If
If is a motor casco insurance for the DK market with online purchase and 24/7 assistance.
Direct payment
If pays directly to the repair workshop at an If Partner Workshop. The customer pays only the chosen deductible, which If charges after repair. Compensation is paid via NemKonto for cash settlements.
Geographic scope
DK
Dækker i Danmark og i de lande, der er tilsluttet grønt kort-ordningen. I udlandet dækker delkasko- og kaskoforsikringen kun skader i forbindelse med ferie i op til 8 sammenhængende uger.
Unique selling points
- Extra equipment installed after first registration is automatically covered up to DKK 50,000 per claim with no separate declaration required.
- Roadside assistance across Europe (incl. Turkey, Israel, Morocco) is included at no extra cost with every Kasko policy, with loan car coverage for up to 21 days abroad.
- Policyholder freely selects their own deductible – including DKK 0 – with no automatic annual indexation of the chosen amount.
- Serial vandalism on three or more vehicles (police-confirmed) is covered with zero deductible and no impact on the no-claims pricing step.
- Psychological crisis counselling (up to 10 hours) for driver and passengers is included in the Kasko policy after a traumatic covered incident at no extra cost.
Coverage limits
Own Vehicle Damage
Covered
Covers any damage inflicted on the insured vehicle, e.g. collision, impact, or single-vehicle accident. Weather-related damage (rust, corrosion, frost), wear and tear, and manufacturing defects are excluded.
Total Loss
Covered
Cash compensation is paid when repair costs exceed SKAT's total loss threshold or when the vehicle cannot be economically repaired. Market value (handelspris) is used as the basis. The Bil Super add-on provides new-for-old value for vehicles up to 3 years old, and market value +10% for older vehicles.
Partial Loss / Repair
Covered
If pays for repair restoring the vehicle to pre-damage condition. Improvements resulting from replacement of worn parts, paint shade differences, and trade value depreciation are not covered under standard Kasko (Bil Super required for the latter).
Theft and Robbery
Covered
Loss of vehicle due to theft or robbery is covered. Damage to the vehicle in connection with theft, burglary, robbery, and attempts thereof is covered. Cash compensation is paid if the vehicle is not found within 28 days after both If and the police have received a written report. Theft and robbery must be reported to police immediately.
Glass Damage
Covered
Windscreen, side windows, rear window, panoramic roof glass, mirror glass, and lamp glass are covered under the standard Kasko as part of vehicle damage. An optional Extended Glass Coverage add-on is available with zero deductible for repairs and 50% deductible for replacements, with no impact on the no-claims step.
Natural Perils / Weather Damage
Covered
Damage resulting from weather effects such as corrosion, rust, and frost damage is explicitly excluded under both Delkasko and Kasko. Earthquakes and other natural disasters in Denmark incl. the Faroe Islands and Greenland are also excluded under the general exclusions. Fire, lightning, and explosion are covered, but general storm/weather perils are not.
Vandalism
Covered
Damage caused by vandalism (hærværk) is covered under Kasko. Serial vandalism (hærværk on three or more vehicles at the same time and place, confirmed by police) is covered without deductible and without impact on the no-claims step. Note: vandalism is NOT covered under Delkasko.
Roadside Assistance Abroad (If Vejhjælp Europa)
Covered
If Vejhjælp Europa (excluding Denmark) is included with Kasko. Covers breakdown assistance, towing, continuation of journey/hotel, loan car (up to 21 days abroad), and repatriation of vehicle and passengers in European Green Card countries, Israel, Morocco, Tunisia, Turkey, and Iran. No deductible. Roadside assistance within Denmark (If Vejhjælp Danmark) is an optional add-on.
Loan Car (Replacement Vehicle)
Covered
A loan car is provided during the repair period when an If Partner Workshop is used. The rental includes 100 km per day at no charge. Fuel consumption and deductible buy-out on the loan car are not covered. The exact car model cannot be guaranteed. Under Kasko, the loan car is provided for the repair duration only. The Bil Super add-on extends this: up to 14 days for total loss, up to 35 days for theft/robbery, and for the full repair period for engine/machine damage.
