Thisted Forsikring A/S
Thisted Forsikring
Thisted Forsikring is a motor casco insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
The insurer settles casco claims either by arranging and paying for a repair directly, by cash payment, or by replacement in kind, and is entitled to designate the repairer and parts supplier.
Geographic scope
Denmark
Casco cover, including the Red Card rescue scheme, applies in Denmark and the countries covered by SOS International's Red Card; the mandatory liability part of the policy applies in Denmark and Green Card countries.
Unique selling points
- No deductible on domestic roadside assistance (Vejhjælp) — Thisted Forsikring covers the full cost via SOS Dansk Autohjælp.
- Casco customers get free European rescue assistance through the Red Card scheme with no deductible.
- Customers automatically reach discounted 'elitebilist' pricing at age 25, with the only requirement being an active car insurance with Thisted Forsikring.
- The optional parking-damage cover pays with zero deductible for damage caused by an unknown party while legally parked.
- Thisted Forsikring is a 100% customer-owned mutual insurer, so profits are not paid out to external shareholders.
Coverage limits
Own damage cover (Casco)
Covered
Only in Kaskoforsikring
Covers accidental damage to the insured car and its fixed equipment, e.g. from traffic accidents, and non-fixed equipment such as bike racks, roof boxes, tyres, tools and extra mirrors when stored in a securely locked space. Non-factory-fitted equipment (styling, special paint, rims) is capped at 28,000 kr and electronic AV/navigation/communication equipment at 35,000 kr (2022 index).
New-value compensation (total loss)
Conditional
Only in Kaskoforsikring
If the car is a private passenger car that was factory-new when the policy was taken out, is no more than 1 year old at the time of damage, and repair costs exceed 50% of the price of a new car, the policyholder is entitled to a replacement new car of the same make and model, subject to the equipment compensation limits.
Partial damage / repair settlement
Covered
Only in Kaskoforsikring
Damage is settled by repair, cash payment or replacement in kind. The insurer may direct the repairer and parts supplier; a cash settlement applies if repair costs would trigger statutory total-loss rules or if a stolen car is not found within 30 days of reporting.
Theft and robbery
Covered
Only in Kaskoforsikring
Covers theft of the car and theft of number plates (compensation capped at the price of a standard set of plates when reported to police), subject to caps of 35,000 kr for electronic equipment and 28,000 kr for non-factory equipment.
Glass damage cover
Optional
Only in Glasskadedækning
Optional cover for damage to windows, mirror glass and headlight glass; no deductible applies for repair of glass, while the policy deductible applies for replacement.
Natural perils (storm flood)
Covered
Only in Kaskoforsikring
General exclusions apply for damage from earthquake, storm flood and other natural catastrophes under the common terms, except that storm-flood damage to motor vehicles is explicitly covered.
Vandalism
Covered
Only in Kaskoforsikring, Friskadedækning
Damage caused by vandalism to the vehicle is covered under the base casco cover; the optional 'Friskadedækning' add-on removes the deductible for vandalism, including serial vandalism affecting three or more cars in the same incident reported to and confirmed by police.
Roadside assistance (Red Card / Vejhjælp)
Covered
Only in Kaskoforsikring, Vejhjælp
Casco cover includes the 'Red Card' European rescue assistance with no deductible, for private passenger cars up to 3.5 tonnes gross weight. Separately, domestic 'Vejhjælp' (via Dansk Autohjælp) is an optional add-on that must be selected on the policy.
Replacement vehicle
No limit stated
No replacement/rental vehicle cover was found in the official terms, IPID or common terms for this product.
Driver accident cover
Optional
Only in Førerpladsdækning
Optional cover for personal injury to the driver of the insured car in single-vehicle accidents where no other motor vehicle is involved, including injuries during entry/exit of the vehicle. Compensation follows the rates of the Danish Liability for Damages Act (loss of earnings, treatment costs, pain and suffering, permanent injury, loss of earning capacity, loss of provider).
Key conditions
Driver age and experience limit
Drivers under 23 years who are not the registered user or the policyholder's spouse/partner at the same address trigger double deductible on damage claims. The optional 'Ung bilist' add-on lets the policyholder's children (17+, licensed, no own car, max 2 cars in household, not an ATV) earn a no-claims discount for later use. 'Elitebilist' discount status is reached automatically at 25 years of age provided the car is insured with Thisted Forsikring.
Repair network requirements
The insurer is entitled to direct the choice of repairer and parts supplier; if damage occurs while the car is with a repairer who cannot prove they were not at fault, repairs that could be carried out at that workshop are settled at net prices.
Territorial scope
The mandatory liability cover applies in Denmark and countries participating in the Green Card scheme. Casco cover, including the Red Card rescue scheme, applies in Denmark and the countries covered by SOS International's Red Card, with the Green Card valid for a maximum of 12 months.
Anti-theft requirements
Non-fixed equipment belonging to the car (bike racks, roof boxes, tyres, removed rims, tools, extra mirrors, temporarily removed equipment) is only covered for theft if it was stored in a securely locked space.
Claim notification deadline
Damage must be reported to the insurer as soon as possible. Crimes such as theft or vandalism must be reported to the police immediately, with proof of the report available on request; the police have 30 days to investigate before compensation is paid, and a stolen car not found within 30 days of the report is settled as a cash total loss.
Deductible rules
The policy deductible applies to both liability and casco claims but is only charged once if both are triggered by the same event. It is doubled if an unregistered driver under 23 (other than a spouse/partner at the same address) caused the damage, and increased by an extra 150% for damage caused under self-inflicted intoxication. No deductible applies to number-plate theft under casco, to glass repair (as opposed to replacement), or to parking damage under the optional cover; a flat 1,100 kr deductible applies to trailer-only damage (2022 index).
Where to buy
Policy specifics
Liability insurance (mandatory)
Mandatory third-party liability insurance covering damages to other persons or their property
SourceComprehensive insurance (casco)
Optional comprehensive insurance covering damage to the insured vehicle from traffic accidents, fire, vandalism, theft, and theft-related losses
SourceOptional add-on coverages
Additional optional coverages that can be added to the basic insurance such as roadside assistance and parking damage coverage
SourceParking damage coverage
Optional coverage that eliminates deductible for parking damage caused by unknown third parties while lawfully parked
SourceElite driver program (lower premiums)
Thistedforsikring offers reduced premiums for drivers who meet elite driver criteria: minimum age 25 years with active car insurance
SourceDouble deductible for drivers under 23 years
When the insured vehicle is driven by a person under 23 years of age who is not a registered user, double deductible applies
SourceKilometer-based pricing
Insurance premiums are calculated based on reported annual kilometers driven; this information is noted on the policy
SourceRoadside assistance
Optional add-on coverage providing roadside assistance services such as towing, on-site repairs, and transportation
Source