First Marine A/S (trading as FIRST.)
First
First is a motor casco insurance for the Denmark market with online purchase and 24/7 assistance.
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.
Geographic scope
Denmark, with casco cover extending to EU and EEA countries
Casco (kasko) coverage is limited to countries within the EU and the EEA; it does not follow the wider Green Card scope that applies to the liability part of the policy.
Unique selling points
- 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.
- A dedicated number-plate theft cover with no deductible reimburses the cost of a stolen license plate and its remounting.
Coverage limits
Own damage to the insured car (kasko)
Covered
Casco covers any damage to the insured car including collision, fire, explosion, lightning, short-circuit, falling objects, theft and windscreen vandalism; the actual insured sum is stated on the individual policy, not in the general terms.
Total loss settlement
Covered
A car is treated as a total loss when repair is not economically worthwhile or exceeds the tax authority's cost threshold, or if a stolen car has not been recovered within 4 weeks of reporting; cash compensation equals the replacement cost of an equivalent car of the same age and condition. New-value compensation applies for private cars under one year old, bought factory-new, where repair costs exceed 75% of the car's new value.
Partial damage (delskadet)
Covered
For damage not classed as total loss, the insurer decides whether the car (or parts of it) is repaired or whether cash compensation is paid instead; repairs restore the car to its pre-damage condition as far as possible, and the policyholder pays for any betterment resulting from replacement of worn or corroded parts.
Theft and robbery
Covered
Casco covers theft, attempted theft, robbery and hold-up of the insured car; if the car keys are stolen, costs of re-coding keys and the immobiliser are covered where a theft risk is assessed; a reduced deductible of DKK 1,200 (2020 index) applies for theft of a locked car if selvrisikodækning is chosen.
Glass damage
Covered
Glass damage falls under the general 'any damage' casco cover and vandalism limited to glass; a reduced deductible of DKK 1,200 (2020 index) applies to glass claims (including mirrors and lights, excluding sunroofs/panorama roofs and cabin-divider glass) if selvrisikodækning is chosen, and no deductible applies for windscreen chip repair (as opposed to replacement).
Natural perils (earthquake and other natural catastrophes)
Excluded
The policy explicitly excludes damage or liability arising from earthquake or other natural catastrophes; lightning strikes, explosion and falling objects are separately covered as named perils.
Vandalism (hærværk)
Covered
Under casco, vandalism cover is limited to damage that affects only the insured car's glass; serial vandalism (documented, police-reported damage to two or more cars at the same time and place) qualifies for the reduced DKK 1,200 (2020 index) deductible under selvrisikodækning.
Roadside assistance (Vejhjælp)
Optional
Vejhjælp is a paid optional add-on (advertised from DKK 350/year when bought together with casco), reachable 24/7 on a dedicated hotline; separately, SOS-International rescue cover for accidents and breakdowns abroad (within Europe) is automatically included whenever casco is purchased, subsidiary to any other travel-assistance cover held.
Replacement vehicle
No limit stated
No mention of a replacement/courtesy car benefit was found in the T&C, IPID or product page for this casco product.
Driver accident insurance (Førerulykkesforsikring)
DKK 500,000 – DKK 1,000,000
Optional add-on covering personal injury to the driver in a collision where the insured car is the only motor vehicle involved, when no compensation is available from liability, occupational injury or accident insurance; the insured sum is DKK 500,000 on death and DKK 1,000,000 on permanent disability (double compensation if disability degree is 30% or more).
Key conditions
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.
Territorial scope
Casco cover applies only within EU and EEA countries; the mandatory liability part has wider Green Card territorial scope, but casco does not follow this extended area.
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.
Policy specifics
CASCO coverage (comprehensive damage to own vehicle)
Primary coverage type for vehicle damage including collision, theft, and weather damage
SourceThird-party liability (ansvarsforsikring)
Mandatory legal liability coverage for damage caused to third parties
SourceCustomer-selected deductible (selvrisiko)
Policyholders can choose their own deductible amount to customize coverage
SourceNo-claim bonus system (9 premium tiers)
Policy features 9 premium tier levels where tier 1 is most expensive and tier 9 (elite) is cheapest; customers advance one tier per year without claims, decline one tier with claims
SourceGreen Certificate (Grønt kort)
International proof of motor liability insurance for travel in covered territories outside Denmark
SourceRoadside assistance (vejhjælp)
Emergency roadside support service for vehicle breakdowns and accidents
Source