Gjensidige Casco (own-damage car insurance) (Kasko)

With Kasko Udvidet or Premium, full windscreen replacement carries a DKK 1,250 deductible.

No double deductible for drivers under 25.

Over 90% of car insurance claims reported online are processed within 24 hours.

Drivers aged 28 and above automatically get Elite Driver status from day one of the policy.

Driver age and experience limit

Drivers under 25 do not pay an increased (double) deductible, which is unusual on the market, and drivers aged 28 and above automatically receive Elite Driver status from day one.

Repair network requirements

Full benefits, including the free rental car and original spare parts, apply when repairs are carried out at a Gjensidige-approved partner workshop; using another workshop may mean losing access to the rental car benefit.

Anti-theft requirements

Theft cover is excluded if the car keys are left in the vehicle, even briefly, and the vehicle's doors, windows, boot and sunroof must be closed and locked whenever it is left unattended.

Section: 1. Værd at vide > Gode råd til at undgå skader

For at undgå tyveri af din bil, skal du altid tage din bilnøgle med dig. Der vil ikke være dækning, hvis du forlader bilen med nøglen i din bil, også selvom det er kort tid fx derhjemme i indkørslen, ved bageren eller tankstationen. Sørg altid for at døre, vinduer, bagagerum og soltag er lukket og låst, når du forlader bilen.

Claim notification deadline

Claims must be reported to Gjensidige immediately, with as full information and documentation as possible, online on MinSide or by phone (70 10 90 09).

Section: 25. Erstatning ved skade > Når skaden sker

Skade eller erstatningskrav, der er omfattet af forsikringen, skal straks anmeldes til os med så fyldestgørende oplysninger og dokumentation som muligt.

Deductible rules

The policyholder chooses a fixed deductible for most damage (commonly 5,000 kr). Kasko Udvidet reduces the deductible to 0 kr for animal collisions and repairable glass damage (1,250 kr for full windscreen replacement); Kasko Premium reduces the deductible to 0 kr on liability (ansvar) damage.

Direct payment

For glass damage, Gjensidige cooperates with Danish Car Glass (Dansk Bilglas); the workshop sends the invoice directly to Gjensidige, which then contacts the customer, avoiding upfront payment by the policyholder.