Extracted from source documents

GF Forsikring Casco (own-damage car insurance) (Kasko)

Underwritten by GF Forsikring · Denmark

casco (own-damage car insurance) from GF Forsikring for the Denmark market, with online purchase.

Verified Sep 1, 2026 · Terms dated 2023-01Sources

Online purchase

Unique selling points

Fixed-price guarantee: the premium does not rise just because the policyholder caused the accident or there is no liable third party.

GF is a member-owned mutual insurer that shares its profits with policyholders as a discount on their premium.

GF's car insurance was rated 'good' and placed 3rd out of 14 EV car insurance products tested by Forbrugerrådet Tænk in January 2026.

Kasko includes free repair of windscreen stone chips with no deductible.

With Kasko, damage to an EV/hybrid battery and charging cable in an accident is covered.

Coverage limits

Covered

Own Damage / Comprehensive Cover

Covered

Kasko covers essentially any damage to, and theft of, the insured car, including its fitted and unfitted equipment, regardless of fault. Settlement is by repair, cash compensation based on the replacement price of an equivalent car, or replacement of parts; the terms state no fixed monetary ceiling.

Clause 4.1.1Page 9

Section: 4. Kasko > 4.1 Hvad dækker forsikringen

Kaskoforsikringen dækker enhver skade på og tyveri af bilen.

Conditional

Total Loss / New-Value Compensation

Conditional

If the car is a total loss, GF Forsikring pays the replacement value of an equivalent car by default. Registered owners of privately-registered cars (including demo cars under 5,000 km) that are not leased get full new-car-price compensation instead if the loss occurs within the first year after first registration and repair costs exceed 50% of the car's new value at the time of loss.

Clause 6.1.3.1Page 12

Section: 6. Hvordan erstattes kasko- og delkaskoskader > 6.1.3 Nyværdierstatning

Registreret ejer af bilen har ret til en erstatning, der svarer til prisen for en fabriksny bil af samme fabrikat, model og årgang som den skaderamte, hvis alle følgende betingelser er opfyldt

Covered

Partial Damage / Repair Cover

Covered

Repairable damage is settled by putting the car back into the condition it was in before the loss. The policyholder generally chooses the repair shop, but GF Forsikring may direct where repairs occur if necessary, and repairs may not start without GF Forsikring's or its assessor's prior agreement.

Clause 6.1.1Page 12

Section: 6. Hvordan erstattes kasko- og delkaskoskader > 6.1.1 Reparation

Ved reparation skal bilen sættes i samme stand som før skaden.

Covered

Theft and Robbery

Covered

Kasko covers theft and robbery of the car, and theft/attempted theft of equipment fitted inside or on a locked car. Demounted equipment (original tools, spare parts, etc.) is only covered if kept in a properly locked room with evidence of forced entry (this requirement does not apply to charging equipment). Aftermarket AV/electronic equipment and non-original spare parts are each capped at DKK 23,487 (2023 base year). For cash settlement, the car must remain unrecovered for four weeks after reporting to police and GF Forsikring.

Clause 4.1.2Page 9

Section: 4. Kasko > 4.1 Hvad dækker forsikringen

For udstyr der er afmonteret, herunder originalt værktøj mv. til bilen, og reservedele, er det en betingelse ved tyveri, at genstandene opbevares i forsvarligt aflåst rum, og at voldeligt opbrud kan konstateres.

Covered

Glass Damage

Covered

Glass damage (e.g. windscreen stone chips) is included under Kasko's general 'any damage' cover; no deductible is charged if a damaged windscreen is repaired rather than replaced. The optional 'Udvidet glas' add-on removes the deductible for repairing glass other than the windscreen and cuts the replacement deductible to DKK 1,606 (2023 base year), with no step/price consequence.

Clause 8.3Page 14

Section: 8. Udvidet glas > 8.3 Selvrisiko

Der opkræves en selvrisiko* på 1.606 kr. (basisår 2023) ved udskiftning af det beskadigede glas.

