Extracted from source documents

KF Forsikring Casco (own-damage car insurance) (Casco Standard)

Underwritten by Købstædernes Forsikring · Denmark

casco (own-damage car insurance) from KF Forsikring for the Denmark market, with online purchase.

Verified Sep 1, 2026 · Terms dated 2019-10Sources

Online purchase

Unique selling points

10% discount when the insurance is purchased online.

Policyholders who drive claim-free for 5 years become an 'elitebilist', earning a lower price and a lower deductible.

Partner 'Fordelsværksteder' offer a free loan car during repairs and a three-year warranty on completed repair work.

Free roadside assistance abroad via the Red Card/SOS International system is included automatically with casco, covering on-site help, towing, transport home and sourcing spare parts.

'Ung fører bonus' removes the increased deductible normally charged when a family member under 26 borrows the car, while letting the young driver build up their own no-claims history.

Coverage limits

Covered

Own Damage (Comprehensive Casco Cover)

Covered

Casco covers any damage to the insured car, including fixed accessories, resulting from events such as collision, fire, theft, robbery, vandalism, storm and other perils. Settlement is either repair or a cash payment equal to the price of an equivalent car of the same age and condition. For cars that were brand new when the policy was taken out, if damage occurs within the first year and repair costs exceed 50% of the new price, new-for-old (nyværdierstatning) replacement value is paid instead - except for leased cars.

Source no longer reachableClause 3.1.1Page 14

Section: Vilkår personbil, vare- og lastvogne > 3 Kaskoforsikring personbil – tilvalgsdækning – se policen > Hvad dækkes

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri.

Covered

Total Loss Settlement

Covered

If the car is assessed as beyond repair, or is not recovered within 4 weeks of a theft/robbery report to Købstædernes Forsikring and the police, cash compensation is paid equal to the price of an equivalent car of the same age and condition; the damaged car then becomes the property of Købstædernes Forsikring.

Source no longer reachableClause 3.3.3Page 15

Section: Vilkår personbil, vare- og lastvogne > 3 Kaskoforsikring personbil > Erstatningsregler

Afgøres skaden ved kontant betaling, eller kommer bilen ved tyveri eller røveri ikke til veje inden 4 uger efter, at Købstædernes Forsikring og politiet har modtaget en anmeldelse, fastsættes erstatningen til det beløb, et køretøj af tilsvarende alder og stand vil kunne anskaffes for mod kontant betaling.

Covered

Partial Damage / Repair

Covered

Købstædernes Forsikring may have the car repaired, restoring it to its condition before the damage, and is entitled to designate the repairer. Reduced resale value from a repair is not compensated. If the car was already with a repairer/dealer when the damage occurred, repair is settled at net (trade) prices. Repair is not carried out if the cost exceeds the threshold set by the Ministry of Taxation; the claim is then settled in cash instead.

Source no longer reachableClause 3.3.2Page 15

Section: Vilkår personbil, vare- og lastvogne > 3 Kaskoforsikring personbil > Erstatningsregler

Ved reparation sættes bilen i samme stand som før skaden. Købstædernes Forsikring er berettiget til at anvise reparatør. Reparation af bilen finder ikke sted, hvis den af Skatteministeriet fastsatte udgiftsgrænse overskrides.

Covered

Theft and Robbery

DKK 27.3K

Casco covers loss of the car through theft or robbery. Detached summer/winter tyres and rims are only covered if stored in a locked room, or handed in for storage with a dealer/repairer. Reimbursement for non-factory-fitted equipment such as audio/navigation/tuning equipment is capped at DKK 27,329 (2021 index).

Source no longer reachablePage 2

Section: Er der nogen begrænsninger af dækningen?

Ikke-fabriksmonteret ekstraudstyr, fx musikanlæg, dækkes maksimalt med 27.329 kr. (2021).