Driver Accident (Førerpladsdækning)
Optional
Optional add-on covering personal injury to the driver in a traffic accident where no liable third party is present (single-vehicle accident). Covers medical expenses, lost income, pain and suffering, permanent disability (min. 5%), permanent loss of earning capacity (min. 15%), and survivors' benefits. No deductible. Compensation is calculated under the Danish Liability Act (erstatningsansvarsloven) and is reduced by amounts recoverable from third-party liability or workers' compensation insurance.
Key conditions
driver_age_experience_limit
If the driver is under 25 years of age and the 'Ung bilist' add-on has not been selected, an additional DKK 5,000 deductible is charged per claim, on top of the agreed deductible. This extra deductible is waived if the driver is the policyholder, spouse, or cohabitant. The 'Ung bilist' add-on eliminates this extra deductible and allows resident children under 25 with a valid driving licence to earn up to 5 years of no-claims seniority applicable when they buy their own insurance at If.
repair_network_requirements
If has the right to direct the customer to an If Partner Workshop (If Partnerværksted). Loan car and direct settlement are only available when an If Partner Workshop is used. The customer may choose an independent workshop, but the loan car benefit and direct billing are then not available. The repair must restore the vehicle to its pre-damage condition; If will pay the cost of such repair.
territorial_scope
Liability insurance covers Denmark and all Green Card countries. Kasko (own damage) and Delkasko coverage, including If Vejhjælp Europa, covers abroad only for holiday trips of up to 8 consecutive weeks. If additional insurance for driving abroad has been purchased, this policy covers to the extent the other policy does not.
anti_theft_requirements
No specific anti-theft device requirements are stated in the policy. However, theft and robbery must be reported to the police immediately. Dismounted equipment is only covered if stored in a securely locked premises. Theft of car keys is covered up to DKK 4,000 under the optional Friskade add-on.
claim_notification_deadline
Claims must be reported to If as soon as possible, either online at if.dk or by calling 70 12 12 12 (available 24/7). Theft, robbery, and vandalism must also be reported to the police immediately. Damaged or replaced items must not be discarded or repaired before If has approved it (temporary repairs are allowed to prevent serious consequences). The right to claim after policy expiry follows the standard limitation rules in the Danish Insurance Contracts Act.
deductible_rules
The policyholder freely chooses the deductible amount, including DKK 0. The chosen deductible is not automatically indexed. Only one deductible is charged when both liability and kasko damage occur in the same incident. If the policyholder drives more km per year than stated in the policy, an additional DKK 5,000 deductible is charged per claim. A double deductible applies from the 2nd claim if two or more chargeable claims occur within 12 months (does not apply at step 8 – 'elitebilist'). No deductible is charged for serial vandalism, psychological crisis assistance, or when the vehicle was in the possession of a new owner or workshop at the time of loss. Claims under the optional Friskade, Udvidet glasdækning, or Førerpladsdækning add-ons do not trigger doubled deductible.
Where to buy
Policy specifics
Extra Equipment Coverage
Automatic coverage of vehicle extra equipment up to DKK 50,000 when insured with Delkasko, Kasko or Bil Super coverage
Legal Assistance Insurance
Included in Delkasko and Kasko coverage; covers reasonable costs for private legal disputes with reasonable chance of success
Roadside Assistance Abroad
Included with Kasko and Delkasko coverage; coverage in Green Card agreement countries through Viking partnership
Driver Seat Coverage
Optional add-on coverage protecting the driver in single-vehicle accidents where no liable third party is present
Fresh Damage Coverage
Optional coverage with zero deductible for specific damage types including parking damage, glass damage, theft, and vandalism related to theft
Extended Glass Coverage
Optional coverage for windscreen, side windows, rear window and panoramic roof glass repairs without deductible; replacement at half deductible
Approved Repair Workshop Network
If has designated workshop partners for repairs; customer may choose between approved network workshops or independent workshops
Vehicle Modifications Exclusion
Insurance covers standard vehicle configurations; constructive modifications including engine tuning must be declared and may affect coverage
Claim Notification Requirement
Claims must be reported promptly to If; theft, robbery, and vandalism must be reported to police immediately
Deductible Selection Flexibility
Policyholder can choose deductible amount; no automatic indexing of deductibles selected at policy inception