If Casco (own-damage car insurance) (Bilforsikring)

Covers any damage to the insured vehicle itself, e.g. collisions, single-vehicle accidents and parking damage. Included under Kasko, Bil Super and Leasing Super; NOT covered under Delkasko, which excludes driving and collision damage entirely.

Under Kasko, total loss is settled per standard Danish tax-authority (SKAT) total-loss rules with cash compensation. Under Bil Super, vehicles up to 3 years old get new-value compensation (capped at original purchase price); vehicles over 3 years old get trade value plus a 10% supplement.

If repairable, If pays for repairs restoring the vehicle to its pre-damage condition. Under Bil Super, if a covered kasko claim's repair cost exceeds 20,000 DKK, an additional 10% of the repair cost is paid as depreciation compensation.

Loss of the vehicle and damage caused in connection with theft, burglary, robbery or attempts thereof is covered from Delkasko level upward. Bil Super adds an extra 10% on top of trade value if the vehicle is not recovered within 28 days of notification to If and police.

A paid add-on (Udvidet glasdækning), available on Kasko, Bil Super and Leasing Super, covering windscreen, side and rear windows, mirror and light glass, cabin partitions and glass/sun/panorama roofs, without affecting the no-claims price step. No deductible applies to repairs; a deductible applies if replacement is needed. Displays/touch screens are excluded. Basic glass damage without this add-on is otherwise treated as an ordinary kasko claim subject to the normal deductible.

Damage from fire, lightning strike and explosion is covered from Delkasko level upward. However, damage caused by weather exposure such as corrosion, rust and frost damage, and Danish/domestic earthquakes or other natural catastrophes, is explicitly excluded from the whole policy.

Vandalism damage is covered under Kasko, Bil Super and Leasing Super. It is explicitly NOT covered under Delkasko. 'Serial vandalism' (vandalism on three or more vehicles at the same time and place, confirmed by police) is covered with no deductible and no effect on the no-claims price step.

If Vejhjælp Europa is included from Delkasko level upward but explicitly excludes Denmark, covering vehicles up to 3,500 kg in most of Europe (incl. Russia to the Urals, Israel, Morocco, Tunisia, Turkey, Iran) for breakdowns/accidents linked to a covered kasko claim, including towing, start help, fuel delivery, hotel stay and repatriation. Domestic roadside assistance in Denmark (If Vejhjælp Danmark) is a separate paid add-on covering starting help, wheel change, fuel delivery, lock-out and towing.

Included from Delkasko level upward while the vehicle is repaired at an If Partner garage (100 km/day free of charge, no guarantee of same make/model). Bil Super and Leasing Super extend this: up to 14 days after total loss (until a new car is acquired), up to 35 days after theft/robbery (until the car is recovered), and for the full repair period for motor/machinery damage claims. Abroad under If Vejhjælp Europa, a courtesy car is provided for up to 21 days.