Jyske Forsikring (insurance provided by Købstædernes Forsikring, Gensidig, in cooperation with Jyske Bank A/S)
Jyske Forsikring
Jyske Forsikring is a motor casco insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
The insurer may either settle claims by paying an approved repair shop directly or by reimbursing the policyholder for repair expenses; direct payment to an approved repair shop is the typical practice.
Geographic scope
Denmark, Europe, and non-European countries party to the Green Card scheme
The policy covers Denmark, Europe, and Green Card countries outside Europe; it does not cover driving on airport airside areas unless specially agreed, and unregistered mopeds and stationary caravans are covered only in Denmark
Unique selling points
- Customers who drive claims-free for 5 years achieve 'elitebilist' status, unlocking a lower price and lower deductible.
- No increased deductible when a household member under 26 borrows the family car, and the young driver can build up their own no-claims record for the future.
- Bundling all insurance policies with Jyske gives customers a 10% discount across all their policies.
- Repairable stone chips in the windscreen or sunroof glass are fixed with zero deductible under the casco cover.
- Parking damage caused by an unidentified third party is covered without any deductible.
Coverage limits
Own damage cover (comprehensive vehicle damage)
Covered
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.
Total loss settlement
Covered
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.
Partial damage / repair cover
Covered
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.
Theft and robbery cover
Covered
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.
Glass damage cover
Covered
Only in Udvidet bildækning
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.
Natural perils cover
Covered
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.
Vandalism cover
Covered
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.
Roadside assistance / rescue cover
Conditional
Only in Redningsforsikring i udlandet, Vejhjælp
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.
Replacement vehicle / rental car cover
DKK 500
Only in Udvidet bildækning
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.
Driver accident cover (Førerpladsdækning)
Optional
Only in Førerpladsdækning
Available as an optional add-on (must be shown on the policy). Covers personal injury to the driver of the insured car in sole-vehicle accidents (e.g. skidding into a ditch) and injuries while entering/exiting the car, where no other liable party can be claimed against. Compensation is calculated under the rules and rates of the Danish Liability for Damages Act, and can cover lost income, medical/transport costs, pain and suffering, permanent injury, loss of earning capacity, and loss-of-provider/funeral costs.
Key conditions
Driver age and experience limit
If the car is driven by a person under 26 and that driver is held liable for a compensable traffic accident, an age-related deductible of 4,781 kr (2021 index) applies in addition to the ordinary deductible. This does not apply if the driver is the registered owner/user, a spouse/cohabiting partner, or driving a company vehicle for business use. Household drivers under 26 borrowing the family car are exempt from any increased deductible under the 'Ung fører bonus' and can accrue their own no-claims history.
Repair network requirements
The insurer is entitled to designate the repair workshop. If the damaged vehicle was already left with or sold to a dealer/repairer at the time of the incident, repairs at that workshop must be invoiced at net prices; repairs on the policyholder's own vehicle are likewise settled at net prices.
Territorial scope
The insurance covers Denmark, the rest of Europe, and non-European countries party to the Green Card scheme, at least at Danish minimum sums. It excludes cover on airport airside areas unless specially agreed, and excludes unregistered mopeds, work machines/tractors and stationary caravans outside Denmark.
Anti-theft requirements
No specific anti-theft device or immobiliser requirement is stated in the reviewed policy terms for private car kasko cover.
Claim notification deadline
Claims must be reported to the insurer as soon as possible, either online or by phone. Theft, robbery, assault and vandalism must also be reported to the police, and a police report receipt should be kept. If a stolen/robbed car is not recovered within 4 weeks of the insurer and police receiving notification, the claim is settled in cash.
Deductible rules
One deductible applies per claim (the highest applicable amount if both liability and kasko are triggered by the same incident). No deductible applies for vandalism by a known perpetrator, damage while the car was with a repairer/dealer, damage after sale to a new owner, or claims where liability lapses under the Liability for Damages Act. A deductible of 1,740 kr (2021 index) applies to windscreen/sunroof replacement (waived if the policy's kasko deductible is zero); an age-related deductible of 4,781 kr applies for drivers under 26 (with exceptions); and an additional deductible of 20,739 kr applies if the driver was over the alcohol limit, on drugs, or unlicensed.
Where to buy
Policy specifics
Casco coverage (comprehensive vehicle damage)
Primary optional coverage for vehicle damage from accidents, theft, vandalism, and natural disasters
SourceSource no longer reachableLiability insurance (ansvarsforsikring)
Mandatory legal coverage for third-party bodily injury and property damage liability
SourceSource no longer reachableFree damage insurance (Friskadeforsikring)
Optional coverage waiving deductible for specific claim types such as theft, fire, lightning, and falling objects
SourceSource no longer reachableExtended glass coverage (udvidet glasskade)
Optional coverage for windscreen and other glass damage with reduced or waived deductible
SourceSource no longer reachableLegal assistance coverage (retshjælp)
Included coverage providing legal assistance and court costs related to vehicle-related disputes
SourceSource no longer reachableDeductible (selvrisiko) structure
Policyholder must pay a specified deductible amount for each claim, varying by coverage type and selected level
SourceSource no longer reachableRepair approval requirement
Insurer must approve repair estimates and specific repair workshops before work can commence
SourceSource no longer reachableClaims notification deadline
Policyholder must report claims to insurer as soon as possible, with specific timelines for theft and criminal damage
SourceSource no longer reachableGeographic coverage area
Insurance covers Denmark as primary territory; European coverage with green card system for countries outside standard EU/EEA
SourceSource no longer reachableVehicle inspection for casco coverage
Vehicle inspection may be required before casco coverage can be added if initially purchased with liability only
SourceSource no longer reachableSettlement method (direct payment vs reimbursement)
Insurer may either directly settle with repair shops or reimburse the policyholder for repair expenses
SourceSource no longer reachableSources
- https://www.jyske.dk/forsikringer/bilforsikring/kaskoforsikring/Source no longer reachable