-on removes the deductible for repairs and reduces it to 1,500 DKK for replacements.

Page 27

Section: 5. Udvidet glas

Hvis din rude kan repareres, vil vi ikke opkræve dig selvrisiko. Hvis din rude skal udskiftes, vil du blive opkrævet en selvrisiko på 1.500 kr.

Covered

Natural perils / weather damage

Covered

As an all-risk product, kasko covers sudden weather-related events such as storm damage and falling objects, and explicitly covers fire, lightning and explosion; however, catastrophic flood from the sea/lake/watercourse, earthquake, cyclones and volcanic eruptions are excluded under the general terms, as is gradual weather deterioration such as frost cracking or corrosion.

Page 5

Section: Vi dækker generelt ikke

Skade på dine ting, der sker efter oversvømmelse fra fjord, hav, sø, vandløb eller å, jordskælv, cykloner, vulkanudbrud eller andre lignende naturkatastrofer.

Covered

Vandalism

Covered

Vandalism to the insured car is covered under kasko with the chosen deductible; if only your car is affected ('hærværk der KUN sker på din bil'), the optional P-skade add-on removes the deductible entirely.

Page 33

Section: 7.4 Øvrige skader

Hærværk der KUN sker på din bil er dækket via din kaskoforsikring med den valgte selvrisiko, eller uden selvrisiko, hvis du har tilvalgt P-skadedækningen.

Optional · Redning i udlandet, Vejhjælp i Danmark

Roadside assistance

Optional

International rescue assistance abroad (Red Card scheme: towing, hotel, return transport, rental car, vehicle repatriation, spare parts) is automatically included for anyone with kasko cover; domestic Danish roadside assistance (start help, towing, wheel change, fuel delivery, lockout, glass covering) must be purchased as a separate optional add-on, subject to a 7-day waiting period if added after the policy starts.

Clause 3.2Page 22

Section: 3.2 Redning i udlandet

Rødt Kort-ordningen giver dig ret til hjælp ved motorstop og havari, hvis dit køretøj vejer under 3.500 kg.

Conditional

Replacement/rental vehicle

Conditional

A rental car is provided as part of the international rescue assistance (Red Card) when kasko cover applies and the vehicle breaks down or is stolen abroad; no general replacement-vehicle benefit is provided for domestic claims.

Page 23

Section: 3.2 Redning i udlandet > Hvad er dækket?

Udlejningsbil.

Optional · Førerplads

Driver personal injury (Førerplads)

Optional

Optional add-on compensating the driver for personal injury (lost income, pain and suffering, permanent injury, loss of earning capacity, treatment costs, funeral aid, loss of provider, dental injury) when no liable third party, liability insurer or occupational injury insurance can cover the loss.

Page 37

Section: 9. Førerplads

Når føreren ikke kan opnå erstatning fra en ansvarlig skadevolder, en ansvarsforsikring eller en lovpligtig arbejdsskadeforsikring.

Key conditions

Driver age and experience limit

Drivers under 26 incur an additional 5,000 DKK deductible on top of the chosen deductible when involved in a claim, unless the optional 'Plusdækning' add-on has been selected to waive this surcharge.

Repair network requirements

The insured may choose which nearby workshop the car is towed to after damage, but the insurer retains the right to direct the repairer and the supplier of spare parts; repairs must not begin without easySure's or its assessor's approval.

Anti-theft requirements

Theft cover requires the car to have a factory-fitted immobiliser, or one securing at least three engine systems, activated at the time of theft with the key not left in the car; cars valued over 800,000 DKK (new or used) must also have an F&P-approved GPS tracking system installed and active within 14 days of policy inception.

Claim notification deadline

Claims must be reported as soon as possible; theft and vandalism must be reported to the police immediately, and for incidents abroad a written police confirmation must accompany the claim, failing which compensation may be affected.

Deductible rules

The policyholder chooses the deductible level; it applies only once even for combined liability-and-kasko claims, is not charged in specific cases (e.g. certain personal-injury claims, insolvent at-fault third parties, roadside-assistance-only claims covered by that add-on), and if easySure advances the deductible it may reclaim it, with a right to cancel kasko if unpaid within 14 days.

Direct payment

easySure covers necessary transport of the car after a claim and pays for authorized repairs directly, and may advance the deductible on the customer's behalf before reclaiming it if unpaid.

Territorial scope

Liability cover applies in Denmark and countries under the Green Card scheme; kasko-insured vehicles under 3,500 kg are additionally covered by the Red Card rescue scheme abroad.

Documents

Car Insurance IPID (opens in a new tab)

Product information sheet · PDF

Car Insurance Terms and Conditions (BIL2026-1) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions (GEN2023-1) (opens in a new tab)

Terms & conditions · PDF

Car insurance product page (opens in a new tab)

Other document · PDF

Policy specifics

Comprehensive damage (kasko)

Covers any damage to the insured vehicle, including theft, robbery, vandalism, fire and accidents, subject to the exclusions in the terms (natural catastrophes such as flood from sea/lakes and earthquakes are excluded)

SourcePage 1

Section: Hvad dækker den? > Kaskoforsikring

Enhver skade på bilen. Tyveri og røveri.

