Popermo Forsikring G/S
Popermo
Popermo is a motor casco insurance for the Denmark market with online purchase and limited assistance availability.
Direct payment
Premiums can be paid 1, 2, 4 or 12 times a year; monthly payment requires enrollment in Betalingsservice (Danish direct debit).
Geographic scope
Denmark
Casco coverage applies in Denmark and in the coverage areas shown on the Red Card (Rødt Kort) scheme abroad; the mandatory liability part applies in Denmark and in Green Card countries.
Unique selling points
- Fixed premium policy: Popermo does not raise your price after you report a claim, unlike most competitors.
- Popermo pays the deductible directly at partner repair workshops and provides a courtesy car while your car is being repaired.
- Dedicated EV/hybrid casco benefits: no deductible on charging-cable damage or sudden battery faults in the first 8 years after registration.
- Members bundling several policies with Popermo can get up to 15% off through the Fordelsrabat multi-policy discount.
- Popermo maintains a strong customer satisfaction score in the EPSI Rating Denmark survey (November 2025).
Coverage limits
Own damage coverage
Covered
Casco covers damage to the insured vehicle itself, including collision damage; a specific EV/hybrid benefit covers sudden battery damage in the first 8 years after the vehicle's first registration, up to DKK 30,000 per event, with no deductible.
Total loss coverage
Covered
If repair is not viable, Popermo settles with a cash compensation (kontanterstatning) based on the vehicle's assessed value; ownership of the vehicle transfers to Popermo once compensation is paid, and a stolen vehicle not recovered within four weeks of being reported is treated as a total loss.
Partial damage / repair coverage
Covered
Repair costs for partial damage to the vehicle are covered; if repaired at one of Popermo's partner workshops (fordelsværksted), Popermo pays the policyholder's deductible directly, otherwise it is reimbursed on presentation of documentation.
Theft and robbery
Covered
Casco covers theft and robbery of the vehicle; a stolen car is treated as a total loss if it is not recovered within four weeks of being reported to the police and to Popermo.
Glass damage
Covered
Windscreen stone-chip repair is a standard casco benefit; an optional Extended Glass Insurance (Udvidet Glasforsikring) waives the fixed deductible for windscreen replacement performed by partner glass specialists (e.g. Dansk Bilglas, Carglass).
Natural perils / fire, explosion and lightning
Covered
Fire, explosion and lightning damage are covered as standard insured perils under casco; an optional deductible-free rider (Friskadedækning) removes the excess for these events when it appears on the policy.
Vandalism
Covered
Damage from vandalism (hærværk) is covered under casco; the optional Friskadedækning rider waives the deductible for vandalism claims.
Roadside assistance / foreign rescue (Red Card)
Covered
Holding casco automatically provides foreign roadside rescue via the Red Card scheme (SOS International); domestic roadside assistance (Popermo Vejhjælp) covering breakdowns in Denmark, the E65 transit route between Malmö and Ystad, and up to 25 km south of the German border, is a separate paid add-on.
Courtesy / replacement vehicle
Conditional
A courtesy car (lånebil) is provided as a casco benefit while the insured vehicle is repaired at one of Popermo's partner workshops (fordelsværksted); no fixed monetary limit for this benefit is stated in the available sources.
Driver accident cover (Førerpladsdækning)
Optional
No limit stated
Førerpladsdækning is an optional add-on covering the driver in single-vehicle accidents and when entering or exiting the car; no coverage amount is specified in the available sources.
Key conditions
Driver age and experience limit
Drivers under 25 years old trigger double the deductible on a claim unless the driver is the policyholder, their spouse/registered partner/cohabiting partner, a registered user of the car, or a Popermo member.
Repair network requirements
Coverage for vehicle repair at Popermo's selected partner workshops, where Popermo may pay the policyholder's deductible directly.
Territorial scope
Casco cover applies in Denmark and in the coverage areas shown on the Red Card (Rødt Kort); the mandatory liability part applies in Denmark and in Green Card countries.
Anti-theft requirements
Vehicles with a trade value above DKK 750,000 must have GPS/satellite tracking installed to be eligible for casco insurance.
Claim notification deadline
Claims must be reported as soon as possible; theft, robbery and vandalism must also be reported to the police as soon as possible.
Deductible rules
Policyholders can choose between three deductible levels; the deductible is doubled for drivers under 25 (with named exemptions); only one deductible is charged if a single event triggers payouts from both the liability and casco cover; and no deductible applies to the EV/hybrid casco benefits (charging cables and sudden battery damage in the first 8 years).
Where to buy
Policy specifics
Casco coverage
Optional comprehensive motor vehicle damage coverage (kasko) that can be added to the mandatory liability insurance
SourceSource no longer reachableAdvantage workshop coverage
Coverage for vehicle repair at Popermo's selected partner workshops where Popermo may cover the deductible
SourceSource no longer reachableGlass damage coverage
Optional coverage for windscreen and glass damage; policyholders can repair at partner glass specialists without cost
SourceSource no longer reachableRoadside assistance
Optional roadside assistance coverage in Denmark for breakdowns or accidents
SourceSource no longer reachableExtended car insurance coverage
Optional extended coverage including parking damage coverage when the vehicle is legally parked and at-fault party is unknown
SourceSource no longer reachableDiscount damage coverage
Optional no-deductible coverage for minor damages such as scratches, dents, and stone chips
SourceSource no longer reachableMembership requirement
Popermo insurance is restricted to specific professional groups and member categories
SourceSource no longer reachableVehicle personal use condition
Insurance covers vehicles for personal use only; business and professional use may be excluded or require special clauses
SourceSource no longer reachableDouble deductible for drivers under 25
Claims caused by drivers aged under 25 incur double deductible unless specific exemptions apply
SourceSource no longer reachableFixed premium after claim
Popermo's Car Insurance does not increase premium following a claim for which compensation is paid
SourceSource no longer reachablePremium tier system
Premiums are assigned to tiers based on claim history and years of driving experience
SourceSource no longer reachableSingle deductible for combined claims
If a single event triggers both liability and casco claims, only one deductible applies
SourceSource no longer reachableLegal assistance insurance
Optional legal expenses insurance for certain private disputes; coverage in Denmark and 3 months abroad
SourceSource no longer reachable