Covered

Natural Perils / Weather Damage

Covered

Damage from falling objects (e.g. roof tiles blown off a house) and other weather events is covered under Kasko's general 'any damage' clause. Damage directly or indirectly caused by earthquakes, volcanic eruptions or other natural catastrophes in Denmark (excluding the Faroe Islands and Greenland) is explicitly excluded.

Clause 17.11Page 25

Section: 17. Fællesbetingelser > 17.11 Naturkatastrofer, krig, atomenergi og terror m.m.

Jordskælv, vulkanudbrud eller andre naturkatastrofer i Danmark, eksklusiv Færøerne og Grønland.

Covered

Vandalism

Covered

Vandalism (hærværk) is a covered peril under Kasko: the exclusion for damage confined to mechanical, electrical or electronic parts explicitly does not apply when the damage is caused by vandalism (among other listed perils), confirming vandalism is otherwise covered.

Clause 4.2Page 9

Section: 4. Kasko > 4.2 Hvad dækker forsikringen ikke

Skade, der alene opstår i bilens mekaniske, elektriske og/eller elektroniske dele, medmindre skaden skyldes brand*, lynnedslag, eksplosion, tyveri, røveri og hærværk.

Conditional

Roadside Assistance Abroad

Conditional

Kasko and Delkasko include SOS rescue insurance abroad for vehicles up to 3.5 tonnes: roadside assistance at the scene, towing, transport of the vehicle home, and a rental car, for countries covered by the Red Card scheme (reachable on +45 70 10 50 52). Within Denmark, GF Forsikring instead pays the necessary transport cost to the nearest workshop for a covered kasko/delkasko claim.

Clause 6.2Page 13

Section: 6.2. Redningsforsikring i udlandet

Kasko- og delkaskoforsikringen omfatter redningsforsikring i udlandet, når den forsikrede bils totalvægt højst udgør 3,5 tons.

Optional

Replacement Vehicle / Loss of Use

DKK 6.6K

Kasko explicitly excludes a free replacement car ('Erstatningsbil') while the car is repaired. The optional 'Bilafsavn' add-on (purchasable only with Kasko) instead pays cash compensation for loss of use: DKK 659/day (2023 base year, incl. VAT) for up to 28 days on theft, or a DKK 6,587 lump sum (2023 base year, incl. VAT) on total loss; if the car is stolen and later totalled, the higher amount is paid. Abroad, a rental car is provided under the SOS rescue-insurance benefit included in Kasko/Delkasko.

Clause 13.2Page 18

Section: 13. Bilafsavn > 13.2 Hvordan erstattes skaden

I tilfælde af tyveri udgør erstatningen 659 kr. inkl. moms (basisår 2023) pr. dag, i højst 28 dage

Optional

Driver/Passenger Personal Accident Cover

Optional

Personal-injury cover for the driver (Førerplads) and for the driver plus up to 8 passengers (Autoulykke) are separate, individually selectable coverages - not automatically included with Kasko and not required to be bought with it. Compensation is based on the sum insured stated on the policy; permanent-injury payout requires at least 5% impairment (mengrad), double compensation applies at 30% impairment or above, and if the insured is 75 or older at the time of the accident, compensation for death or permanent injury is based on 50% of the sum insured.

Clause 10.2Page 15

Section: 10. Førerplads > 10.2 Hvad dækker forsikringen

Forsikringen giver ret til erstatning for ulykkestilfælde, som er en direkte følge af kørselsuheld, hvor sikrede* er fører af bilen.

Key conditions

Driver age and experience limit

No minimum age or driving experience is required for cover, but the driver must hold a valid licence. An extra deductible of DKK 6,587 (2023 base year) applies if the car is lent to a driver under 26 who is not the policyholder, registered user, or their spouse/partner - unless 'Selvrisikosikring for ung fører' has been purchased. Children/grandchildren in the household can earn seniority via 'Superelitebarn', which must take effect by age 25 at the latest.