Covered

Glass Damage

Covered

Glass damage (windscreen, windows, light lenses, mirrors) is covered under casco; repairs are made without a deductible, while replacement is subject to the policy's standard deductible. The insurer works with partners Dansk Bilglas and Carglass for repairs. If the optional 'Udvidet bildækning' extension is chosen, the deductible is waived for glass repair/replacement except a reduced deductible of DKK 1,740 (2021) applying to windscreen replacement.

Source no longer reachablePage 2

Section: Er der nogen begrænsninger af dækningen?

Udvidet bildækning - ved udskiftning af frontrude, skal du betale en selvrisiko på 1.740 kr. (2021)

Covered

Natural Perils (Storm, Fire, Lightning)

Covered

Casco covers damage caused by fire, explosion, short-circuit, lightning strike, storm and falling objects. Earthquake and other natural disturbances are excluded, as is damage from war, warlike actions, civil unrest, terrorism and the release of nuclear/radioactive energy.

Source no longer reachableClause 20.1Page 9

Section: Motorkøretøjsforsikring - generelle vilkår > 20 Krigs-, jordskælvs- og atomskader m.v.

Krig, krigslignende handlinger, neutralitetskrænkelse, borgerkrig, oprør, terrorisme eller borgerlige uroligheder, Jordskælv eller andre naturforstyrrelser,

Covered

Vandalism (Hærværk)

Covered

Damage caused by vandalism is covered under casco; no deductible is charged if the perpetrator is 'known', i.e. has confessed to or been convicted of the vandalism.

Source no longer reachableClause 10.1.1Page 5

Section: Motorkøretøjsforsikring - generelle vilkår > 10 Selvrisiko

Hærværk forvoldt af en ”kendt” gerningsmand, hvilket vil sige, at gerningsmanden enten har erkendt eller er dømt for hærværket.

Covered

Roadside Assistance Abroad (Red Card / SOS International)

Covered

Automatically included with casco cover: emergency roadside assistance abroad via the SOS International Red Card scheme, covering on-site assistance, towing, transport of the car home, hotel costs and sourcing of spare parts; excludes vehicles with a gross weight over 3.5 tonnes. A separate optional 'Vejhjælp' add-on covers roadside assistance within Denmark, limited to 3 call-outs per insurance year.

Source no longer reachableClause 5.1.1Page 16

Section: Vilkår personbil, vare- og lastvogne > 5 Redningsforsikring i udlandet

Forsikringen dækker i overensstemmelse med de til enhver tid gældende forsikringsvilkår for redningsforsikring i udlandet. De fuldstændige vilkår fremgår af det senest godkendte røde SOS-kort.

Optional

Replacement Vehicle

DKK 500

Available as part of the optional 'Udvidet bildækning' extension: reimbursement of up to DKK 500 per day for hiring a replacement car if the repairing workshop cannot provide one, following a covered casco claim; limited to 14 days from the date the car is handed in for repair (28 days if the car is stolen or a total loss); fuel costs are not covered.

Source no longer reachablePage 18

Section: Dækningsskemaer > 18. Udvidet bildækning > 2. Leje af erstatningsbil i Danmark

Refusion af forsikringstagerens udlæg for leje af erstatningsbil med op til 500 kr. pr. døgn, hvis den skete skade på den forsikrede bil er erstatningsberettiget hos Købstædernes Forsikring og bilreparatøren ikke kan stille en erstatningsbil til rådighed.

Optional

Driver/Passenger Accident Cover (Førerpladsdækning)

Optional

Optional add-on covering personal injury to the driver from a traffic accident or when entering/exiting the car, when compensation cannot be obtained from a liable third party; compensation for personal injury is assessed according to the rules and rates in the Danish Liability for Damages Act (Lov om erstatningsansvar) rather than a fixed sum insured.

Source no longer reachablePage 1

Section: Hvad dækker den? > Tilvalgsdækninger > Førerpladsdækning

Føreren af bilen er omfattet af denne forsikring, hvis føreren kommer til skade ved et færdselsuheld eller ved ind- og udstigning af bilen, når det ikke er muligt at få erstatning fra en ansvarlig skadevolder. Erstatningen for personskade bliver opgjort efter de gældende regler og satser i lov om erstatningsansvar.

