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

Policyholders freely choose their own deductible level rather than being locked into a fixed insurer-set amount.

A 9-tier no-claims bonus scale lets even a brand-new driver reach the cheapest 'elite' tier in as little as 6 years.

Optional selvrisikodækning cuts the deductible to just DKK 1,200 for glass, fire, theft of a locked car and other listed perils.

Legal expenses cover (retshjælp) up to DKK 100,000 is automatically included free of charge whenever casco is purchased.

Driver age and experience limit

No minimum policyholder age is stated, but if the car is lent to a driver under 25 at the time of an accident, an extra deductible of 100% of the policy deductible applies; coverage requires the driver to hold a valid driving licence.

Repair network requirements

The insurer is entitled to designate the repair shop and parts supplier and works with a nationwide network of preferred repair shops ('fordelsværksteder') offering quality and service; if the car was already with a repairer/dealer for service or resale when damaged, eligible repairs must be carried out at net prices.

Anti-theft requirements

No general anti-theft device is mandated, but detached accessories are only covered if kept in a locked room, and the number plate must be fixed according to the Danish tax authority's (SKAT) fastening requirements for the license-plate cover to apply.

Claim notification deadline

Any covered claim must be reported to First 'as soon as possible' with as complete information as possible; theft, fire and vandalism must additionally be reported to the police; no specific number of days is stated in the source documents.

Deductible rules

The policyholder selects their own deductible level, index-based on 2020; only one deductible applies when liability and casco damage occur in the same event; the deductible charged never exceeds the actual claim cost; legal-expenses cover carries a 10% deductible (minimum DKK 5,000); prestige cars (e.g. Audi, BMW, Porsche, Mercedes) insured for over DKK 500,000 carry a deductible of 1% of trade price (minimum the policy deductible); optional selvrisikodækning reduces the deductible to DKK 1,200 (2020 index) for glass, fire, lightning, explosion, theft of a locked car, falling objects and serial vandalism; certain damage types (e.g. windscreen repair rather than replacement, transfer to a new owner) are exempt from deductible entirely.

Direct payment

First (via Eir Försäkring) is entitled to designate the repair shop and parts supplier, and cooperates with a nationwide network of preferred repair shops offering quality repairs and service; a loss adjuster (taksator) must approve repairs in advance, though minor repairs up to DKK 20,000 may be carried out without prior approval if continued driving would be unsafe or unlawful; VAT on repairs is paid directly by the insurer.