Repair network requirements

The policyholder generally chooses the repair shop, but GF Forsikring may decide the repair location and designate the parts supplier if it deems necessary. Repairs may not begin without GF Forsikring's or its assessor's prior agreement, and after theft the car is transported to an authorised workshop near the policyholder's registered address in Denmark.

Anti-theft requirements

For theft of demounted equipment (original tools, spare parts, etc.), the items must have been kept in a properly locked room with evidence of forced entry; this requirement does not apply to charging equipment used to charge the car.

Claim notification deadline

Any claim must be reported to GF Forsikring immediately. Theft, robbery, or vandalism must also be reported to the police immediately. No repair or settlement agreement may be made without GF Forsikring's prior consent.

Deductible rules

A standard deductible applies to every liability and kasko/delkasko claim unless the policy states otherwise. Glass replacement carries a deductible of DKK 1,606 (2023 base year); no deductible applies if a windscreen is repaired rather than replaced. An extra deductible of DKK 6,587 applies for drivers under 26 (unless the young-driver excess waiver applies), and DKK 19,762 if the driver was over the alcohol/drug limit or had no valid licence. Legal-expenses cover under Kasko carries a deductible of 10% of costs (minimum DKK 2,500). A pro-rata reduction for exceeded mileage is capped at DKK 42,363 per claim.

Direct payment

GF Forsikring typically settles claims either by paying the repair workshop directly for approved repairs or by cash compensation based on the replacement value of the car; for VAT-registered owners, GF advances VAT to the repairer on liability claims, which the owner must then reimburse.

Territorial scope

Kasko covers Denmark and the countries covered by the SOS 'Red Card' rescue-insurance scheme abroad; the mandatory liability part covers Denmark and Green Card countries. GF Forsikring may change coverage abroad with 14 days' notice.

Documents

Car Insurance - Terms and Conditions no. 11-23 (January 2023) (opens in a new tab)

Terms & conditions · PDF

Car Insurance - Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Kasko (Comprehensive) Coverage

Comprehensive coverage on the vehicle itself, covering damage regardless of fault, including collision, theft, fire, vandalism, and weather damage

SourceClause 4.1.1Page 9

Section: 4. Kasko > 4.1 Hvad dækker forsikringen

Kaskoforsikringen dækker enhver skade på og tyveri af bilen.

Delkasko (Partial Comprehensive) Coverage

Partial comprehensive coverage protecting against damage not caused by the policyholder, such as theft, vandalism, fire, weather, and breakdowns occurring when the vehicle is not in use

SourceClause 5.1.1Page 10

Section: 5. Delkasko > 5.1 Hvad dækker forsikringen

Tyveri og røveri* af bilen.

Rescue Insurance Abroad

SOS rescue insurance abroad included in kasko and delkasko coverage, providing assistance in countries covered by the Red Card agreement

SourceClause 6.2Page 13

Section: 6.2. Redningsforsikring i udlandet

Kasko- og delkaskoforsikringen omfatter redningsforsikring i udlandet, når den forsikrede bils totalvægt højst udgør 3,5 tons.

Extended Glass Coverage

Optional add-on to Kasko only: no deductible for repair of glass other than the windscreen, and a lower deductible of DKK 1,606 (2023) for glass replacement, with no price-step consequences.

Source

Section: Sammensæt din bilforsikring

Slip for at betale selvrisiko, hvis glasset kan repareres. Skal glasset udskiftes, opkræves du en fast, lav selvrisiko.

Parking Damage Coverage

Optional coverage for damage sustained while vehicle is parked, such as contact damage from other vehicles

SourceClause 9.3Page 14

Section: 9. Parkeringsskade > 9.3 Hvilke skader er omfattet

Påkørselsskader forvoldt af køretøj eller indkøbsvogn.

