IF SKADEFORSIKRING, FILIAL AF IF SKADEFÖRSÄKRING AB (PUBL), SVERIGE

Driver age and experience limit

If the driver at the time of a claim is under 25 and the 'Ung bilist' (Young Driver) add-on has not been purchased, an extra 5,000 DKK deductible is charged on top of the standard deductible, unless the driver is the policyholder, spouse or cohabiting partner.

Repair network requirements

The extended courtesy-car benefits under Delkasko, Kasko, Bil Super and Leasing Super require repair at an If Partner garage; If cannot guarantee the courtesy car will match the insured vehicle's make, model or equipment.

Territorial scope

Casco cover, including If Vejhjælp Europa and other add-ons, applies abroad only in connection with holiday trips of up to 8 consecutive weeks, and only to the extent not covered by any other insurance taken out for driving abroad.

Anti-theft requirements

The terms and conditions do not state any mandatory alarm, immobilizer or other anti-theft device requirement as a condition for theft cover.

Claim notification deadline

Claims must be reported to If as soon as possible via if.dk or the 24/7 phone line. Crimes such as theft, robbery or vandalism must also be reported to the police in the country where the incident occurred. Requests for psychological crisis help must be reported within 3 months of the incident.

Deductible rules

The deductible amount is stated in the insurance agreement. Only one deductible applies if a claim affects both liability and casco cover. If two or more chargeable claims occur within 12 months at price steps 1-7, the deductible doubles from the second claim onward (not applicable at step 8, 'elitebilist'). An extra 5,000 DKK deductible applies for drivers under 25 (without Ung bilist) or for exceeding the agreed annual mileage. No deductible applies to glass repairs, Friskade claims, serial vandalism, or psychological crisis help.

Rental car provision

Provision of a replacement/rental car while the insured vehicle is being repaired

New value replacement

For newer cars, compensation may include replacement of vehicle at new value in early years

Glass damage (windscreen and windows)

Covers damage to windscreen and other vehicle windows as part of standard Kasko coverage

Theft and robbery coverage

Covers losses due to theft or robbery of the insured vehicle

Collision and accident damage

Covers damage to the insured vehicle from collisions, parking damage, and single-vehicle accidents

Vandalism and malicious damage

Covers intentional damage caused by vandalism or malicious acts

Fire and explosion damage

Covers damage caused by fire, lightning strike, or explosion

Deductible (self-insurance amount)

The amount the policyholder must pay out-of-pocket for each claim before insurance pays

Claims-free discount (bonus) and loss of bonus (malus)

A tiered system where premium discounts are earned for claim-free years and reduced if claims are filed

Young driver excess charge

Additional deductible or surcharge applies if driver is under 25 years old at time of claim

Geographic coverage area

Insurance covers vehicles in Denmark and all countries part of the Green Card system

Repair approval by insurer

IF must approve repair agreements and costs before work begins; exceptions for urgent roadside repairs

Policy duration

Insurance is issued for 12-month periods with automatic renewal

Driving condition exclusions

Insurance does not cover claims from racing, competitive driving, or business use beyond stated parameters