Pending review

Gjensidige Forsikring, Danish branch of Gjensidige Forsikring ASA, Norway

Name: Gjensidige Forsikring, Danish branch of Gjensidige Forsikring ASA, Norway Motor casco
Brand: Gjensidige Forsikring, Danish branch of Gjensidige Forsikring ASA, Norway
SKU: denmark-casco-gjensidige

Gjensidige

Gjensidige is a motor casco insurance for the Denmark market with online purchase and 24/7 assistance.

Last verified Sep 1, 2026Reviewed by: Boleron EUTerms & conditions: 2025-02Underwritten by: Gjensidige Forsikring ASA

Online purchase24/7 helpline

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.

Geographic scope

Denmark

Denmark and the rest of Europe; the policy holds the customer covered while driving in Denmark and Europe.

Unique selling points

1,250 kr deductible for full windscreen replacement is marketed as one of the lowest in the industry.
No double deductible for drivers under 25, unusual compared to the rest of the market.
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.
Roadside assistance across Denmark and Europe with an average response time of just 45 minutes.

Coverage limits

Own damage (Kasko cover)

Covered

Comprehensive casco cover for damage to the policyholder's own car, indemnified based on the car's market/replacement value rather than a stated monetary ceiling; available across the Kasko Basis, Kasko Udvidet and Kasko Premium tiers.

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Total loss

Covered

Kasko Basis and higher tiers cover total loss of the vehicle, indemnified on a market-value basis; no fixed sum insured is stated in available sources.

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Partial damage (dents/scratches, single-vehicle accidents)

Covered

Kasko Basis covers most damage to the insured car, such as single-vehicle accidents, dents and scratches, subject to the chosen deductible.

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Theft and robbery

Covered

Casco cover reimburses the policyholder in the event of theft or robbery of the insured car.

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Glass damage

Covered

Under Kasko Basis, glass damage is covered subject to the policyholder's chosen general deductible (e.g. 5,000 kr). Under Kasko Udvidet and Kasko Premium, repairable glass damage (e.g. stone chips) is covered with 0 kr deductible, and full windscreen replacement carries a reduced 1,250 kr deductible, described as one of the lowest in the industry.

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Natural perils (storm, hail, flood)

No limit stated

No specific statement about natural-peril coverage (storm, hail, flood) for this product was found in the available official sources.

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Vandalism

Covered

Casco cover provides compensation for traffic accidents, parking damage, theft, vandalism and fire on the car.

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Roadside assistance

Optional

Roadside assistance (Vejhjælp) is offered as an add-on cover on the car insurance, providing 24/7 assistance across Denmark and Europe (breakdown, flat tyres, jump starts, towing), delivered via SOS Dansk Autohjælp with an average response time of 45 minutes.

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Free rental car during repairs

Covered

Casco customers receive a free rental car while their vehicle is repaired at an approved workshop, covering up to 3,000 km in Denmark with a limit of 100 km per day; alternative cash compensation is available if no rental car is provided.

SourceSource no longer reachable

Driver accident cover / Driver's seat cover

Optional

Cover for personal injury to the driver of the car is only in force if the policyholder adds the optional driver's-seat cover (Førerpladsdækning/Førerulykkesforsikring) to the casco policy.

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Key conditions

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.

Territorial scope

The car insurance keeps the customer covered while driving in Denmark and the rest of Europe.

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 (confirmed for the Lexus-branded variant of the terms).

Claim notification deadline

The available sources do not state a specific claim-notification deadline for this product; claims can be reported online, and over 90% of online-reported claims are processed within 24 hours.

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.