Federation of Danish Motorists (FDM)
FDM Forsikringer
FDM Forsikringer is a motor casco insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Claims are settled either by repair at a repairer designated or approved by Tryg (repairs must be agreed before starting, except emergency towing/repair), by cash compensation (kontanterstatning) when repair is uneconomical, the car is a total loss or not found after theft within 28 days, or by replacement in kind (genlevering) for damaged accessories and equipment.
Geographic scope
Denmark and all countries covered by the Green Card scheme; European roadside assistance under Kasko/Delkasko extends across Europe
Liability and Kasko/Delkasko apply in Denmark and all Green Card countries (§3). Domestic FDM Vejhjælp only covers Denmark, transit route E65 between Malmö and Ystad, and up to 25 km south of the Danish-German border, and not the Faroe Islands or Greenland (§5.1). Stilstandsforsikring covers Denmark and Greenland but not the Faroe Islands (§6).
Unique selling points
- FDM Bilforsikring has been recommended by the Danish Consumer Council (Forbrugerrådet Tænk) as of 2024.
- The Basis package already bundles Kasko with Førerdækning (driver injury cover), which many competitors sell as a separate add-on.
- Only a single deductible is charged when a liability claim and an own-damage claim arise from the same incident.
- Super tier adds a new-value guarantee (Værdigaranti) with 15% extra payout on theft or total loss plus a 14-day replacement car, and no-deductible parking damage cover.
- FDM Vejhjælp roadside assistance operates 24/7 across Denmark and Europe with typical response times under 40 minutes.
Coverage limits
Own damage (Kasko)
Covered
No limit stated
Kasko covers any damage to the insured car (§4.4), included from the Basis tier upward. No fixed sum is stated in the T&C; compensation follows the car's cash value or repair cost rules in §9.
Total loss
Covered
No limit stated
Cash compensation is paid if repair costs exceed the threshold set by authorities for a total loss, or if the car is not recovered within 28 days of a reported theft (§9.5). New-value compensation (nyværdierstatning) applies conditionally if the car was factory-new, damage occurs within the first year, and repair costs exceed 50% of new value (§9.6). The optional Super-tier Værdigaranti extends new-value cover to 2 years and adds 15% extra compensation (max 30,000 DKK) on theft/total loss, plus a 14-day replacement car.
Partial damage / repair
Covered
No limit stated
The car is repaired to its pre-damage condition; Tryg reserves the right to designate the repairer and parts supplier and repair must be pre-approved except in emergencies (§9.3). No fixed sum stated; excludes betterment, cosmetic mismatches and wear-related upgrades.
Theft and robbery
Covered
No limit stated
Delkasko and Kasko cover total theft/robbery of the car and damage found after theft (§4.3, §4.4). Stolen number plates are replaced without deductible if properly fastened and reported to police (§4.4, §8). No fixed sum stated in the T&C.
Glass damage
Covered
No limit stated
Glass repair/replacement is covered as part of Kasko's 'any damage' cover from Basis level, subject to the chosen deductible. The Glas benefit, bundled from Udvidet tier upward, waives the deductible for stone-chip repair, glass replacement and mirror repair/replacement, except for a special fixed deductible on windscreen replacement (§5.5).
Fire, lightning and weather damage
Covered
No limit stated
Fire, explosion and direct lightning strike are covered (§4.5, §6). Gradual weather effects such as corrosion, rust and frost damage are explicitly excluded (§4.5), as are earthquakes, cyclones, volcanic eruptions and other natural catastrophes (§11 Generelle undtagelser).
Vandalism
Covered
No limit stated
Vandalism (hærværk) is covered under Kasko/Delkasko's 'any damage' scope and explicitly listed under Stilstandsforsikring (§6). The Nulselvrisiko benefit, bundled from Udvidet tier upward, waives the deductible for vandalism when the perpetrator is unknown (§5.4).
Roadside assistance
Covered
No limit stated
'Vejhjælp i Europa' is automatically included with Delkasko or Kasko for breakdown/accident assistance abroad (§4.5). Domestic 'FDM Vejhjælp' (starthelp, towing, lockout, fuel delivery, etc.) is a separately purchasable tilvalg (§5.1), confirmed to run 24/7 across Denmark and Europe, typically arriving within about 40 minutes.
