Gjensidige
Gjensidige is a motor casco insurance for the DK market with online purchase and 24/7 assistance.
Direct payment
Gjensidige pays the repair workshop directly for covered claims; for roadside assistance abroad, SOS International is contacted directly. The policyholder pays the agreed deductible. Claims must be reported before repairs are started; minor repairs are permitted if it would be illegal or unsafe to continue driving.
Geographic scope
Europe
Denmark and countries affiliated with the Green Card scheme; rescue insurance abroad applies for vehicles up to 3,500 kg max. total weight via SOS International (Red Card) covering 28 EU-countries and approx. 30 non-EU countries
Unique selling points
- Over 90% of online car damage claims are processed within 24 hours, providing industry-leading claims speed.
- No increased deductible for drivers under 25 years old — unique among major Danish insurers.
- Customers aged 28+ automatically receive elite driver status (elitebilist) from day one, delivering lower premiums without requiring a prior claims-free history.
- Free loan car at partner workshops during repair is included in all Kasko tiers, with 'Udvidet Lånebil' guaranteeing delivery within 24 hours and up to 30 days coverage including theft scenarios.
- Legal protection (retshjælp) covering attorney costs up to DKK 225,000 is included in Kasko Basis, Udvidet, and Premium — not a paid add-on.
Coverage limits
Own vehicle damage
Covered
Covers damage to the insured vehicle, its glass and equipment caused by traffic accidents, single-vehicle accidents, parking damage, and external events. The policyholder pays the chosen deductible (e.g. DKK 5,000). No increased deductible for drivers under 25 years old.
Total loss
Covered
Covers total loss of the insured vehicle. Compensation is based on the vehicle's market value at the time of loss. Kasko Basis, Kasko Udvidet and Kasko Premium all cover total loss scenarios including theft-induced total loss.
Partial loss (repair)
Covered
Covers repair costs for partial damage to the insured vehicle caused by accidents, vandalism, weather events (storm, hail), fire, and other covered perils. Subject to the policyholder's chosen deductible.
Theft and robbery
Covered
Covers theft and robbery of the insured vehicle, as well as damage to the vehicle in connection with theft or break-in. Theft and robbery must also be reported to the police. Aftermarket audio and telecom equipment is covered up to DKK 20,000.
Glass damage
Covered
Windscreen chip repairs are free of charge (DKK 0 deductible) on Kasko Udvidet and Kasko Premium. Full windscreen replacement carries a DKK 1,250 deductible on Kasko Udvidet and Kasko Premium; on Kasko Basis, the policyholder's chosen deductible applies. Optional add-on 'Udvidet Glasskade' eliminates the deductible for all glass damage except windscreen replacement, which is reduced to DKK 1,250.
Natural perils (storm, hail, flooding)
Covered
Covers damage caused by weather events including storm, hail, and flooding as part of the casco coverage. Subject to the policyholder's chosen deductible.
Vandalism (hærværk)
Covered
Covers vandalism damage to the insured vehicle under the standard casco coverage, subject to the chosen deductible. Vandalism must be reported to the police. The optional add-on 'Friskade' or 'Udvidet Friskade' removes the deductible for vandalism and parking damage caused by others.
Roadside assistance (Vejhjælp)
Optional
Optional add-on 'Vejhjælp' provides 24/7 roadside assistance throughout Europe, including jump-starts, towing to a workshop, tyre changes, fuel delivery, and a loan car at partner workshops. Average response time in Denmark is 45 minutes. Rescue insurance abroad (via SOS International Red Card) is included for vehicles up to 3,500 kg when casco is active, covering approx. 28 EU and 30 non-EU countries.
Replacement vehicle / Loan car
Covered
A free loan car is provided during repair at Gjensidige partner workshops (subject to availability). The optional 'Udvidet Lånebil' add-on guarantees a loan car within 24 hours and for up to 30 days when a partner workshop loan car is not available, including when the vehicle is stolen. If no loan car can be provided, financial compensation for car rental is given. Per policy terms: free driving up to 100 km per day, maximum 3,000 km total, at the lessor's terms.
Driver accident cover (Førerpladsdækning)
Optional
Optional add-on 'Førerpladsdækning' covers the driver for personal injury, pain and suffering, permanent disability, lost income, and loss of earning capacity in single-vehicle accidents and during entry/exit of the vehicle. Also covers the family for loss of breadwinner and funeral assistance.
Key conditions
driver_age_experience_limit
No increased deductible for drivers under 25 years old. Policyholders aged 28 and above automatically receive 'elite driver' (elitebilist) status from day one, which results in lower premiums without requiring a long claims-free history.
repair_network_requirements
Use of Gjensidige partner workshops is required to access the free loan car benefit and the 2-year warranty extension (to 3 years). Repairs must not commence without prior agreement with Gjensidige, except for minor repairs required to make the vehicle safe to drive. Windscreen chip repairs require use of Gjensidige's partner Dansk Bilglas.
territorial_scope
The policy covers Denmark and countries affiliated with the Green Card scheme (most of Europe). The rescue insurance abroad via SOS International (Red Card) applies when the vehicle has a maximum total weight of 3,500 kg and the journey is not for commercial goods transport. The E65 transit route between Malmö and Ystad, and up to 25 km south of the Danish-German border, has additional limitations.
anti_theft_requirements
Theft and robbery must be reported to the police immediately. The vehicle must be locked to be eligible for theft coverage; leaving the vehicle unlocked or with windows open voids theft cover.
claim_notification_deadline
Damage or claims covered by the insurance must be reported to Gjensidige immediately with as complete information and documentation as possible. Claims can be reported online at MinSide on gjensidige.dk or by calling 70 10 90 09. Repairs must not begin without prior agreement with Gjensidige.
deductible_rules
The insurance includes a deductible chosen by the policyholder (many choose DKK 5,000). Only one deductible is charged per claim event, even if both liability and casco damage occur at the same event. No deductible on windscreen chip repairs (Kasko Udvidet/Premium). DKK 1,250 deductible on full windscreen replacement (Kasko Udvidet/Premium). No increased deductible for drivers under 25. Kasko Premium: DKK 0 deductible on liability claims. Optional 'Friskade' add-on removes the deductible on: fire, explosion, lightning, theft, robbery, falling objects, and animal collisions.
Documents
Forsikringsbetingelser Privatbil-110-01.02 (Februar 2025)
terms_and_conditions
Gjensidige Bilforsikring - Dækningsmuligheder og samlede betingelser
terms_and_conditions
Gjensidige Produktark (IPID) oversigt - Bilforsikring
ipid
Gjensidige Bilforsikring betingelser (maj 2024) - autobranchensforsikring.dk
terms_and_conditions
Gjensidige Bilforsikring brochure (marts 2025)
other
Policy specifics
Loan car coverage
Coverage for loan car while insured vehicle is under repair at partner workshops
Rescue insurance abroad
Coverage for rescue and breakdown assistance abroad; included for vehicles with max 3500 kg total weight
Aftermarket equipment coverage
Coverage for installed audio and telecom equipment up to 20,000 kr, with option to increase via insurance amount
Vehicle maximum total weight
Insurance covers vehicles with maximum total weight of 3500 kg
Deductible structure
Insurance includes deductible system with only one deductible applied per claim
Mandatory liability coverage
Liability insurance is mandatory by law (Færdselsloven §108) for all registered vehicles in Denmark