Key conditions

Driver age and experience limit

Drivers under 26 years old face an additional deductible of DKK 4,611 (2019 index) on top of the standard deductible if found liable for a compensable traffic accident; this extra deductible does not apply if the driver is the registered owner/user, a spouse/cohabiting partner, or if the car is a business vehicle used for business purposes at the time, and it never applies to theft claims. The optional 'Ung fører bonus' add-on removes this age-related deductible when a family member under 26 borrows the car, while letting the young driver build up no-claims history.

Repair network requirements

Købstædernes Forsikring is entitled to designate the repair shop. If the car is repaired at a workshop the insurer has appointed, or was already with a dealer/repairer when damaged, repairs are settled at net (trade) prices; otherwise, compensation matches the amount the repairer would normally charge for such repair.

Anti-theft requirements

Detached summer/winter tyres (with rims) are only covered against theft if stored in a locked room or building, or handed in for storage with a car dealer/repairer. Theft, robbery and vandalism must also be reported to the police, and a receipt for the police report should be kept for the claim.

Claim notification deadline

Claims must be reported as soon as possible, and the policyholder must take steps to limit the extent of the damage. Theft, robbery, assault and vandalism must also be reported to the police, with a receipt for the police report kept for the claim.

Deductible rules

A single deductible applies per claim; if a claim involves both the compulsory liability cover and casco, only the higher of the two deductibles is charged. No deductible is charged for vandalism by a 'known' perpetrator, damage occurring while the car was with a repairer/dealer, damage after the car has been handed over to a new owner, or where liability lapses under the Liability for Damages Act. An additional deductible of DKK 20,000 (2019 index) applies if the driver had a blood alcohol level above 0.50 per mille, was under the influence of drugs, or was driving without a valid licence. Under the optional 'Udvidet bildækning' extension, deductibles are waived for most fire, theft, robbery, falling-object and glass/light-breakage claims, except a reduced deductible of DKK 1,740 (2021) for windscreen replacement.

Direct payment

Købstædernes Forsikring settles repair invoices directly with the workshop and pays the VAT upfront; VAT-registered business owners ultimately bear the VAT to the extent they can reclaim it as input VAT, and the insurer invoices the policyholder for any deductible amount due.

Territorial scope

Covers Europe and non-European countries party to the Green Card scheme; unregistered mopeds, work machines/tractors and stationary caravans are covered only in Denmark; driving on airside airport areas is excluded unless specially agreed.

Documents

IPID - Car Insurance (Bilforsikring) (opens in a new tab)

Product information sheet · PDF

Motor Vehicle Insurance Terms and Conditions MO-01 (General Terms) (opens in a new tab)

Terms & conditions · PDF

Terms and Conditions for Car, Van and Truck Insurance No. 6500.2 (superseded earlier edition) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Comprehensive (Casco) Damage Coverage

Covers damage to own vehicle from collisions, theft, vandalism, natural hazards, and similar events

SourceSource no longer reachableClause 3.1.1Page 14

Section: Vilkår personbil, vare- og lastvogne > 3 Kaskoforsikring personbil – tilvalgsdækning – se policen > Hvad dækkes

Forsikringen dækker enhver skade på den forsikrede personbil, herunder på fastmonteret tilbehør og ikke-monteret tilbehør og værktøj, når dette alene anvendes i forbindelse med den forsikrede bil samt tab af bilen ved tyveri og røveri.

Theft Coverage

Covers vehicle theft and theft attempts

SourceSource no longer reachable

Section: Kaskodækninger > Kasko

Tyveri af ikke-monteret tilbehør og værktøj

Transportation Cost Coverage

Covers reasonable transportation expenses if vehicle requires repair due to covered damage

SourceSource no longer reachableClause 4.1.1Page 16

Section: Vilkår personbil, vare- og lastvogne > 4 Dækning af transportudgifter

Nødvendige omkostninger ved bilens transport til nærmeste reparatør, såfremt transporten er nødvendig på grund af bilens beskadigelse og der foreligger en ellers erstatningsberettiget skade.

