Jyske Forsikring Casco (own-damage car insurance) (Kasko Personbil)

Covers any damage to the insured car, including fitted and unfitted accessories used with the car, as well as loss by theft and robbery. Aftermarket equipment such as audio/navigation/tuning equipment is capped at 27,329 kr (2021 index). Claims are settled either by repair (at an insurer-approved workshop, net prices if the car was left with a dealer/repairer) or by cash settlement.

For privately registered cars, new-for-old (nyværdierstatning) settlement applies if the damage occurs within the first year after first registration, the car was factory-new when the policy was taken out/changed, and repair costs exceed 50% of the car's new value; this does not apply to leased cars. Otherwise settlement is at the cash value of an equivalent car; if a stolen/robbed car is not recovered within 4 weeks of notifying the insurer and police, cash settlement applies.

The insurer restores the car to its pre-damage condition and may direct the repairer. Loss of trade value from repair (e.g. colour differences after painting) is not covered but may in some cases be claimed from a liable third party. Repairs are not carried out if the repair cost exceeds the threshold set by the Ministry of Taxation, in which case cash settlement applies instead.

Loss of the car by theft or robbery is covered under kasko. If the car is not recovered within 4 weeks of the insurer and police receiving notification, the claim is settled in cash based on the cost of an equivalent car. Removed summer/winter tyre-and-rim sets are only covered if stored in a locked room or with a dealer/repairer.

Damage to the car's windows, sunroof glass, headlamp glass and mirror glass is covered under kasko. If the frontrude/glastag can be repaired (stone-chip repair), no deductible applies. If it must be replaced, a deductible of 1,740 kr (2021 index) applies under the optional Udvidet bildækning/friskadeforsikring add-on; without that add-on the policy's standard deductible applies to a replacement.

Impact damage from falling objects, lightning, and similar sudden events is covered as part of kasko's general 'any damage' cover. However, damage caused by earthquakes or other natural disturbances is explicitly excluded under the general terms, as is gradual weather-related deterioration such as corrosion, rust and frost cracking.

Damage to the car caused by vandalism is covered under kasko. No deductible is charged if the perpetrator is 'known' (has admitted or been convicted of the vandalism). Vandalism must also be reported to the police, and a police report receipt should be obtained.

Rescue cover abroad (via the red SOS card and SOS International) is automatically included whenever kasko is selected, but does not apply to cars over 3.5 tonnes. Domestic roadside assistance ('Vejhjælp') is a separate optional add-on (must be shown on the policy) providing towing and on-the-spot help, e.g. for a flat battery or puncture, capped at a maximum of 3 assistances per year in the period 1 August–31 July; it does not cover breakdowns caused by lack of maintenance.

Available only under the optional Udvidet bildækning add-on. Reimburses up to 500 kr per day for a rental car in Denmark if the repair shop cannot provide one, for up to 14 days from the date the car was handed in for repair, or up to 28 days if the car is stolen or a total loss. Fuel costs are excluded, and no reimbursement applies if the repair shop or insurer can already provide a replacement car.