Replacement / holiday vehicle
Covered
No limit stated
Ferie lånebil is part of Kasko itself, not a paid tilvalg (§4.4.1): a similar-sized replacement car for up to 35 days / 5,000 km abroad or 3,000 km in Denmark, if the car suffers a Kasko-covered claim, breakdown or theft less than 35 days before, or during, a qualifying holiday (min. 3 consecutive nights in Denmark). Separately, workshops provide a loaner during repairs (§9.3), and the optional Super-tier Værdigaranti provides a loaner for up to 14 days after total loss/theft compensation.
Driver personal injury (Førerdækning)
Optional
No limit stated
Førerdækning (§4.2) can be bought alongside Ansvar, Delkasko or Kasko and covers personal injury to the driver in a driving accident regardless of fault (permanent injury, medical costs, loss of earning capacity, lost income, dependents' loss, funeral aid), compensated under the Danish Liability for Damages Act with no fixed sum in the T&C. It is bundled by default into the Basis package per FDM's marketing.
Key conditions
Driver age and experience limit
No general age-based premium loading is stated in the T&C. The only stated age condition is for the Ferie lånebil: the driver of the loaner must be over 21 and have held a valid licence for more than six months (§4.4.1).
Repair network requirements
For towing under FDM Vejhjælp you can freely choose the destination workshop in Denmark. For repair claims under Kasko/Delkasko, work must be agreed with Tryg before starting (except emergency towing/repair), and Tryg reserves the right to designate the repairer and parts supplier (§9.3).
Territorial scope
Ansvar and Kasko/Delkasko apply in Denmark and all Green Card countries (§3). Vejhjælp i Europa (included with Kasko/Delkasko) covers breakdown/accident assistance abroad (§4.5). Domestic FDM Vejhjælp is limited to Denmark, the E65 transit route Malmö-Ystad and up to 25 km south of the German border (§5.1). Stilstandsforsikring applies in Denmark and Greenland, not the Faroe Islands (§6).
Anti-theft requirements
The key must always be kept with you, even briefly, and doors, windows and sunroof must be locked; valuables and mobile electronics (e.g. GPS) must be removed from the cabin or locked in the glovebox (§1). If a key is lost or stolen, the lock must be changed as soon as possible; until then the car must be secured otherwise (§1). Dismounted, non-fixed accessories must be stored in a properly locked room with evidence of forced entry to be covered against theft (§4.5). Trailers must be secured with a trailer lock when left unattended (§5.8).
Claim notification deadline
Every claim must be reported immediately ('straks') to the insurer, and theft, attempted theft, robbery or vandalism must also be reported immediately to the police (§9.1). No agreement on liability/compensation may be made, and no repair may start, before the insurer has approved it.
Deductible rules
If liability and Kasko damage arise from the same event, only one deductible is charged (§8). No deductible applies to pure liability-only claims, to theft/vandalism by a known culprit, or to documented number-plate theft/replacement. A special fixed deductible applies to windscreen replacement (Glas add-on, §5.5), and Afleveringsdækning applies a single fixed deductible regardless of the number of claims (§8). A special deductible applies to Retshjælp (legal assistance) claims. The minimum selectable deductible is 1,000 DKK; a higher deductible generally lowers the premium.
Where to buy
Policy specifics
Legal assistance coverage
Included in comprehensive (kasko) insurance, provides legal assistance for private disputes
SourceElectric vehicle charging equipment coverage
Automatic coverage for electric vehicle charging cables, adapters, charging stations and battery damage
SourceLeasing delivery damage coverage
Automatic inclusion for comprehensive insurance on leased vehicles; covers minor damage at return
SourceHoliday vehicle replacement
Provides rental vehicle if comprehensive damage, breakdown or theft occurs within 35 days before scheduled vacation
SourceDriver personal injury coverage
Covers personal injury to the vehicle driver in single-vehicle accidents regardless of cause
SourceNo-claims deductible exemption
Optional coverage where no deductible is paid for claims not caused by the policyholder's fault
SourceNo age-based deductible surcharge
FDM does not apply additional deductibles for drivers under 25 years old
SourceSingle deductible for multiple claim types
When both liability and comprehensive damage occur in the same incident, only one deductible is charged
SourceEuropean roadside assistance
Available as optional add-on; covers breakdown and accident assistance outside Denmark in Europe
SourceFDM membership requirement
FDM Car Insurance requires active FDM membership to purchase and maintain
Source