Rescue Insurance Abroad

Covers costs for rescue and recovery services if vehicle breaks down or is involved in accident abroad; includes towing, transport home, hotel expenses, spare parts arrangement

SourceSource no longer reachableClause 5.1.1Page 16

Section: Vilkår personbil, vare- og lastvogne > 5 Redningsforsikring i udlandet

Forsikringen dækker i overensstemmelse med de til enhver tid gældende forsikringsvilkår for redningsforsikring i udlandet. De fuldstændige vilkår fremgår af det senest godkendte røde SOS-kort.

Legal Assistance Insurance

Covers legal expenses for civil disputes where insured is party as vehicle owner, driver or user

SourceSource no longer reachableClause 6.1.1Page 17

Section: Vilkår personbil, vare- og lastvogne > 6 Retshjælpsforsikring

Omkostninger i forbindelse med visse civile retstvister, hvor sikrede er part i sin egenskab af ejer, fører eller bruger af den forsikrede bil.

Repair Network & Authorization

KF Forsikring reserves right to designate approved repair shop for claim repairs; repairs must restore vehicle to condition before damage with repairs at net prices if vehicle was at authorized workshop at time of damage

SourceSource no longer reachablePage 15

Section: Dækningsskemaer > 17. Dækningsskema for personbilforsikring > 2. Erstatningsregler

Ved reparation sættes bilen i samme stand som før skaden. Købstædernes Forsikring er berettiget til at anvise reparatør. Er skaden opstået, mens bilen var overladt eller solgt til reparatør eller forhandler, skal reparationer, som kan udføres på den pågældendes værksted, udføres til nettopriser.

Geographic Coverage Area

Coverage applies in Europe and countries outside Europe that are part of Green Card system; special coverage sums apply for countries outside Denmark

SourceSource no longer reachableClause 6.1Page 4

Section: Motorkøretøjsforsikring - generelle vilkår > 6 Hvor dækker forsikringen

Forsikringen dækker i Europa samt i lande uden for Europa, der er tilsluttet “grønt kortordningen” (jf. de områder inden for hvilke, de lovpligtige ansvarsforsikringer for køretøjer gælder).

Deductible (Self-Risk) Structure

Comprehensive coverage includes standard deductible; glass repairs typically have no deductible while glass replacement subject to standard deductible; optional coverages may have reduced deductibles; deductible amounts specified in policy

SourceSource no longer reachable

Hvis din rude fx kan repareres, er der ingen selvrisiko. Hvis ruden derimod skal udskiftes, gælder den selvrisiko, som din bilforsikring er tegnet med.

Claims Notification Requirements

Policyholder must report claims as soon as possible and take steps to limit damage scope; right to three-year claims notification period from damage date but prompt notification essential for timely processing

SourceSource no longer reachablePage 2

Section: Hvilke forpligtelser har jeg?

Du skal anmelde skader hurtigst muligt til os og sørge for at begrænse skadens omfang.

Duty to Provide Accurate Information

Policyholder must provide accurate information about self and vehicle at policy inception; must report changes in owner/user, address, vehicle use, vehicle modifications, and extra equipment purchases to insurer

SourceSource no longer reachablePage 2

Section: Hvilke forpligtelser har jeg?

Du skal afgive korrekte oplysninger om dig selv og bilen, når forsikringen oprettes.

Premium Payment Terms

Policyholder must pay premium by due date on payment invoice; payment can be arranged monthly, quarterly, semi-annually or annually; automatic payment available through bank transfer arrangement (Betalingsservice)

SourceSource no longer reachablePage 2

Section: Hvornår og hvordan betaler jeg?

Du skal betale forsikringen senest på den dato, som fremgår af indbetalingskortet. Hvis du tilmelder betalingen til Betalingsservice, sker betalingen automatisk. Du kan betale forsikringen månedligt, kvartalsvist, halvårligt eller årligt.

Sources

KF Forsikring Casco (own-damage car insurance)

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