New Value Replacement (Nyværdi)

Option providing replacement with new vehicle price (full new value) instead of market value for eligible newly purchased vehicles meeting specific criteria

SourceClause 6.1.3.1Page 12

Section: 6. Hvordan erstattes kasko- og delkaskoskader > 6.1.3 Nyværdierstatning

Registreret ejer af bilen har ret til en erstatning, der svarer til prisen for en fabriksny bil af samme fabrikat, model og årgang som den skaderamte, hvis alle følgende betingelser er opfyldt

Legal Assistance Coverage

Included in kasko coverage, providing legal cost coverage for disputes relating to ownership, use or driving of the insured vehicle

SourceClause 4.3Page 10

Section: 4.3 Retshjælpsforsikring

Kaskoforsikringen omfatter retshjælpsforsikring.

Driver Seat Coverage

Optional coverage providing economic compensation to the driver for personal injury sustained in vehicle accidents

SourceClause 10.2Page 15

Section: 10. Førerplads > 10.2 Hvad dækker forsikringen

Forsikringen giver ret til erstatning for ulykkestilfælde, som er en direkte følge af kørselsuheld, hvor sikrede* er fører af bilen.

Authorized Repair Workshop

In case of damage, repairs must be conducted at an authorized workshop near the policyholder's registered address in Denmark, unless otherwise agreed

SourceClause 6.1.5Page 13

Section: 6.1.5 Transportomkostninger gældende for bilen

Kommer bilen til veje efter tyveri eller røveri* betales nødvendige omkostninger til transport af bilen til autoriseret værksted i nærheden af forsikringstagers* folkeregisteradresse i Danmark.

Proper Maintenance Requirement

Policyholder must ensure proper maintenance and service of the vehicle, including sufficient oil in the engine and regular servicing, as deficient maintenance may result in claim denial

SourceClause 1.2Page 7

Section: 1. Hvad skal du selv gøre > 1.2 Vedligeholdelse

Det er vigtigt, at bilen bliver vedligeholdt og efterset, da mangelfuld* vedligeholdelse eller eftersyn kan have betydning for erstatningen.

Theft Claim Conditions

In case of vehicle theft or robbery, the vehicle must not be recovered within 4 weeks after notification to police and GF Forsikring for claim to be eligible

SourceClause 6.1.2Page 12

Section: 6.1.2 Kontanterstatning

Ved tyveri eller røveri* er det en betingelse, at bilen ikke bliver fundet inden fire uger efter, at GF Forsikring og politiet har modtaget anmeldelse om tyveriet.

Claim Notification Requirement

Policyholders must report theft, robbery or vandalism to police immediately and notify GF Forsikring without delay. Repairs or compensation decisions cannot be made without GF's prior written consent

SourcePage 1

Section: Hvilke forpligtelser har jeg?

Er der tale om røveri, tyveri eller hærværk skal skaden også meldes til politiet med det samme.

Valid Driving License Requirement

Coverage is void if the vehicle is driven by someone without a valid and legally valid driving license for the vehicle type

SourceClause 4.2.1Page 9

Section: 4. Kasko > 4.2.1 Forsæt, spiritus, manglende kørekort mv.

Skade sket mens bilen blev ført af en person, der ikke havde lovbefalet kørekort, medmindre det godtgøres, at skaden ikke skyldes mangel på kørefærdighed.

Claim-Free Seniority Discounts

Policyholders receive lower premiums for each year of claim-free driving up to a minimum premium tier. Elite status (5 years claim-free) and SuperElite status (6 years claim-free) provide special benefits

Source

Section: Fordele med en bilforsikring hos GF

Billigere pris for hvert år, du kører skadefrit, indtil du når det billigste pristrin Du bliver superelitebilist efter 6 år uden skader, som giver adgang til yderligere fordele

Policy Cancellation and Termination

Insurance can be cancelled in writing with minimum one month notice to the policy anniversary date. Early cancellation within first year may incur additional fee. Cancellation right available within 14 days of policy inception.

SourcePage 2

Section: Hvordan opsiger jeg aftalen?

Forsikringen kan opsiges skriftligt med mindst én måneds varsel til den første i en måned.

Sources

GF Forsikring Casco (own-damage car insurance)

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