Extracted from source documents

FDM Forsikringer Casco (own-damage car insurance) (Fdm Bilforsikring)

Underwritten by Tryg Forsikring A/S · Denmark

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

Verified Sep 1, 2026 · Terms dated 2025-11Sources

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Key facts

FDM Forsikringer

Unique selling points

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

Covered

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.

Clause 4.4Page 5/21

Section: 4. Hvilke skader er dækket > 4.4 Kaskoforsikring

Forsikringen dækker enhver skade på den forsikrede bil samt ved tyveri og røveri, bortset fra de nævnte undtagelser i afsnit 4.5

Covered

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.

Clause 9.5Page 14/21

Section: 9. Erstatning og krav til dokumentation > 9.5 Kontanterstatning

Kontanterstatning udbetales, hvis skaden er så stor, at reparationsudgiften vil medføre, at der skal tilbydes eller ydes kontanterstatning efter de regler, myndighederne har fastsat bilen, efter tyveri, ikke er fundet inden 28 dage efter anmeldelse til politiet og til os

Covered

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.

Clause 9.3Page 14/21

Section: 9. Erstatning og krav til dokumentation > 9.3 Reparation

Hvis vi vælger at lade bilen reparere, sættes den i samme stand som før skaden.

Covered

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.

Clause 4.3Page 5/21

Section: 4. Hvilke skader er dækket > 4.3 Delkaskoforsikring

Delkaskoforsikringen dækker, hvis bilen totalskades, ved tyveri og røveri af hele bilen samt hvis bilen findes med skade efter tyveri, bortset fra de nævnte undtagelser i afsnit 4.5.

Covered

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).

Clause 5.5Page 10/21

Section: 5. Tilvalg > 5.5 Glas

Ved udskiftning af bilens forrude, gælder der en fast selvrisiko. Selvrisikobeløbet fremgår af forsikringsaftalen.

Covered

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).

Page 12/21

Section: 6. Stilstandsforsikring

Brand, eksplosion og direkte lynnedslag.

Covered

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).

Clause 5.4Page 10/21

Section: 5. Tilvalg > 5.4 Nulselvrisiko

Tyveri og røveri, hvor skadevolder er ukendt.

Covered

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.

Clause 5.1Page 8/21

Section: 5. Tilvalg > 5.1 FDM Vejhjælp

FDM Vejhjælp yder assistance på nedbrudstedet fx starthjælp, reparationer, fritrækning, hjulskift, nødlapning ved punktering, brændstofudbringning og oplukning af bildør.

Covered

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.

Clause 4.4.1Page 5/21

Section: 4. Hvilke skader er dækket > 4.4 Kaskoforsikring > 4.4.1 Ferie lånebil

En ferie lånebil af tilsvarende størrelse som din egen bil, hvis din egen bil får en kaskoskade, et nedbrud eller bliver stjålet mindre end 35 dage før en planlagt ferie til udlandet

Optional

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.

Clause 4.2Page 5/21

Section: 4. Hvilke skader er dækket > 4.2 Førerdækning

Forsikringen dækker følgerne efter en personskade på bilens fører, når den direkte skyldes et kørselsuheld med den forsikrede bil.

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).

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.

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.

Territorial scope

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).

Documents

Terms and Conditions - Personbil privat (no. 25M9) (opens in a new tab)

Terms & conditions · PDF

Earlier terms and conditions edition (97A1) (opens in a new tab)

Policy specifics

Legal assistance coverage

Included in comprehensive (kasko) insurance, provides legal assistance for private disputes

Source

Section: Grunddækning > Kasko

Kasko dækker dig også med retshjælp ved visse private tvister.

Rental car provision

Free rental car during repairs; separate provision for leased vehicles

Source

Section: Derfor skal du vælge en bilforsikring fra FDM Forsikringer > Fri lånebil

Med en bilforsikring fra FDM Forsikringer har du fri lånebil ved reparation, så hverdagen fungerer.