Third-party liability (ansvarsforsikring)

Mandatory legal coverage for damage caused to third parties, their property or vehicles

SourcePage 1

Section: Hvad dækker den? > Ansvarsforsikring

Ansvar for skade forvoldt ved brug af køretøjet med de i færdselsloven til enhver tid gældende summer.

Driver personal injury coverage (førerpladsdækning)

Optional coverage protecting the driver against personal injury from accidents, including lost income compensation

Source

Section: Oversigt over dækninger på forsikringen til din bil > Førerpladsdækning

Forsikringen dækker føreren, hvis uheldet er ude, og føreren ikke kan få erstatning andet sted fra. Føreren får bl.a. hjælp ved fx tabt arbejdsfortjeneste og skader, så føreren slipper for at tage både slaget og regningen.

Plus coverage package (plusdækning)

Optional add-on bundle covering wrong fuel fill-up, carwash damage, animal collision, and reduced deductible for young drivers

Source

Section: Oversigt over dækninger på forsikringen til din bil > Plusdækning

Med plusdækning til din bilforsikring kan du tage det helt roligt, selv når bilen bliver lånt ud til en under 25. Forsikringen dækker den ekstra selvrisiko, så du kan sige ja med et smil.

Electric vehicle battery coverage

Optional coverage for electric vehicle batteries up to 40,000 DKK

SourcePage 25

Section: 4. Elbil: Kabler og batteri > Sådan erstattes batteriet

Forsikringen dækker op til 40.000 kr. (beløbet indeksreguleres ikke), hvis skaden sker inden for garantiperioden.

Extra equipment coverage

Coverage for non-standard vehicle equipment up to 50,000 DKK (not indexed)

SourcePage 19

Section: 3. Kaskoforsikring > Hvad er omfattet af forsikringen

Forsikringen dækker ekstra udstyr op til 50.000 kr. (beløbet indekseres ikke).

Legal aid (retshjælp)

Automatic legal assistance coverage for traffic disputes and claims

SourceClause 3.3Page 23

Section: 3.3 Retshjælp

Du er automatisk omfattet af denne dækning, hvis du har tilvalgt kaskodækning.

Free workshop selection

Policyholder may choose any repair workshop; insurer pays for approved repairs and seeks reimbursement if third party liable

Source

Section: Skader og uheld på din bilforsikring > Skal jeg bruge et bestemt værksted, når jeg får en skade?

Nej, hos easySure bestemmer du helt selv, hvilket værksted der skal tage sig kærligt af din bil. Du har altså frit valg på alle hylder, når det kommer til, hvor skaden skal udbedres.

No hidden fees

Explicitly stated no setup fees, cancellation fees, or payment processing fees; premium cost transparent upfront

Source

Section: Fordele ved en billig bilforsikring gennem easySure

Hos easySure er der ingen skjulte gebyrer, der dukker op ud af det blå som et stenslag i din økonomi. Du betaler kun for forsikringen til din bil – hverken betalingsgebyrer, oprettelsesgebyrer eller opsigelsesgebyrer er en del af vores menu.

Vehicle inspection right

Insurer retains right to inspect vehicle while policy is active; non-compliance may result in policy cancellation

SourceClause 1.2Page 8

Section: 1.2 Besigtigelse

Hvis vi ikke kan få adgang til at besigtige dit køretøj, kan vi vælge at opsige forsikringen.

Claim notice timing

Claims must be reported to insurer as soon as possible; theft and vandalism must be reported to police immediately with police confirmation required

SourceClause 1.6Page 11

Section: 1.6 I tilfælde af skade

Tyveri og hærværk skal straks anmeldes til politiet. Er skaden sket i udlandet, skal skriftlig bekræftelse fra det lokale politi vedlægges skadeanmeldelsen.

Damage repair authorization

Policyholder must not undertake repairs or remove damaged items before insurer approval; exception for emergency towing/repair when vehicle unsafe

SourceClause 1.6Page 11

Section: 1.6 I tilfælde af skade

Du må ikke udbedre skaden og/eller fjerne beskadigede genstande, før du har talt med os.

Claims contact response window

After claim registration, insurer must contact policyholder within two working days via phone or email with next steps information

Source

Annual wage index adjustment

Premium and certain coverage limits automatically adjust annually based on wage index set by Statistics Denmark (Danmarks Statistik)

Source

Automatic policy renewal

Policy automatically renews annually unless explicitly cancelled by policyholder or insurer

Source

Section: Generel information om bilforsikring > Hvad er er din bilforsikrings hovedforfald?

Hos easySure gælder din bilforsikring som udgangspunkt i ét år ad gangen. Og medmindre du eller vi opsiger den, forlænger vi den automatisk for et nyt år.

Rectification period for policy defects

Policyholder may correct false or incomplete information within specified deadline; failure to correct within set period may void coverage

Source

Sources

easySure Casco (own-damage car insurance)

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