Electric vehicle charging equipment coverage

Automatic coverage for electric vehicle charging cables, adapters, charging stations and battery damage

Source

Section: Grunddækning > El

Dækker skader, tyveri og hærværk på kabler, adaptere og ladestander til din elbil.

Leasing delivery damage coverage

Automatic inclusion for comprehensive insurance on leased vehicles; covers minor damage at return

Source

Section: Spørgsmål og svar til bilforsikring > Skal jeg have en bilforsikring, hvis jeg leaser en bil?

Bemærk, at du med vores kaskoforsikring får en særlig afleveringsdækning som leasingejer. Denne dækning sikrer, at du ikke skal bekymre dig om omkostninger ved skader, når bilen skal returneres ved leasingaftalens udløb. Ved aflevering af din leasingbil er mindre skader op til 6.000 kr. pr. skade dækket, og herudover har du en samlet dækning på op til 30.000 kr. i småskader.

Holiday vehicle replacement

Provides rental vehicle if comprehensive damage, breakdown or theft occurs within 35 days before scheduled vacation

SourceClause 4.4.1Page 5/21

Section: 4. Hvilke skader er dækket > 4.4 Kaskoforsikring > 4.4.1 Ferie lånebil

En ferie lånebil af tilsvarende størrelse som din egen bil, hvis din egen bil får en kaskoskade, et nedbrud eller bliver stjålet mindre end 35 dage før en planlagt ferie til udlandet

Driver personal injury coverage

Covers personal injury to the vehicle driver in single-vehicle accidents regardless of cause

Source

Section: Tilvalg > Førerdækning

Dækker føreren af bilen ved personskade efter et solo-uheld, uanset om det skyldes ildebefindende, vejret, dyr på vejen eller andre årsager.

No-claims deductible exemption

Optional coverage where no deductible is paid for claims not caused by the policyholder's fault

Source

Section: Tilvalg > Nulselvrisiko (friskader)

Fjerner selvrisikoen ved udvalgte skader som brand, tyveri, hærværk eller påkørsel af dyr.

No age-based deductible surcharge

FDM does not apply additional deductibles for drivers under 25 years old

Source

Section: Spørgsmål og svar til bilforsikring > Dækker forsikringen, hvis jeg låner min bil ud?

Og hos FDM Forsikringer er der heller ikke en særlig selvrisiko, hvis børn under 25 år skulle være uheldige at lave en skade, mens de låner bilen.

Single deductible for multiple claim types

When both liability and comprehensive damage occur in the same incident, only one deductible is charged

Source

Section: Derfor skal du vælge en bilforsikring fra FDM Forsikringer > Valgfri selvrisiko – uanset alder

Ingen tillæg for unge, og du betaler kun én selvrisiko, selv når skaden involverer flere forsikringer

Free workshop selection

Policyholder can choose any workshop for repairs without restriction

Source

Section: Derfor skal du vælge en bilforsikring fra FDM Forsikringer > Frit værkstedsvalg

Du vælger selv, hvilket værksted du vil benytte, hvis bilen skal repareres.

Flexible deductible selection

Policyholder selects own deductible amount; minimum 1.000 DKK

Source

Section: Derfor skal du vælge en bilforsikring fra FDM Forsikringer > Valgfri selvrisiko – uanset alder

Vælg selv din selvrisiko. Ingen tillæg for unge, og du betaler kun én selvrisiko, selv når skaden involverer flere forsikringer

European roadside assistance

Included with Kasko/Delkasko; covers breakdown and accident assistance outside Denmark in Europe

SourceClause 5.1Page 8/21

Section: 5. Tilvalg > 5.1 FDM Vejhjælp > Hvor gælder vejhjælpen

For Vejhjælp i Europa er du dækket af din kaskodækning - se afsnit 4.5 om Vejhjælp i Europa.

FDM membership requirement

FDM Car Insurance requires active FDM membership to purchase and maintain

Source

Section: Spørgsmål og svar til bilforsikring > Skal jeg være FDM-medlem for at købe forsikringer?

For at købe forsikringer hos FDM Forsikringer skal du være medlem af FDM.

Sources

FDM Forsikringer Casco (own-damage car insurance)

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